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    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-622": {
   "value": "-310000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashFlowsFromUsedInFinancingActivities",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2024-01-01T00:00:00/2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-623": {
   "value": "14093000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-624": {
   "value": "17604000000.0",
   "decimals": -6,
   "dimensions": {
    "concept": "ifrs-full:CashAndCashEquivalents",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-625": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Bilanzierungs- und Bewertungsmethoden</span><div class=\"ps991 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:19.43pt\">Die </span><span class=\"f charStyle-34546584 ps2388\" style=\"width:5.53pt\">B</span><span class=\"f charStyle-34546584 ps2389\" style=\"width:76.92pt\">AWAG Group AG</span><span class=\"f charStyle-34546584 ps2390\" style=\"width:160.16pt\"> ist die oberste Konzernmutter der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps992 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:65.85pt\">BAWAG Group</span><span class=\"f charStyle-34546584 ps2391\" style=\"width:196.2pt\">. Die BAWAG P.S.K. Bank f\u00fcr Arbeit und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps993 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wirtschaft und \u00d6sterreichische Postsparkasse</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps994 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:75.66pt\">Aktiengesellschaft</span><span class=\"f charStyle-34546584 ps2392\" style=\"width:186.4pt\"> (BAWAG P.S.K. AG), ein</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps995 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Tochterunternehmen der BAWAG Group AG, ist eine</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps996 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:70.22pt\">\u00f6sterreichische </span><span class=\"f charStyle-34546584 ps2393\" style=\"width:191.79pt\">Bank, deren operatives Gesch\u00e4ft sich auf</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps997 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:43.53pt\">\u00d6sterreich</span><span class=\"f charStyle-34546584 ps2394\" style=\"width:2.92pt\"> </span><span class=\"f charStyle-34546584 ps2395\" style=\"width:215.58pt\">konzentriert, wobei die Bank auch in ausgew\u00e4hlten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1630 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:142.03pt\">internationalen M\u00e4rkten t\u00e4tig ist.</span><span class=\"f charStyle-34546584 ps2396\" style=\"width:120pt\"> Der Sitz der BAWAG Group</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps998 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:80.7pt\">AG befindet sich in </span><span class=\"f charStyle-34546584 ps2397\" style=\"width:23pt\">1100 </span><span class=\"f charStyle-34546584 ps2398\" style=\"width:21.8pt\">Wien</span><span class=\"f charStyle-34546584 ps2399\" style=\"width:82.02pt\">, Wiedner G\u00fcrtel 11</span><span class=\"f charStyle-34546584 ps2400\" style=\"width:2.62pt\">.</span></div><div class=\"ps1000 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Konzernabschluss wurde in Anwendung des \u00a7\u00a059a BWG</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1001 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">iVm \u00a7\u00a0245a UGB und in Einklang mit der EG-Verordnung Nr.</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps1002 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">1606/2002 des Europ\u00e4ischen Parlaments und des Rates vom</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1003 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">19. Juli 2002 nach den vom International Accounting Standards</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1004 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Board (IASB) herausgegebenen International Financial</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1005 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Reporting Standards (IFRS) sowie den Interpretationen des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1006 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">IFRS Interpretations Committee (IFRIC/SIC) erstellt. Alle vom</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1007 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">IASB in den International Financial Reporting Standards f\u00fcr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1008 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">den Konzernabschluss zum 31. Dezember 2025 anwendbaren</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1009 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">und ver\u00f6ffentlichten Standards, die von der EU \u00fcbernommen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1010 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.44pt\">wurden, wurden angewendet.</span></div><div class=\"ps2401 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Grundlage des vorliegenden Konzernabschlusses der BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1012 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">nach IFRS bilden konzerneinheitlich nach IFRS aufgestellte</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1013 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Einzelabschl\u00fcsse zum 31. Dezember 2025 aller</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1014 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vollkonsolidierten Unternehmen. Assoziierte Unternehmen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1015 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden at-equity einbezogen. Der Grundsatz der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1016 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:150.16pt\">Wesentlichkeit wird dabei beachtet.</span></div><div class=\"ps1018 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Erstellung eines Konzernabschlusses gem\u00e4\u00df IFRS erfordert<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps1019 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Annahmen und Sch\u00e4tzungen \u00fcber wesentliche Einflussfaktoren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1020 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">auf den Gesch\u00e4ftsbetrieb. Diese Annahmen werden laufend</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1021 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">\u00fcberpr\u00fcft und angepasst. Anpassungen werden jeweils in der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1022 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">aktuellen Periode bzw. bei l\u00e4ngerfristigen Auswirkungen auch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1023 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:180.4pt\">in den zuk\u00fcnftigen Perioden ber\u00fccksichtigt.</span></div><div class=\"ps1025 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die bei der Erstellung des Konzernabschlusses angewandten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1026 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bilanzierungsmethoden stimmen mit jenen des Konzern-</span></div><div class=\"ps1027 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:215.1pt\">Jahresabschlusses zum 31. Dezember 2024 \u00fcberein.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die Berichtsw\u00e4hrung ist Euro. Sofern nicht anders angegeben,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">werden die Zahlen auf Millionen Euro gerundet dargestellt. Die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">nachstehend angef\u00fchrten Tabellen k\u00f6nnen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:133.99pt\">Rundungsdifferenzen enthalten.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Auf Fremdw\u00e4hrung lautende monet\u00e4re Bilanzwerte wurden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:230.37pt\">zum Devisenmittelkurs am Bilanzstichtag umgerechnet.</span></div><div class=\"ps2402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps185\">Konsolidierungskreis und -methoden</span></div><div class=\"ps1052 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Der Konsolidierungskreis umfasst alle wesentlichen \u2013 direkten</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1053 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:214.02pt\">und indirekten \u2013 Tochterunternehmen der BAWAG.</span></div><div class=\"ps1055 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Insgesamt umfasst der Konzernabschluss zum 31. Dezember</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1056 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">2025 48 (2024: 43) vollkonsolidierte Unternehmen und 3</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(2024: 2) Unternehmen, die at-equity einbezogen werden, im</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1059 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:67.73pt\">In- und Ausland.</span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kriterien f\u00fcr die Einbeziehung waren sowohl die Bilanzsumme</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">als auch der Anteil am Gesamtergebnis des Konzerns. Der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Einfluss der nicht konsolidierten Tochterunternehmen auf die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Verm\u00f6gens-, Finanz- und Ertragslage des Konzerns ist von</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">untergeordneter Bedeutung. Unter Note 49 \u201eListe</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">konsolidierter Tochterunternehmen\u201c befindet sich eine</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Aufstellung aller vollkonsolidierten bzw. at-equity bewerteten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:60.84pt\">Unternehmen.</span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Der Buchwert der assoziierten, nicht at-equity bewerteten</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Beteiligungen betrug am 31. Dezember 2025 0\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">0\u00a0Mio.\u00a0\u20ac). Beherrschte Unternehmen mit einem Buchwert in</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">H\u00f6he von 7\u00a0Mio.\u00a0\u20ac (2024: 9\u00a0Mio.\u00a0\u20ac) werden nicht konsolidiert,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">da der Einfluss auf die Verm\u00f6gens-, Finanz- und Ertragslage</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:70.15pt\">unwesentlich ist.</span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Details zum Konsolidierungskreis und zu wesentlichen<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">\u00c4nderungen im Beteiligungsportfolio werden in den Notes 49</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:78.14pt\">und 50 dargestellt.<span class=\"f ps37\"> </span></span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">F\u00fcr Unternehmenszusammenschl\u00fcsse wird nach IFRS 3 die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Erwerbsmethode herangezogen. Dabei werden die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Anschaffungskosten f\u00fcr das erworbene Unternehmen dem</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Wert des \u00fcbernommenen Reinverm\u00f6gens im Erwerbszeitpunkt</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">gegen\u00fcbergestellt. Die Bewertung des Reinverm\u00f6gens richtet</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">sich nach den beizulegenden Zeitwerten aller identifizierbaren</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verm\u00f6genswerte, Schulden und Eventualschulden zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:75.51pt\">Erwerbszeitpunkt.</span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Konzerninterne Forderungen und Verbindlichkeiten,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Aufwendungen und Ertr\u00e4ge sowie Zwischengewinne werden</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">eliminiert, soweit sie nicht von untergeordneter Bedeutung</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:19.72pt\">sind.</span></div><div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Firmenwerte in H\u00f6he von 117\u00a0Mio.\u00a0\u20ac (2024: 119\u00a0Mio.\u00a0\u20ac)</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden in der Bilanz unter der Position \u201eGesch\u00e4fts- und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Firmenwerte\u201c ausgewiesen. Entsprechend IFRS 3 iVm IAS 36</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2404 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">und IAS 38 wird f\u00fcr alle Zahlungsmittel generierenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Einheiten (CGUs, cash generating units) eine \u00dcberpr\u00fcfung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Werthaltigkeit der aktivierten Firmenwerte durch einen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">j\u00e4hrlichen Werthaltigkeitstest (Impairmenttest) nach Ma\u00dfgabe</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:102.32pt\">des IAS 36 durchgef\u00fchrt.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Der Firmenwert-Impairmenttest wird unter Anwendung des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:239.91pt\">Value in Use f\u00fcr die betreffenden Einheiten durchgef\u00fchrt.</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Aktuell besteht ein Goodwill bei easybank Franchise \u00d6sterreich</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">(59\u00a0Mio.\u00a0\u20ac; 2024: 59\u00a0Mio.\u00a0\u20ac), Zahn\u00e4rztekasse AG (24\u00a0Mio.\u00a0\u20ac;</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">2024: 24\u00a0Mio.\u00a0\u20ac), Idaho First Bank (18 Mio. \u20ac; 2024: 20 Mio. \u20ac),</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Health Coevo AG (15\u00a0Mio.\u00a0\u20ac; 2024: 15\u00a0Mio.\u00a0\u20ac) und Brokerage</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Business \u00d6sterreich (1\u00a0Mio.\u00a0\u20ac; 2024: 1\u00a0Mio.\u00a0\u20ac), wobei diese die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">kleinsten CGUs darstellen, denen ein Goodwill zugeordnet</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">werden kann. Weitere Details zu den at-equity einbezogenen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:243.79pt\">Gesellschaften werden in Note 36 und Note 52 dargestellt.</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Das Kundengesch\u00e4ft aller Einheiten mit einem Firmenwert ist</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:133.11pt\">Teil des Segments Retail &amp; SME.</span><span class=\"f charStyle-34546584 ps2406\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Weiters wurden alle at-equity konsolidierten Beteiligungen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">untersucht, ob Indikatoren f\u00fcr eine dauerhafte oder</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wesentliche Wertminderung vorliegen. Sofern aufgrund der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Indikatoren erforderlich, wurden Werthaltigkeitstests</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">durchgef\u00fchrt. Weitere Details werden im entsprechenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:124.9pt\">Kapitel der Note 1 dargestellt.</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Jene Eigenkapitalinstrumente, die nicht konsolidiert wurden,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden gem\u00e4\u00df IFRS 9 bewertet und der Kategorie \u201eIm</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">bewertete finanzielle Verm\u00f6genswerte\u201c oder \u201eErfolgswirksam</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zum beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verm\u00f6genswerte\u201c zugeordnet. Weitere Details werden in Note</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:59.73pt\">50 dargestellt.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Ermessensaus\u00fcbung und Sch\u00e4tzunsicherheiten</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Der Konzernabschluss enth\u00e4lt Werte, die zul\u00e4ssigerweise unter</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verwendung von Sch\u00e4tzungen und Annahmen ermittelt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">wurden. Die verwendeten Sch\u00e4tzungen und Annahmen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">basieren auf Erfahrungen und anderen Faktoren wie</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Planungen, Erwartungen und Prognosen zuk\u00fcnftiger Ereignisse</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">auf Basis des derzeitigen Wissensstandes. Die Sch\u00e4tzungen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">und Beurteilungen selbst sowie die zugrunde liegenden</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Beurteilungsfaktoren und Sch\u00e4tzverfahren werden regelm\u00e4\u00dfig</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u00fcberpr\u00fcft und mit den tats\u00e4chlich eingetretenen Ereignissen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">abgeglichen. In Bezug auf die aktuelle geopolitische Lage</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:210.67pt\">verweisen wir auf den Aufz\u00e4hlungspunkt zu IFRS 9.</span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Einen wesentlichen Einfluss auf die Ergebnisse haben die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Bewertung von Finanzinstrumenten und die damit</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">verbundenen Einsch\u00e4tzungen der Bewertungsparameter, vor</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">allem zur zuk\u00fcnftigen Zinsentwicklung. Die von der Bank</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">verwendeten Parameter leiten sich im Wesentlichen aus den</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:186.95pt\">aktuellen Marktkonditionen zum Stichtag ab.</span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">F\u00fcr die Ermittlung von Fair Values f\u00fcr finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verm\u00f6genswerte und Verbindlichkeiten, die nicht auf einem</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">aktiven Markt gehandelt sind (Level 2, Level 3), werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Bewertungsmodelle herangezogen. Zur Ermittlung des</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">beizulegenden Zeitwerts von Finanzinstrumenten, die selten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gehandelt werden, sind Sch\u00e4tzungen in unterschiedlichem</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ma\u00df erforderlich, abh\u00e4ngig von der Liquidit\u00e4t, der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Unsicherheit der Marktfaktoren, Preisannahmen und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">sonstigen gesch\u00e4ftsspezifischen Risiken. Details zu den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Bewertungsmodellen und Sch\u00e4tzunsicherheiten bei nicht</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">beobachtbaren Inputfaktoren befinden sich in Note 1</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Bilanzierungs- und Bewertungsmethoden und in Note 34 Fair</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:26.09pt\">Value.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Die Beurteilung der Einbringlichkeit von langfristigen Krediten</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">beruht auf Einsch\u00e4tzungen \u00fcber die zuk\u00fcnftigen Cashflows des</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kreditnehmers, m\u00f6gliche Wertminderungen von Krediten und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">die Bildung von R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verpflichtungen im Kreditgesch\u00e4ft. Im Hinblick auf die aktuelle</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">geopolitische Lage (Konflikte in der Ukraine, im Nahen Osten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">und in S\u00fcdostasien, sowie auch generell hinsichtlich der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">k\u00fcnftigen Dynamik der internationalen Klimapolitik) sind</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Einsch\u00e4tzungen hinsichtlich der Bewertung einzelner</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">finanzieller Verm\u00f6genswerte, der Festlegung der Transferlogik</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">von Finanzinstrumenten von Stage 1 zu Stage 2,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">makro\u00f6konomischer Annahmen zur Festlegung der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zukunftsgerichteten Informationen im Zuge der Kalkulation</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der erwarteten Kreditverluste sowie der Annahmen \u00fcber die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">erwarteten Cashflows f\u00fcr ausfallgef\u00e4hrdete Kredite basierend</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">auf den aktuellsten uns vorliegenden Beobachtungen. Die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">langfristigen Auswirkungen der aktuellen geopolitischen Lage</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">auf die wirtschaftliche Entwicklung, die Entwicklung des</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Arbeitsmarktes und anderer branchenspezifischer M\u00e4rkte</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">k\u00f6nnen sich im Nachhinein als \u00fcber- oder untersch\u00e4tzt</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:40.4pt\">erweisen.</span><span class=\"f charStyle-34546584 ps2408\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Die Bank kann mit Auswirkungen konfrontiert werden, die sich</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">aus ver\u00e4nderten Klimabedingungen ergeben und sich auf das</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Kreditportfolio oder etwaige Sicherheiten auswirken k\u00f6nnen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(z.B. durch \u00dcberschwemmungen). Weitere ESG-Risiken</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">betreffen unter anderem \u00c4nderungen im Kundenverhalten,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">\u00c4nderungen in der einschl\u00e4gigen Gesetzgebung usw. ESG-</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Risiken k\u00f6nnen Auswirkungen auf Planungsannahmen f\u00fcr</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Werthaltigkeitstests und die Bewertung von Sicherheiten und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Finanzinstrumenten haben. Die Analyse und \u00dcberwachung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">dieser Risiken ist ein laufender Prozess. F\u00fcr weitere</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Informationen zu ESG-Risiken verweisen wir auf den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:56.44pt\">Risikobericht.</span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Beurteilung der Werthaltigkeit von Zahlungsmittel</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">generierenden Einheiten (CGUs) basiert auf</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Planungsrechnungen. Diese spiegeln naturgem\u00e4\u00df eine</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Einsch\u00e4tzung des Managements wider, die einer gewissen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Sch\u00e4tzunsicherheit unterworfen ist. Details zum</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wertminderungstest sowie zur Analyse der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Sch\u00e4tzungsunsicherheit bei der Bestimmung des Firmenwertes</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">befinden sich in Note 1 Bilanzierungs- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bewertungsmethoden und in Note 19 Gesch\u00e4fts- und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:189.79pt\">andere immaterielle Verm\u00f6gensgegenst\u00e4nde.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Der Konzern verwendet f\u00fcr die Bestimmung der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">auszuweisenden Betr\u00e4ge latenter Steuerforderungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">historische Erkenntnisse zu Verwertungsm\u00f6glichkeiten von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">steuerlichen Verlustvortr\u00e4gen und prognostizierte</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gesch\u00e4ftsergebnisse auf Basis der vom Management der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Tochtergesellschaften erstellten Mehrjahresplanung und des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">genehmigten Budgets f\u00fcr die Folgeperiode einschlie\u00dflich</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Steuerplanung. Regelm\u00e4\u00dfig werden die Einsch\u00e4tzungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">hinsichtlich der latenten Steuerforderungen einschlie\u00dflich der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Annahmen des Konzerns \u00fcber die zuk\u00fcnftige Ertragskraft einer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Neubewertung unterzogen. Details zu den latenten Steuern</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">befinden sich in Note 1 Bilanzierungs- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bewertungsmethoden und in Note 20 Saldierter aktiver/</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:160.62pt\">passiver Bilanzansatz latenter Steuern.</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die Bewertung der Pensionsverpflichtungen beruht auf dem</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Anwartschaftsbarwertverfahren. Bei der Bewertung dieser</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verpflichtungen sind insbesondere Annahmen \u00fcber den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">langfristigen Gehalts- und Pensionsentwicklungstrend sowie</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">die zuk\u00fcnftigen Sterberaten zu treffen. Ver\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sch\u00e4tzannahmen von Jahr zu Jahr sowie Abweichungen zu den</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">tats\u00e4chlichen Jahreseffekten sind in den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">versicherungsmathematischen Gewinnen und Verlusten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">abgebildet (siehe Note 1 Bilanzierungs- und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:98.27pt\">Bewertungsmethoden).</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Des Weiteren unterliegen folgende Sachverhalte der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:151.95pt\">Beurteilung durch das Management:</span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Werthaltigkeit von immateriellen Verm\u00f6genswerten (Note</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:16.04pt\">19),</span></div><div class=\"ps1521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">die Bildung von R\u00fcckstellungen f\u00fcr ungewisse</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:69.32pt\">Verpflichtungen,</span><span class=\"f charStyle-34546584 ps2409\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">die Beurteilung von rechtlichen Risiken und Ausgang von</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Gerichtsverhandlungen, h\u00f6chstgerichtlichen</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Entscheidungen und aufsichtsbeh\u00f6rdlichen \u00dcberpr\u00fcfungen</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:207.67pt\">sowie die Bildung diesbez\u00fcglicher R\u00fcckstellungen,</span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">die Beurteilung der Laufzeit bei der Anwendung des</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:112.26pt\">IFRS-16-Leasing-Standards,</span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">die Beurteilung, bei welchen Unternehmen es sich um</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">strukturierte Unternehmen handelt und welches</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Engagement bei solchen Unternehmen auch tats\u00e4chlich</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:131.38pt\">einen Anteil darstellt (Note 53).</span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">IFRS 9: Die Beurteilung des SPPI-Kriteriums kann</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Ermessensentscheidungen erfordern, um sicherzustellen,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">dass finanzielle Verm\u00f6genswerte in die entsprechende</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:178.53pt\">Bewertungskategorie eingeordnet werden.</span><span class=\"f charStyle-34546584 ps2410\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">die Ermittlung der Fair Values von nicht b\u00f6rsenotierten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Finanzinstrumenten, bei denen einige f\u00fcr das</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Bewertungsmodell ben\u00f6tigte Paramater nicht am Markt</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:112.62pt\">beobachtbar sind (Level 3).</span><span class=\"f charStyle-34546584 ps2411\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">IFRS 9 Finanzinstrumente</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Bilanzierung der Finanzinstrumente erfolgt zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:49.14pt\">Handelstag.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:262.04pt\">Klassifizierung von finanziellen Verm\u00f6genswerten und</span><span class=\"f charStyle-81af04f8 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:126.84pt\">finanziellen Verbindlichkeiten</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:231.76pt\">Finanzielle Verm\u00f6genswerte \u2013 Fremdkapitalinstrumente</span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gem\u00e4\u00df IFRS 9 werden finanzielle Verm\u00f6genswerte nach drei</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kategorien klassifiziert: Bewertung zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Anschaffungskosten (Amortised Cost, AC), Bewertung zum</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">beizulegenden Zeitwert \u00fcber das sonstige Ergebnis (Fair Value</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">through Other Comprehensive Income, FVOCI) oder</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bewertung zum beizulegenden Zeitwert \u00fcber die Gewinn- und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:243.85pt\">Verlustrechnung (Fair Value through Profit or Loss, FVTPL).</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">In welche Kategorie ein Finanzinstrument eingeordnet wird, ist</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">einerseits abh\u00e4ngig vom Gesch\u00e4ftsmodell des Unternehmens</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">und andererseits von den vertraglich vereinbarten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:213.73pt\">Zahlungsfl\u00fcssen des finanziellen Verm\u00f6genswertes.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Ein finanzieller Verm\u00f6genswert wird nur dann zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Anschaffungskosten bewertet, wenn das Gesch\u00e4ftsmodell des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Unternehmens darauf abzielt, die finanziellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerte zu halten, und die vertraglich vereinbarten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zahlungsfl\u00fcsse ausschlie\u00dflich Zins- und Tilgungszahlungen auf</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">den ausstehenden Teil des Nominales darstellen (simple loan</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">feature). Ein finanzieller Verm\u00f6genswert wird dann zum</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">beizulegenden Zeitwert \u00fcber das Sonstige Ergebnis bewertet,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">wenn das Gesch\u00e4ftsmodell des Unternehmens darauf abzielt,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">die finanziellen Verm\u00f6genswerte sowohl zu halten als auch zu</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">verkaufen, und die vertraglich vereinbarten Zahlungsfl\u00fcsse</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">ausschlie\u00dflich Zins- und Tilgungszahlungen auf den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">ausstehenden Teil des Nominales darstellen. Alle finanziellen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verm\u00f6genswerte, die diese Kriterien nicht erf\u00fcllen, werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:226.67pt\">erfolgswirksam zum beizulegenden Zeitwert bewertet.</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Agios und Disagios werden mittels Effektivzinsmethode \u00fcber</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die Laufzeit verteilt, der Aufwand bzw. Ertrag wird mit den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zinsertr\u00e4gen aus den entsprechenden Finanzinstrumenten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:48.06pt\">verrechnet.</span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bearbeitungsgeb\u00fchren werden unter Ber\u00fccksichtigung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">damit direkt zusammenh\u00e4ngenden Kosten auf die Laufzeit der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:132.5pt\">Kredite im Zinsergebnis verteilt.</span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Hinsichtlich der Erfassung von Vorsorgen wird auf den</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:101.19pt\">Risikobericht verwiesen.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:262.06pt\">Beurteilung des Gesch\u00e4ftsmodells f\u00fcr finanzielle</span><span class=\"f charStyle-de9217a1 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:70.68pt\">Verm\u00f6genswerte</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:254.13pt\">Die BAWAG hat die folgenden Gesch\u00e4ftsmodelle identifiziert:</span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:177.68pt\">Gesch\u00e4ftsmodell \u201eHalten\u201c (Hold to Collect)</span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.78pt\">Finanzielle Verm\u00f6genswerte in dieser Kategorie werden in</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">der Regel bis zur Endf\u00e4lligkeit gehalten, um vertragliche</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Zahlungsstr\u00f6me aus Tilgungen und Zinsen \u00fcber die Laufzeit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">zu vereinnahmen. Nicht alle Finanzinstrumente in diesem</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Gesch\u00e4ftsmodell m\u00fcssen bis zur Endf\u00e4lligkeit gehalten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">werden. Unter bestimmten Umst\u00e4nden stehen Verk\u00e4ufe in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Einklang mit dem Gesch\u00e4ftsmodell, unabh\u00e4ngig von ihrem</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Volumen und der H\u00e4ufigkeit. Zum Beispiel wenn ein</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Finanzinstrument kurz vor F\u00e4lligkeit verkauft wird und die</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Einnahmen im Wesentlichen den ausstehenden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Zahlungsstr\u00f6men entsprechen, wenn das Finanzinstrument</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">aufgrund einer Bonit\u00e4tsverschlechterung verkauft wird,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Verk\u00e4ufe aufgrund von \u00c4nderungen im Steuer- oder</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Aufsichtsrecht, aufgrund von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Unternehmenszusammenschl\u00fcssen oder Reorganisationen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">oder im Stressszenario. Au\u00dferdem werden Verk\u00e4ufe, deren</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Buchwerte und Ertr\u00e4ge 5% des durchschnittlichen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Buchwertes des Portfolios in einem Jahr nicht \u00fcbersteigen,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:118.92pt\">als unwesentlich angesehen.</span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Gesch\u00e4ftsmodell \u201eHalten und Verkaufen\u201c (Hold to Collect</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:35.62pt\">and Sell)</span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.77pt\">Finanzielle Verm\u00f6genswerte in diesem Gesch\u00e4ftsmodell</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">werden sowohl gehalten, um Zahlungsstr\u00f6me zu</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.82pt\">vereinnahmen, als auch, um sie zu verkaufen. In diesem</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Gesch\u00e4ftsmodell werden vorwiegend liquide Bonds</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">gehalten, welche verkauft, f\u00fcr besicherte Refinanzierungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">mit der Notenbank hinterlegt oder in ein Repo gegeben</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:67.77pt\">werden k\u00f6nnen.</span><span class=\"f charStyle-34546584 ps2412\" style=\"width:2.36pt\"> </span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:111.84pt\">Sonstige Gesch\u00e4ftsmodelle</span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.77pt\">Finanzielle Verm\u00f6genswerte in diesem Gesch\u00e4ftsmodell</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:144.88pt\">werden zur Ver\u00e4u\u00dferung gehalten.</span><span class=\"f charStyle-34546584 ps2413\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:29.38pt\">Handel</span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.76pt\">Zu dieser Kategorie z\u00e4hlen finanzielle Verm\u00f6genswerte und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Verbindlichkeiten, die zu Handelszwecken gehalten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">werden. Diese Finanzinstrumente werden mit ihren</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Marktwerten (Fair Values) angesetzt. S\u00e4mtliche Derivate</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">des Bankbuches, die nicht Teil einer Sicherungsbeziehung</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">sind, werden dieser Kategorie zugeordnet. Die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Handelspassiva umfassen Verbindlichkeiten aus</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:224.57pt\">Derivatgesch\u00e4ften, Leerverk\u00e4ufe und Repo-Gesch\u00e4fte.</span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bestimmte finanzielle Verm\u00f6genswerte, die nicht die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Definition von Handelsaktiva erf\u00fcllen, werden nach der Fair-</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Value-Option als zum Fair Value bewertet klassifiziert. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">BAWAG hat die Fair-Value-Option zur Vermeidung eines</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Accounting Mismatch angewendet. Dieser liegt beispielsweise</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vor, wenn das Wert\u00e4nderungsrisiko von Wertpapieren und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:184.12pt\">Darlehen durch Derivate abgesichert wurde.</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:262.02pt\">Beurteilung, ob vertragliche Cashflows ausschlie\u00dflich Tilgungs-</span><span class=\"f charStyle-de9217a1 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:262.01pt\">und Zinszahlungen auf den ausstehenden Teil des Nominales</span><span class=\"f charStyle-de9217a1 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:241.01pt\">darstellen (Solely Payments of Principal and Interest, SPPI)</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Um festzustellen, ob ein Finanzinstrument die SPPI-Kriterien</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:234.55pt\">erf\u00fcllt, analysiert die BAWAG ihr Portfolio in drei Stufen:</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">1. Identifizierung aller Finanzinstrumente, die klar die SPPI-</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:73.64pt\">Kriterien erf\u00fcllen;</span><span class=\"f charStyle-34546584 ps2414\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1623\" style=\"width:125.83pt\">2. qualitativer Benchmarktest;</span><span class=\"f charStyle-34546584 ps2415\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1623\" style=\"width:132.08pt\">3. quantitativer Benchmarktest.</span><span class=\"f charStyle-34546584 ps2416\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ein qualitativer oder quantitativer Benchmarktest muss dann</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">durchgef\u00fchrt werden, wenn m\u00f6gliche sch\u00e4dliche Konditionen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vorliegen. Ein qualitativer Benchmarktest ist ausreichend,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">wenn die m\u00f6glicherweise sch\u00e4dliche Kondition bei Vergleich</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">der Zahlungsstr\u00f6me klarerweise unwesentlich ist, z.B.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bestimmte Zinsanpassungsklauseln. In diesem Fall ist kein</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">quantitativer Benchmarktest erforderlich und das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument erf\u00fcllt die SPPI-Kriterien. In allen anderen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">F\u00e4llen ist ein quantitativer Test erforderlich, der die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zahlungsstr\u00f6me des Finanzinstruments mit den</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zahlungsstr\u00f6men eines theoretischen Finanzinstruments mit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">den gleichen Eigenschaften au\u00dfer der sch\u00e4dlichen Kondition</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vergleicht. Wenn die Zahlungsstr\u00f6me wesentlich voneinander</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">abweichen, erf\u00fcllt das Finanzinstrument die SPPI-Kriterien</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">nicht und wird zum beizulegenden Zeitwert \u00fcber die Gewinn-</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:131.07pt\">und Verlustrechnung bilanziert.</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zur Bestimmung der Wesentlichkeit einer sch\u00e4dlichen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">Kondition hat die Bank eine Abweichung von mehr als 5% der</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">kumulativen Zahlungsstr\u00f6me und 1% der j\u00e4hrlichen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zahlungsstr\u00f6me als sch\u00e4dlich definiert. Eine Gruppe von</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Krediten und Wertpapieren besteht aktuell den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Benchmarktest nicht, vorwiegend aufgrund des jeweiligen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:60.56pt\">Zinsindikators.</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Bank hat Darlehen gew\u00e4hrt, die Merkmale enthalten, die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">die vertraglichen Cashflows in Abh\u00e4ngigkeit von der Erf\u00fcllung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">bestimmter vertraglich festgelegter ESG-Ziele durch den</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Darlehensnehmer ver\u00e4ndern, z.B. einen reduzierten Zinssatz,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">wenn der Darlehensnehmer bestimmte Ziele zur Verringerung</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:29.96pt\">der CO</span><span class=\"f charStyle-fe08a940 ps2417\" style=\"width:3.35pt\">2</span><span class=\"f charStyle-34546584 ps2418\" style=\"width:228.7pt\">-Emissionen erf\u00fcllt. Wenn das ESG-Merkmal nur eine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">minimale Auswirkung (+/-5%) auf die vertraglichen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zahlungsstr\u00f6me des Instruments haben k\u00f6nnte, sieht die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:168.4pt\">BAWAG das SPPI-Kriterium als erf\u00fcllt an.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:118.12pt\">Finanzielle Verbindlichkeiten</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.13pt\">Gem\u00e4\u00df IFRS 9 werden finanzielle Verpflichtungen, die nicht</span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:164.3pt\">zu Handelszwecken bestimmt sind oder</span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">der Position \u201eFinanzielle Verbindlichkeiten, die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">erfolgswirksam zum beizulegenden Zeitwert bewertet</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:122.34pt\">werden\u201c zugeordnet werden,</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:197.55pt\">zu fortgef\u00fchrten Anschaffungskosten bewertet.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Fair-Value-\u00c4nderungen bei Verbindlichkeiten der Fair-Value-</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:192.27pt\">Option werden folgenderma\u00dfen ausgewiesen:</span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">der Betrag der Ver\u00e4nderung des beizulegenden Zeitwerts,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:189.85pt\">der aus dem Ausfallsrisiko der Verbindlichkeit</span><span class=\"f charStyle-34546584 ps2419\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:222.67pt\">resultiert, wird im sonstigen Ergebnis dargestellt; und</span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">die restliche Ver\u00e4nderung des beizulegenden Zeitwerts</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">wird erfolgswirksam in der Gewinn- und Verlustrechnung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:47.05pt\">dargestellt.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Bestimmte finanzielle Verpflichtungen, die nicht die Definition</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">von Handelspassiva erf\u00fcllen, werden nach der Fair-Value-</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Option als zum Fair Value bewertet klassifiziert. Die BAWAG</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Group hat die Fair-Value-Option in folgenden F\u00e4llen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:54.4pt\">angewendet:</span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:167.47pt\">Vermeidung eines Accounting Mismatch</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2420\" style=\"width:3.16pt\">-<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps2421\" style=\"width:239.55pt\">Fest verzinste Eigene Emissionen, deren Fair Value zum</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2421\" style=\"width:221.83pt\">Erwerbszeitpunkt durch Zinsderivate gesichert wurde</span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:136.95pt\">Vorliegen eingebetteter Derivate</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2420\" style=\"width:3.16pt\">-<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps2421\" style=\"width:197.57pt\">Eigene Emissionen mit eingebetteten Derivaten</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:79.23pt\">Reklassifizierungen</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Finanzielle Verm\u00f6genswerte werden nach erstmaligem Ansatz</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">nicht reklassifiziert, au\u00dfer in der Periode, in welcher der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:251.55pt\">Konzern das Gesch\u00e4ftsmodell der Finanzinstrumente \u00e4ndert.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:116.44pt\">Vertragliche Modifikationen</span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Werden im Rahmen von Neuverhandlungen von Krediten die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">vertraglichen Zahlungsstr\u00f6me ge\u00e4ndert, so ist eine Beurteilung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">hinsichtlich der Signifikanz der \u00c4nderung erforderlich. Im Falle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">einer nicht signifikanten \u00c4nderung der vertraglichen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zahlungsstr\u00f6me erfolgt eine Anpassung des Bruttobuchwerts</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">des Instruments auf Basis einer Barwertbetrachtung der neuen</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">vertraglichen Zahlungsstr\u00f6me, abgezinst mit dem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">urspr\u00fcnglichen Effektivzinssatz. Die Differenz zwischen dem</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">alten Bruttobuchwert und dem neuen Bruttobuchwert wird</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">erfolgswirksam als Modifizierungsgewinn oder -verlust erfasst</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">und unter den Gewinnen und Verlusten aus finanziellen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:193.72pt\">Verm\u00f6genswerten und Schulden ausgewiesen.</span><span class=\"f charStyle-34546584 ps2422\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Wenn sich die Zahlungsstr\u00f6me signifikant unterscheiden (die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">BAWAG hat hier eine Signifikanzgrenze der Barwert\u00e4nderung</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">von 10% gew\u00e4hlt), gelten die vertraglichen Rechte der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zahlungsstr\u00f6me aus den urspr\u00fcnglichen Instrumenten als</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">verfallen. In diesem Fall wird das urspr\u00fcngliche Instrument</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">ausgebucht, und ein neues finanzielles Instrument wird zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beizulegenden Zeitwert zuz\u00fcglich etwaiger anrechenbarer</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:113.9pt\">Transaktionskosten erfasst.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Weiters erfolgt eine Ausbuchung des urspr\u00fcnglichen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verm\u00f6genswertes, wenn es sich um eine qualitative</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Modifikation des Vertrags handelt. Eine solche liegt vor bei</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">einer \u00c4nderung der Vertragspartei oder der Vertragsw\u00e4hrung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">(es sei denn, dies wurde bereits im urspr\u00fcnglichen Vertrag</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">vereinbart) sowie bei Einf\u00fchrung oder Entfernung einer nicht</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:135.8pt\">SPPI-konformen Vertragsklausel.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Im Fall von Modifikationen, die nicht zu einer Ausbuchung</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">f\u00fchren, beurteilt die BAWAG eine signifikante Erh\u00f6hung des</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Kreditrisikos anhand der Kriterien f\u00fcr den Stufentransfer und</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bestimmt, ob ein 12-Monats-ECL oder ein Lifetime-ECL zu</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">ber\u00fccksichtigen ist. Ein signifikanter Anstieg des Kreditrisikos</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:150pt\">wird beurteilt durch einen Vergleich</span><span class=\"f charStyle-460d27f9 ps2423\" style=\"width:2.26pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">der kumulativen Ausfallswahrscheinlichkeit zum</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Berichtszeitpunkt auf der Grundlage der modifizierten</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:72.82pt\">Bedingungen und</span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">der kumulativen Ausfallswahrscheinlichkeit mit den</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">urspr\u00fcnglichen Vertragsbedingungen, die bei Erstansatz</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:160.53pt\">des Verm\u00f6genswerts gesch\u00e4tzt wurde.</span><span class=\"f charStyle-34546584 ps2424\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Wenn die Vertrags\u00e4nderung bei einem Kredit, der nicht</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wertgemindert ist, zu einer Ausbuchung f\u00fchrt, wird ein neuer</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:175.23pt\">Kredit angesetzt und der Stufe 1 zugeordn</span><span class=\"f charStyle-34546584 ps2425\" style=\"width:11.13pt\">et.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:101.55pt\">Eigenkapitalinstrumente</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">IFRS 9 besagt, dass alle Eigenkapitalinstrumente grunds\u00e4tzlich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zum beizulegenden Zeitwert \u00fcber die Gewinn- und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verlustrechnung bilanziert werden m\u00fcssen, au\u00dfer das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Unternehmen hat beim erstmaligen Ansatz unwiderruflich die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Wahl getroffen, die \u00c4nderungen des beizulegenden Zeitwerts</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">im sonstigen Ergebnis zu erfassen. Dieses Wahlrecht wird pro</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Instrument ausge\u00fcbt und gilt nicht f\u00fcr zu Handelszwecken</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">gehaltene Aktien. Bei Anwendung des Wahlrechtes werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">alle Bewertungen im sonstigen Ergebnis erfasst. Es kommt zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">keiner Umbuchung in die Gewinn- und Verlustrechnung, nur</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Dividenden werden in der Gewinn- und Verlustrechnung</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">ausgewiesen. Das Wahlrecht kann nur bei der erstmaligen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:252.34pt\">Erfassung ausge\u00fcbt und nachtr\u00e4glich nicht ge\u00e4ndert werden.</span><span class=\"f charStyle-34546584 ps2426\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Der Gro\u00dfteil der von der BAWAG gehaltenen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Eigenkapitalinstrumente wird f\u00fcr langfristige Zwecke gehalten,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">und es besteht nicht die Absicht, kurzfristige</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Ver\u00e4u\u00dferungsgewinne zu erzielen. Aus diesem Grund wurde</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">f\u00fcr die meisten Eigenkapitalinstrumente das Wahlrecht der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Bewertung zum beizulegenden Zeitwert im sonstigen Ergebnis</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">ausge\u00fcbt, um die Profitabilit\u00e4t des Konzerns klarer</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">darzustellen. Im Wesentlichen sind davon Beteiligungen an</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">nicht konsolidierten Gesellschaften sowie Investitionen in AT1-</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Instrumente (\u201ezus\u00e4tzliches Kernkapital\u201c) betroffen. F\u00fcr den</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Fall, dass die BAWAG plant, Eigenkapitalinstrumente in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">absehbarer Zeit zu verkaufen, wird \u00fcber das Wahlrecht eine</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:206.49pt\">individuelle Entscheidung je Investition getroffen.</span><span class=\"f charStyle-34546584 ps2427\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps185\" style=\"width:67.74pt\">Wertminderung</span><span class=\"f charStyle-81af04f8 ps2428\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Hinsichtlich Angaben zu Wertminderungen wird auf den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:101.19pt\">Risikobericht verwiesen.</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Barreserve</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die Barreserve beinhaltet Kassenbest\u00e4nde, Guthaben bei</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zentralnotenbanken und Sichteinlagen bei Kreditinstituten.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die Darstellung in der Bilanz erfolgt zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:86.11pt\">Anschaffungskosten.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Bilanzierung von Sicherungsbeziehungen (Hedge Accounting)</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Die BAWAG hat sich entschieden, weiterhin Hedge Accounting</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:114.48pt\">gem\u00e4\u00df IAS 39 anzuwenden.</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die BAWAG verwendet Fair-Value-Hedge-Accounting, um</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Absicherungen gegen Zins\u00e4nderungsrisiken bei</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">festverzinslichen Finanzinstrumenten darzustellen. Als</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Sicherungsgesch\u00e4fte werden \u00fcberwiegend Zinsswaps</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">verwendet. Die Grundgesch\u00e4fte umfassen Wertpapiere der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kategorie \u201eIm sonstigen Ergebnis ausgewiesene zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Verm\u00f6genswerte\u201c sowie Eigene Emissionen, Kundeneinlagen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und Forderungen an Kunden, die zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Anschaffungskosten bewertet werden. Die BAWAG wendet die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Vorschriften zur Bilanzierung der Absicherung von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Zahlungsstr\u00f6men (\u201eCashflow Hedge\u201c) nach IAS 39 f\u00fcr mit</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">hoher Wahrscheinlichkeit eintretende zuk\u00fcnftige</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zahlungsstr\u00f6me aus bestimmten Fremdw\u00e4hrungsportfolien</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">an. Als Sicherungsgesch\u00e4fte werden Cross-Currency-Swaps</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:128.42pt\">sowie FX-Outrights verwendet.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Nach den allgemeinen Regelungen werden Derivate als</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Handelsaktiva oder Handelspassiva klassifiziert und zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">beizulegenden Zeitwert (Fair Value) bewertet. Das</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bewertungsergebnis wird in der Position \u201eGewinne und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Verluste aus finanziellen Verm\u00f6genswerten und Schulden\u201c als</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Gewinne (Verluste) aus finanziellen Verm\u00f6genswerten im</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Handelsbestand ausgewiesen. Werden Derivate zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Absicherung von Risiken aus Nichthandelsgesch\u00e4ften</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">eingesetzt, wendet die BAWAG bei Erf\u00fcllung der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Voraussetzungen gem\u00e4\u00df IAS 39 Hedge Accounting</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:183.03pt\">(Bilanzierung von Sicherungsgesch\u00e4ften) an.</span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zu Beginn des Hedge Accountings werden die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Sicherungsbeziehung zwischen Grund- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Sicherungsgesch\u00e4ft, die Ziele des Risikomanagements und die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Methode zur Messung der Effektivit\u00e4t der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Sicherungsbeziehung dokumentiert. Die BAWAG \u00fcberpr\u00fcft am</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Beginn der Sicherungsbeziehung sowie zumindest an jedem</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Bilanzstichtag, ob die Kompensation der \u00c4nderungen der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">beizulegenden Zeitwerte aus Grund- und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sicherungsgesch\u00e4ften in Bezug auf das abgesicherte Risiko in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:104.25pt\">hohem Ma\u00dfe effektiv ist.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Das Zinsrisiko, f\u00fcr das der Konzern Hedge Accounting</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">anwendet, ergibt sich aus festverzinslichen Emissionen,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kundeneinlagen, Darlehen und festverzinslichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Schuldverschreibungen, deren beizulegender Zeitwert bei</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u00c4nderung der Referenzzinss\u00e4tze schwankt. Der Konzern sichert</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zins\u00e4nderungsrisiken nur im Rahmen von Referenzzinss\u00e4tzen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">ab, da die Marktwert\u00e4nderungen eines festverzinslichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verm\u00f6genswertes oder einer Verbindlichkeit wesentlich durch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">\u00c4nderungen des Referenzzinssatzes beeinflusst werden. Hedge</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Accounting wird angewendet, wenn wirtschaftliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sicherungsbeziehungen die Kriterien des Hedge Accounting</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:34.97pt\">erf\u00fcllen.</span><span class=\"f charStyle-34546584 ps2429\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG verfolgt einen konservativen Ansatz bei der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Steuerung ihrer Markt- und Zinsrisiken. Die Zinsrisikoposition</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">wird strategisch auf IFRS-Konzernebene gesteuert und auf</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Basis der \u00f6konomischen Sichtweise sowie nach der IFRS-</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bewertungskategorie (FVTPL, FVTOCI) gemessen, limitiert und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">gesteuert. Der Zinsrisikomanagementansatz konzentriert sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">auf die Reduktion von Marktrisiken und nutzt dabei nat\u00fcrliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Absicherungsm\u00f6glichkeiten der Bilanz sowie Derivate zur</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:122.03pt\">Steuerung der Risikoposition.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Das Fremdw\u00e4hrungsrisiko, f\u00fcr das der Konzern Cashflow</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Hedge Accounting anwendet, ergibt sich aus zuk\u00fcnftigen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zahlungsstr\u00f6men von Fremdw\u00e4hrungsportfolien, deren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beizulegender Zeitwert bei \u00c4nderung des FX-Kurses schwankt.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zur Absicherung des Fremdw\u00e4hrungsrisikos kommen im</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Konzern sowohl FX-Outrights als auch Cross-Currency-Swaps</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">zur Anwendung, da deren Marktwertver\u00e4nderung im</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wesentlichen von der \u00c4nderung des FX-Kurses beeinflusst</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:21.18pt\">wird.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">W\u00e4hrungsrisiken werden als gering eingestuft, da die BAWAG</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">eine Strategie zur Absicherung von W\u00e4hrungsrisiken</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">resultierend aus Kapital- und Zinszahlungen verfolgt. Die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risikoposition wird t\u00e4glich \u00fcberwacht und innerhalb enger</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Limite gesteuert. Dar\u00fcber hinaus wendet der Konzern</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Cashflow-Hedge-Accounting an, um das Fremdw\u00e4hrungsrisiko</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:249.97pt\">aus zuk\u00fcnftig erwarteten Spread-Einnahmen zu minimieren.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Durch den Einsatz derivativer Finanzinstrumente zur</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Absicherung von Zins\u00e4nderungs- und Fremdw\u00e4hrungsrisiken</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">setzt sich der Konzern auch dem Kreditrisiko der derivativen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gegenpartei aus, das nicht durch das abgesicherte</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Grundgesch\u00e4ft ausgeglichen wird. Die Gruppe minimiert das</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kontrahentenausfallsrisiko bei derivativen Instrumenten,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">indem sie Gesch\u00e4fte mit qualitativ hochwertigen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Gegenparteien abschlie\u00dft und von den Gegenparteien</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:243.01pt\">verlangt, Sicherheiten zu stellen und \u00fcber CCPs zu clearen.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bei Vorliegen von effektiven Sicherungsbeziehungen, die zur</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verringerung des Marktwertrisikos eingesetzt werden, wendet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:187.12pt\">die BAWAG Fair-Value-Hedge-Accounting an.</span></div><div class=\"ps248 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Mikro-Fair-Value-Hedge</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Beim Mikro-Fair-Value-Hedge werden ein finanzieller</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verm\u00f6genswert oder eine finanzielle Verbindlichkeit oder eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gruppe von gleichartigen finanziellen Verm\u00f6genswerten oder</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">finanziellen Verbindlichkeiten gegen Marktwert\u00e4nderungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">abgesichert. Wert\u00e4nderungen von Grund- und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Sicherungsgesch\u00e4ft werden in derselben Periode in der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Gewinn- und Verlustrechnung im Posten \u201eGewinne und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verluste aus finanziellen Verm\u00f6genswerten und Schulden\u201c</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erfasst. Dabei wird das Sicherungsinstrument erfolgswirksam</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">zum Fair Value angesetzt und das Grundgesch\u00e4ft um jene Fair-</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Value-\u00c4nderungen erfolgswirksam fortgeschrieben, die sich in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:178.81pt\">Bezug auf das abgesicherte Risiko ergeben.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Sobald das Sicherungsgesch\u00e4ft ver\u00e4u\u00dfert, ausge\u00fcbt oder f\u00e4llig</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">wird oder wenn die Voraussetzungen f\u00fcr die Qualifikation zum</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Hedge Accounting nicht mehr erf\u00fcllt sind, wird die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:197.23pt\">Bilanzierung der Sicherungsbeziehung beendet.</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Bis zu diesem Zeitpunkt erfolgte Bewertungsanpassungen des</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Grundgesch\u00e4fts werden \u00fcber die Restlaufzeit verteilt in der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:157.64pt\">Gewinn- und Verlustrechnung erfasst.</span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">F\u00fcr andere Arten von Anpassungen des beizulegenden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zeitwerts beziehungsweise bei Ver\u00e4u\u00dferung oder</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">anderweitiger Ausbuchung der durch eine Absicherung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">beizulegenden Zeitwerts gesicherten Verm\u00f6genswerte oder</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verbindlichkeiten werden die Anpassungen des beizulegenden</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zeitwerts bei der Ermittlung des bei Ausbuchung realisierten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:156.95pt\">Gewinns oder Verlusts ber\u00fccksichtigt.</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Da die wesentlichen Bewertungsparameter der Swaps und der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">entsprechenden Grundgesch\u00e4fte gleich sind, f\u00fchrt die BAWAG</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">eine qualitative prospektive Effektivit\u00e4tsbeurteilung durch. Es</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">wird erwartet, dass sich der Wert der Swaps und der Wert der</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">entsprechenden Grundgesch\u00e4fte in Abh\u00e4ngigkeit von der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zinsver\u00e4nderung in entgegengesetzter Richtung \u00e4ndern</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">werden. Die Hauptursache f\u00fcr die Ineffektivit\u00e4t von</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sicherungsgesch\u00e4ften ist, dass zur Bestimmung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">beizulegenden Zeitwerts von Sicherungsgesch\u00e4ften und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">gesicherten Grundgesch\u00e4ften unterschiedliche</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Diskontierungskurven verwendet werden (OIS vs. IBOR-</span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:54.77pt\">Discounting).</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Portfolio-Fair-Value-Hedge</span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Die BAWAG wendet die Vorschriften zur Bilanzierung der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Absicherung des beizulegenden Zeitwerts eines Portfolios</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">gegen Zins\u00e4nderungsrisiken an. Im Rahmen der Bilanzierung</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">hat der Konzern Sichteinlagen in Euro wie auch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Kundenforderungen mit Zinsober- und Zinsuntergrenzen sowie</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Fixzinskredite als Portfolien identifiziert, die gegen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zins\u00e4nderungsrisiken abgesichert werden sollen. Diese werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">entsprechend den erwarteten R\u00fcckzahlungs- und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zinsanpassungsterminen in Laufzeitb\u00e4nder eingeteilt. Als</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Grundgesch\u00e4ft f\u00fcr den Portfolio-Fair-Value-Hedge bestimmt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">die BAWAG aus dem identifizierten Portfolio einen Betrag von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verbindlichkeiten respektive Forderungen, der abgesichert</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">werden soll. Die Zu- und Abg\u00e4nge werden unter Anwendung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Bodensatzmethode (\u201eBottom-Layer-Approach\u201c) zun\u00e4chst</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">dem nicht designierten Teil der identifizierten Portfolien</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zugeordnet. Die BAWAG wendet hierbei den EU-Carve-out zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">IAS 39 an, der es erm\u00f6glicht, Sichteinlagen und \u00e4hnliche</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Instrumente auf Basis der erwarteten Abhebungs- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">F\u00e4lligkeitstermine als Bestandteil einer Sicherungsbeziehung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zu designieren. Der EU-Carve-out zu IAS 39 erm\u00f6glicht auch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:167.04pt\">die Anwendung der Bodensatzmethode.</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">F\u00fcr die bilanzielle Abbildung werden die Wert\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Grundgesch\u00e4fte, die auf das abgesicherte Risiko</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zur\u00fcckzuf\u00fchren sind, als separater Bilanzposten unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bewertungsanpassungen f\u00fcr gegen Zins\u00e4nderungsrisiken</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">abgesicherte Portfolien in der Bilanz erfasst. Wert\u00e4nderungen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">von Grund- und Sicherungsgesch\u00e4ft werden in derselben</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Periode in der Gewinn- und Verlustrechnung im Posten</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u201eGewinne und Verluste aus finanziellen Verm\u00f6genswerten und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:75.28pt\">Schulden\u201c erfasst.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Neben dem oben im Mikro-Fair-Value-Hedge-Abschnitt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">genannten Grund (OIS / IBOR-Basisspread) treten Ineffizienzen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">im Portfolio-Fair-Value-Hedge-Accounting auf, wenn das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Volumen der Absicherungsgesch\u00e4fte das tats\u00e4chliche Exposure</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:158.65pt\">der gesicherten Positionen \u00fcbersteigt.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Cashflow-Hedge</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die BAWAG wendet die Vorschriften zur Bilanzierung der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Absicherung von Zahlungsstr\u00f6men (\u201eCashflow Hedge\u201c) nach</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">IAS 39 f\u00fcr mit hoher Wahrscheinlichkeit eintretende</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zuk\u00fcnftige Zahlungsstr\u00f6me aus bestimmten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:124.02pt\">Fremdw\u00e4hrungsportfolien an.</span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die BAWAG hat zuk\u00fcnftige Margeneink\u00fcnfte aus GBP-, CHF-</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und USD-Verm\u00f6genswerten als Grundgesch\u00e4fte identifiziert,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">welche gegen das Risiko schwankender Zahlungsstr\u00f6me aus</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:260.06pt\">der Ver\u00e4nderung von Fremdw\u00e4hrungskursen abzusichern sind.</span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">IAS 39 erlaubt Teile von hochwahrscheinlichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zahlungsstr\u00f6men als Grundgesch\u00e4ft zu designieren. Die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">BAWAG widmet jeweils die ersten Zahlungsstr\u00f6me f\u00fcr eine</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:170.77pt\">definierte Zeitperiode als Grundgesch\u00e4ft.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Ver\u00e4nderungen aus dem beizulegenden Zeitwert der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Sicherungsinstrumente werden in der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gesamtergebnisrechnung unter \u201eCashflow-Hedge-R\u00fccklage\u201c</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">gezeigt. H\u00e4tte die BAWAG 2025 die Bestimmungen des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Cashflow Hedge nicht angewandt, w\u00e4re ein Gewinn von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.96pt\">71\u00a0Mio.\u00a0\u20ac (2024: Verlust von 57\u00a0Mio.\u00a0\u20ac) in der Gewinn- und</span><span class=\"f charStyle-34546584 ps1370\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verlustrechnung unter \u201eGewinne und Verluste aus finanziellen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:232.32pt\">Verm\u00f6genswerten und Schulden\u201c ausgewiesen worden.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Neben dem oben im Mikro-Fair-Value-Hedge-Abschnitt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">genannten Grund (OIS / IBOR-Basisspread) treten Ineffizienzen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">im Cashflow-Hedge-Accounting auf, wenn die erwarteten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Cashflows die tats\u00e4chlichen Cashflows der gesicherten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:98.46pt\">Positionen \u00fcbersteigen.</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Absicherung einer Nettoinvestition in einen ausl\u00e4ndischen </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Gesch\u00e4ftsbetrieb</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die BAWAG wendet das Net Investment Hedge Accounting</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gem\u00e4\u00df IAS 39 f\u00fcr Nettoinvestitionen in Tochtergesellschaften</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:206.06pt\">an, deren funktionale W\u00e4hrung nicht der Euro ist.</span><span class=\"f charStyle-34546584 ps2430\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die Absicherung einer Nettoinvestition nach IAS 39 wird zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Minderung der Auswirkungen in der Gewinn- und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verlustrechnung aus Instrumenten zur Absicherung des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Fremdw\u00e4hrungsrisikos angewendet. Das abgesicherte Risiko</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">ist definiert als das Fremdw\u00e4hrungsrisiko, das sich aus der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">funktionalen W\u00e4hrung des ausl\u00e4ndischen Gesch\u00e4ftsbetriebs</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">(derzeit CHF und USD) und der funktionalen W\u00e4hrung des</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:167.88pt\">Mutterunternehmens, dem Euro, ergibt.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Das Sicherungsinstrument wird zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">bewertet, wobei der effektive Teil seiner Ver\u00e4nderungen im</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">sonstigen Gesamtergebnis in einer separaten Komponente des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Eigenkapitals erfasst wird. Jeder ineffektive Teil des Gewinns</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">oder Verlusts aus dem Sicherungsinstrument wird in der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Gewinn- und Verlustrechnung erfasst, wenn die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Marktwert\u00e4nderung des Sicherungsinstruments die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Marktwert\u00e4nderung des gesicherten Grundgesch\u00e4fts</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:45.12pt\">\u00fcbersteigt.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Im sonstigen Gesamtergebnis werden die Wert\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sicherungsinstrumente unter Absicherung einer</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Nettoinvestition in ausl\u00e4ndische Gesch\u00e4ftsbetriebe</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">ausgewiesen. Im Jahr 2025 w\u00e4ren Fair-Value-Gewinne in H\u00f6he</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.95pt\">von 22,3\u00a0Mio.\u00a0\u20ac (2024: Verluste von 8,8\u00a0Mio.\u00a0\u20ac) in der Position</span><span class=\"f charStyle-34546584 ps2431\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Gewinne und Verluste aus Finanzinstrumenten in der Gewinn-</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">und Verlustrechnung ausgewiesen worden, wenn die BAWAG</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:243.33pt\">kein Net Investment Hedge Accounting angewendet h\u00e4tte.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Ineffizienzen aus der Absicherung einer Nettoinvestition</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">ergeben sich aus dem Sicherungsinstrument (Terminkontrakt),</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">das einen Fremdw\u00e4hrungsbasisspread enth\u00e4lt, der nicht im</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Grundgesch\u00e4ft (der Nettoinvestition) enthalten ist. Dar\u00fcber</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">hinaus kann es zu einer Ineffektivit\u00e4t kommen, wenn der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Buchwert der Nettoinvestition unter den urspr\u00fcnglich</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gewidmeten Betrag f\u00e4llt oder wenn das abgesicherte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Grundgesch\u00e4ft und das Sicherungsinstrument</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">unterschiedlichen Kontrahentenrisiken unterliegen (z.B. OIS-</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:177.87pt\">Diskontierung des Sicherungsinstruments).</span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Finanzgarantien</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Finanzgarantien sind vertragliche Vereinbarungen, die den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Garantiegeber dazu verpflichten, bestimmte Zahlungen zu</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">leisten, um den Garantienehmer f\u00fcr einen Verlust zu</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">entsch\u00e4digen, der dadurch entsteht, dass ein bestimmter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Schuldner unter den Bedingungen eines Schuldtitels f\u00e4llige</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:97.33pt\">Zahlungen nicht leistet.</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Im Zuge der gew\u00f6hnlichen Gesch\u00e4ftst\u00e4tigkeit begibt die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">BAWAG Finanzgarantien. Die Erstbewertung der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Finanzgarantie erfolgt mit dem Fair Value zum</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Erfassungszeitpunkt. Im Rahmen der Folgebewertung wird</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:255.46pt\">\u00fcberpr\u00fcft, ob eine R\u00fcckstellung gem\u00e4\u00df IFRS 9 erforderlich ist.</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Ist die BAWAG Garantienehmer, wird eine Finanzgarantie, die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">integraler Vertragsbestandteil ist, nicht in der Bilanz erfasst,</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">jedoch als Sicherheit ber\u00fccksichtigt, wenn eine</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Wertminderung der garantierten Verm\u00f6genswerte beurteilt</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wird. Die BAWAG betrachtet Garantien als integral, wenn sie</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zum oder nahe am Beginn des garantierten finanziellen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerts abgeschlossen werden. F\u00fcr Details siehe</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:35.73pt\">Note 28.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Methoden der Fair-Value-Ermittlung von Finanzinstrumenten</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG zieht zur Beurteilung eines \u201eaktiven Marktes\u201c</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">eines Wertpapieres neben Minimumanforderungen (z.B.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Emissionsgr\u00f6\u00dfe, B\u00f6rsenotiz) Informationen aus</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Handelssystemen (quotierte Volumina, H\u00e4ufigkeit der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Preisstellung) zur Ermittlung der Markttiefe und Liquidit\u00e4t</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:26.86pt\">heran.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Derivate</span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">F\u00fcr die Bewertung von b\u00f6rsengehandelten Gesch\u00e4ften, z.B.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Futures und Futureoptionen, werden B\u00f6rsenkurse</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">herangezogen. Details werden im Anhang unter Note 34</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.93pt\">dargestellt. Einige grunds\u00e4tzliche Angaben seien vorangestellt:</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">Das grundlegende Bewertungsmodell bei Plain-Vanilla-OTC-</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.04pt\">Optionen ist das Optionspreismodell nach Black-Scholes,</span><span class=\"f charStyle-c790e326 ps171\" style=\"width:2.34pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">welches je nach Underlying differiert. Fremdw\u00e4hrungsoptionen</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.04pt\">werden nach dem Garman-Kohlhagen-Modell und</span><span class=\"f charStyle-c790e326 ps171\" style=\"width:2.34pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.01pt\">Zinsoptionen werden nach Black bzw. Hull-White bewertet,</span><span class=\"f charStyle-c790e326 ps150\" style=\"width:2.34pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.02pt\">wobei bei Caps/Floors und Swaptions in W\u00e4hrungen mit</span><span class=\"f charStyle-c790e326 ps148\" style=\"width:2.34pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:229.83pt\">negativen Zinsen das Bachelier-Modell verwendet wird.</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.06pt\">Der Gesamtwert eines Zinsswaps ergibt sich aus den</span><span class=\"f charStyle-c790e326 ps146\" style=\"width:2.34pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.03pt\">Barwerten der fixen und der variablen Seite des Swaps. Bei</span><span class=\"f charStyle-c790e326 ps160\" style=\"width:2.34pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262pt\">Cross-Currency-Swaps (CCS) wird ebenso pro Leg der Barwert</span><span class=\"f charStyle-c790e326 ps167\" style=\"width:2.34pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262pt\">in der jeweiligen Transaktionsw\u00e4hrung ermittelt, der dann in</span><span class=\"f charStyle-c790e326 ps167\" style=\"width:2.34pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.06pt\">die funktionale W\u00e4hrung der Konzerngesellschaft umgerechnet</span><span class=\"f charStyle-c790e326 ps146\" style=\"width:2.34pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:81.59pt\">und summiert wird.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.02pt\">Bei Devisentermingesch\u00e4ften wird der vereinbarte Terminkurs,</span><span class=\"f charStyle-c790e326 ps148\" style=\"width:2.34pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.03pt\">der von den W\u00e4hrungs- und Zinsentwicklungen der beiden</span><span class=\"f charStyle-c790e326 ps160\" style=\"width:2.34pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">W\u00e4hrungen abh\u00e4ngt, dem aktuellen Terminkurs am</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">Bilanzstichtag gegen\u00fcbergestellt und daraus der Wert</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:43.25pt\">errechnet.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Credit Default Swaps (CDS) werden mittels Duffie-Singleton-</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Modell bewertet. Dabei wird auf Basis der Credit Spread Curve</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">die Default Probability Curve (Hazard Rate) ermittelt, mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">deren Hilfe das Protection Leg berechnet wird. Der Marktwert</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">des CDS ergibt sich dann durch Summierung des Protection</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:96.17pt\">und des Premium Legs.</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die BAWAG bestimmt f\u00fcr Bonit\u00e4tsrisiken von OTC-Derivaten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ein Credit (CVA) bzw. ein Debt Value Adjustment (DVA).</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Grunds\u00e4tzlich werden interne Ausfallswahrscheinlichkeiten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(PD) zur Berechnung herangezogen, als Verwertungsquote</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:168.23pt\">(REC) wird standardm\u00e4\u00dfig 0,4 angesetzt.</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">F\u00fcr diese Kontrahenten wird zur Bestimmung des EPE/ENE</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(Expected Positive/Negative Exposure) ein \u201eMarktwert + Add-</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">on\u201c-Modell verwendet. Die Add-on-Berechnung erfolgt f\u00fcr</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">jede Gesch\u00e4ftsart und W\u00e4hrung getrennt und wird</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">grunds\u00e4tzlich aus am Markt beobachtbaren Parametern</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:44.53pt\">abgeleitet.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Sofern ein Nettingagreement vorliegt, werden auch</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nettingeffekte auf Kundenebene innerhalb von Gesch\u00e4ften</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:198.89pt\">selben Typs und selber W\u00e4hrung ber\u00fccksichtigt.</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:205.93pt\">Aus den Diskonts\u00e4tzen, der Kontrahenten-PD und</span><span class=\"f charStyle-34546584 ps2432\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1602\" style=\"width:261.95pt\">-Verlustquote (1-REC) sowie dem EPE bestimmt sich der CVA</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">bzw. aus der BAWAG PD und -Verlustquote sowie dem ENE der</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:20.52pt\">DVA.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Sofern die Risikoabschlagsrate nicht aus Markttransaktionen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">abgeleitet werden kann, wird diese vom Management</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gesch\u00e4tzt. Dies betrifft insbesondere Non-Payment-Risiken</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aufgrund von rechtlichen Unsicherheiten, die nicht vom</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">allgemeinen Credit Spread des Kunden abgeleitet werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">k\u00f6nnen. Sofern die BAWAG davon ausgeht, dass das Gesch\u00e4ft</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">rechtswirksam zustande gekommen ist, weist die Bank auch im</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Falle einer Einrede einen Verm\u00f6genswert aus dem positiven</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:240.47pt\">Marktwert des Gesch\u00e4fts gegen\u00fcber der Gegenpartei aus.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zur Bewertung von finanziellen Verm\u00f6genswerten, deren</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Parameter nicht von Markttransaktionen abgeleitet werden</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">k\u00f6nnen, wird der erwartete Cashflow (samt Verzugszinsen,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">sofern vertraglich vereinbart) wahrscheinlichkeitsgewichtet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">und auf den Tag der Wertermittlung abgezinst. Sind die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">rechtliche Entstehung der Forderung oder ihr Fortbestand im</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Hinblick auf eventuelle Nichtigkeitsgr\u00fcnde oder eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Anfechtung streitig, werden diese rechtlichen Bedenken somit</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:174.67pt\">im Rahmen der Bewertung ber\u00fccksichtigt.</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Im Falle einer Aufl\u00f6sung (Close-out) eines derivativen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gesch\u00e4fts mit einem Kunden ver\u00e4ndert sich die Art der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Forderung der BAWAG. Vor der Vertragsaufl\u00f6sung handelte es</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">sich bei dem Verm\u00f6genswert um ein Derivat, nach dem Close-</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">out um eine vertragliche Forderung, deren H\u00f6he sich nicht</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">mehr in Abh\u00e4ngigkeit von Marktparametern \u00e4ndert. Die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Forderung erf\u00fcllt daher nicht mehr die Definition eines</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:94.82pt\">Derivats gem\u00e4\u00df IFRS 9.</span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Durch die vorzeitige Beendigung eines Derivatgesch\u00e4fts wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">die Variabilit\u00e4t der Zahlungsstr\u00f6me in Bezug auf H\u00f6he und</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Eintrittszeitpunkt wesentlich ver\u00e4ndert und das urspr\u00fcngliche</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Derivat durch einen neuen Verm\u00f6genswert ersetzt. Dessen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">erstmaliger Ansatz erfolgt nach IFRS 9.5.1.1 zum Fair Value.</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Fair Value entspricht dem Buchwert des Derivats zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zeitpunkt der Vertragsaufl\u00f6sung, welcher dabei auch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">s\u00e4mtliche bis zum Zeitpunkt der Aufl\u00f6sung (Close-out)</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vorgenommenen Bewertungsanpassungen umfasst. Eine aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der Vertragsaufl\u00f6sung entstandene Forderung erf\u00fcllt die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Voraussetzungen nach IFRS 9.4.1.2 zur Einordnung in die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:157.96pt\">Kategorie \u201eKredite und Forderungen\u201c.</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Diese Vorgehensweise wurde in Anlehnung an IFRS 9.3.3.2 und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">IFRS 9.3.2.7 gew\u00e4hlt, da in IFRS 9 keine expliziten Regelungen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bestehen, wie vorzugehen ist, wenn ein Finanzinstrument</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zun\u00e4chst die Merkmale eines Derivats erf\u00fcllt und in sp\u00e4terer</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Folge diese Merkmale nicht mehr erf\u00fcllt werden. Solche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Regelungsl\u00fccken sind gem\u00e4\u00df IAS 8.10 bis 8.12 durch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Anwendung einer \u00e4hnlichen Regelung in den IFRS und unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:200.61pt\">Bedachtnahme auf das Framework zu schlie\u00dfen.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Credit Linked Notes</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Die Bewertung von Credit Linked Notes, f\u00fcr die keine aktiven</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">M\u00e4rkte existieren, erfolgt anhand von Bewertungsmodellen.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Credit Linked Notes (CLNs) sind Schuldverschreibungen, deren</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">R\u00fcckzahlungsh\u00f6he von bestimmten vertraglich vereinbarten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Ereignissen abh\u00e4ngt. In der Regel sind es</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Schuldverschreibungen, die neben dem Ausfall des Emittenten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">synthetisch (via Credit Default Swap, CDS) auch das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ausfallsrisiko einer oder mehrerer weiterer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Referenzschuldverschreibungen tragen. Die Bewertung von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">CLNs ergibt sich aus Bond- bzw. CDS-Spreads von Emittent und</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:250.67pt\">Referenzschuldverschreibung, Kupon sowie der Restlaufzeit.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">F\u00fcr die Bewertungen komplexer Strukturen werden auch</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Bewertungen externer Experten herangezogen, die einer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:171.95pt\">Plausibilit\u00e4tspr\u00fcfung unterzogen werden.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Bewertung der Asset Backed Investments</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Jede Position des Collateralized-Loan-Obligation(CLO)-</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Portfolios der BAWAG unterliegt den monatlichen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bewertungen, die auf Basis des Bewertungstools von Moody\u2019s</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Analytics durchgef\u00fchrt werden. Der Bewertungsprozess wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">innerhalb der CDOnet-Funktionalit\u00e4t von Moody\u2019s Structured</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Finance Solutions auf Basis der Barwertmethodik</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">durchgef\u00fchrt. Das Modell verwendet die bereits in Moody\u2019s</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Structured Finance verf\u00fcgbaren Inputs (z.B. Cashflows,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">origin\u00e4re Spreads f\u00fcr jede Tranche, Weighted Average</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Maturity usw.) sowie zus\u00e4tzliche Parameter (haupts\u00e4chlich die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Spreads f\u00fcr die Diskontierung am relevanten Bewertungstag),</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die unabh\u00e4ngig vom Marktrisiko aus vergleichbaren CLO-</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Tranchen (in Bezug auf Bonit\u00e4t, CLO-Art, durchschnittliche</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Subordination usw.) abgeleitet werden. Als Quelle f\u00fcr aktuelle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Diskontierungsspreads werden einerseits das Moody\u2019s</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Structured Finance Portal, andrerseits weitere externe</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:234.09pt\">Datenquellen (z.B. Wells Fargo Securities) herangezogen</span><span class=\"f charStyle-34546584 ps2433\" style=\"width:2.62pt\">.</span><span class=\"f charStyle-34546584 ps2434\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Bewertung von Beteiligungen</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Zur Ermittlung des Fair Value der Beteiligungen wurden die</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">geplanten Aussch\u00fcttungen mit dem jeweils der Beteiligung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zugrunde liegenden marktbezogenen Diskontierungssatz nach</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Steuern abgezinst. Diese Prognosen ber\u00fccksichtigen die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aktuellsten Forecasts, einschlie\u00dflich der beobachteten und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">erwarteten Auswirkungen des Russland-Ukraine-Konflikts und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">weiterer globaler Risiken auf die Rentabilit\u00e4t der betreffenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:60.84pt\">Unternehmen.</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zur Ermittlung des Nutzungswerts von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Beteiligungsunternehmens wurden die geplanten m\u00f6glichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Dividenden herangezogen und f\u00fcr die Barwertermittlung mit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">dem jeweils zugrunde liegenden marktbezogenen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:179.9pt\">Diskontierungssatz nach Steuern abgezinst.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Der f\u00fcr die Bewertung herangezogene Planungshorizont</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">bel\u00e4uft sich im Regelfall auf f\u00fcnf Jahre. Die zugrunde gelegten</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">langfristigen Wachstumsraten liegen bei Going-Concern-</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Betrachtung in der Regel bei 1,0%. Soweit erforderlich,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">wurden entsprechende unternehmensspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewinnthesaurierungen im Rahmen der Ermittlung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Continuing Values und der detaillierten Planungsphase</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:61.07pt\">ber\u00fccksichtigt.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Der Diskontierungssatz nach Steuern setzt sich aus den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Komponenten risikoloser Basiszinssatz, l\u00e4nderspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Marktrisikopr\u00e4mie sowie Betafaktor zusammen. Zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.14pt\">31.\u00a0Dezember 2025 werden folgende Werte herangezogen:</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">Als risikoloser Basiszinssatz (3,54%) wird die gem\u00e4\u00df der</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Svensson-Methode aus den von der Deutschen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Bundesbank ver\u00f6ffentlichten Parametern errechnete 30-</span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">j\u00e4hrige Spotrate herangezogen (2024: 2,59%; 30-j\u00e4hrige</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:41.58pt\">Spotrate).</span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Als Anhaltspunkt f\u00fcr die l\u00e4nderspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Marktrisikopr\u00e4mie dienen die Damodaran-Homepage und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">die Empfehlung der Kammer der Wirtschaftstreuh\u00e4nder.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Die BAWAG verwendet f\u00fcr die Ermittlung des</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Diskontierungszinssatzes eine nominelle Marktrendite von</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">9,5% (2024: 9,5%). Unter Ber\u00fccksichtigung des risikoloser</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Basiszinssatzes von 3,54% wurde sich eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:220.15pt\">Marktrisikopr\u00e4mie von 5,96% (2024: 6,91%) gew\u00e4hlt.</span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Bei der Ermittlung des Betafaktors f\u00fcr Banken und</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Finanzdienstleistungsunternehmen (0,88) wird der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Mittelwert des w\u00f6chentlichen Zweijahresdurchschnitts von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">zehn an europ\u00e4ischen B\u00f6rsen notierenden Banken mit</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Schwerpunkt Retail-Gesch\u00e4ft herangezogen. Zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Vermeidung von nicht nachhaltigen \u00dcberbetonungen des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Marktes aufgrund von einmaligen Ereignissen und Krisen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">wird ein rollierender Betafaktor abgeleitet, es werden \u00fcber</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">12 Quartale die Zwei-Jahres-Betas der Peer-Group gebildet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">und daraus der Mittelwert herangezogen (rollierendes</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1534 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Beta). Als Quelle dient hierf\u00fcr Bloomberg. F\u00fcr die Peer</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1535 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">Group qualifizieren sich nur Banken mit einem R\u00b2</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">(Determinationskoeffizient) von zumindest 0,15 und / oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">einem Wert f\u00fcr den t-Test (Hypothesentest) von zumindest</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">1,98. Der Betafaktor f\u00fcr Nichtbanken betr\u00e4gt 1,0</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">(ausgenommen f\u00fcr B\u00f6rsen mit einem Betafaktor von 0,82),</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">welcher eine spezifische Gr\u00f6\u00dfe f\u00fcr Nichtbanken und kein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">allgemeines Marktrisiko darstellt. (2024: Bei der Ermittlung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">des Betafaktors f\u00fcr Banken und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Finanzdienstleistungsunternehmen (0,93) wird der</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Mittelwert des w\u00f6chentlichen Zweijahresdurchschnitts von</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">zehn an europ\u00e4ischen B\u00f6rsen notierenden Banken mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Schwerpunkt Retail-Gesch\u00e4ft herangezogen. Zur</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Vermeidung von nicht nachhaltigen \u00dcberbetonungen des</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Marktes aufgrund von einmaligen Ereignissen und Krisen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">wird ein rollierender Betafaktor abgeleitet, es werden \u00fcber</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">12 Quartale die Zwei-Jahres-Betas der Peer-Group gebildet</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">und daraus der Mittelwert herangezogen (rollierendes</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">Beta). Als Quelle dient hierf\u00fcr Bloomberg. F\u00fcr die Peer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">Group qualifizieren sich nur Banken mit einem R\u00b2</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">(Determinationskoeffizient) von zumindest 0,15 und / oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">einem Wert f\u00fcr den t-Test (Hypothesentest) von zumindest</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">1,98. Der Betafaktor f\u00fcr Nichtbanken betr\u00e4gt 1,0</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">(ausgenommen f\u00fcr B\u00f6rsen mit einem Betafaktor von 0,81),</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">welcher eine spezifische Gr\u00f6\u00dfe f\u00fcr Nichtbanken und kein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:142.11pt\">allgemeines Marktrisiko darstellt.)</span><span class=\"f charStyle-34546584 ps2435\" style=\"width:2.36pt\"> </span><span class=\"f charStyle-34546584 ps2436\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">\u00dcbertragung von Finanzinstrumenten</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Ausbuchung eines finanziellen Verm\u00f6genswerts erfolgt,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">sobald die wirtschaftlichen Ergebnisse aus dem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument dem Konzern nicht mehr zustehen, d.h.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">regelm\u00e4\u00dfig dann, wenn die Rechte und Pflichten aus dem</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument auf einen Dritten durch Aus\u00fcbung,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Ver\u00e4u\u00dferung oder Abtretung \u00fcbergehen bzw. der Konzern die</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.61pt\">Verf\u00fcgungsmacht verloren hat oder wenn die Rechte verfallen.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bei \u00dcbertragungen von finanziellen Verm\u00f6genswerten, bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">denen die BAWAG ma\u00dfgebliche Rechte und Verpflichtungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zur\u00fcckbehalten hat, erfolgt weiterhin ein Ausweis in der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:61.1pt\">Konzernbilanz.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Eine Verbindlichkeit wird ausgebucht, wenn die mit ihr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:248.65pt\">verbundene Verpflichtung beglichen oder aufgehoben wird.</span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Pensionsgesch\u00e4fte sind Vertr\u00e4ge, durch die finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte gegen Zahlung eines Betrages \u00fcbertragen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden und in denen gleichzeitig vereinbart wird, dass die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">finanziellen Verm\u00f6genswerte sp\u00e4ter gegen Entrichtung eines</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">im Voraus vereinbarten Betrages an den Pensionsgeber</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zur\u00fcck\u00fcbertragen werden m\u00fcssen. Die finanziellen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerte verbleiben weiterhin in der Bilanz der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">BAWAG und werden nach den f\u00fcr den jeweiligen Bilanzposten</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">geltenden Regeln bewertet. Die aus den Liquidit\u00e4tszufl\u00fcssen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aus den Pensionsgesch\u00e4ften resultierenden Verpflichtungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden, je nach Zweck des Gesch\u00e4ftes, in den Handelspassiva</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">oder in der Position \u201eFinanzielle Verbindlichkeiten aus</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:171.59pt\">Verm\u00f6gens\u00fcbertragungen\u201c ausgewiesen.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bei Reverse-Repo-Gesch\u00e4ften werden finanzielle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verm\u00f6genswerte mit der gleichzeitigen Verpflichtung eines</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:192.63pt\">zuk\u00fcnftigen Verkaufs gegen Entgelt erworben.</span><span class=\"f charStyle-34546584 ps2437\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Als Wertpapierleihe werden Gesch\u00e4fte bezeichnet, bei denen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vom Verleiher Wertpapiere an den Entleiher \u00fcbereignet</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">werden mit der Verpflichtung, dass der Entleiher nach Ablauf</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der vereinbarten Zeit Papiere gleicher Art, G\u00fcte und Menge</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zur\u00fcck\u00fcbertr\u00e4gt und f\u00fcr die Dauer der Leihe ein Entgelt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">entrichtet. Die Bilanzierung der verliehenen Wertpapiere</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erfolgt analog zu Pensionsgesch\u00e4ften. Dabei verbleiben</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">verliehene Wertpapiere im Wertpapierbestand des Konzerns</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und werden nach den Regeln des IFRS 9 bewertet. Bei</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertpapierleihegesch\u00e4ften sind regelm\u00e4\u00dfig Sicherheiten zu</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">stellen. Vom Entleiher gestellte Wertpapiersicherheiten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:167.8pt\">werden von diesem weiterhin bilanziert.</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Immaterielles Anlageverm\u00f6gen, Sachanlagen</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Unter den immateriellen Verm\u00f6genswerten werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">insbesondere erworbene Gesch\u00e4fts- und Firmenwerte und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">immaterielle Verm\u00f6genswerte wie Markennamen und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundenbeziehungen sowie sonstige erworbene oder selbst</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">erstellte immaterielle Verm\u00f6genswerte (vor allem Software)</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:114.66pt\">gem\u00e4\u00df IAS 38 ausgewiesen.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Immaterielle Verm\u00f6genswerte mit unbegrenzter</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Nutzungsdauer werden mit den Anschaffungskosten abz\u00fcglich</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertminderungen und zuz\u00fcglich Wertaufholungen angesetzt.</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Marken werden als immaterielle Verm\u00f6genswerte mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">unbestimmter Nutzungsdauer nicht abgeschrieben. Ein</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">immaterieller Verm\u00f6genswert hat eine unbestimmte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Nutzungsdauer, wenn keine rechtlichen, vertraglichen,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">regulatorischen oder weiteren die Nutzungsdauer</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">limitierenden Faktoren bestehen. Die Bilanzierung der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">immateriellen Verm\u00f6genswerte des Anlageverm\u00f6gens und des</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Sachanlageverm\u00f6gens mit begrenzter Nutzungsdauer erfolgt</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zu Anschaffungs- bzw. Herstellungskosten abz\u00fcglich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">planm\u00e4\u00dfiger, linearer Abschreibung und Wertminderungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">und zuz\u00fcglich Wertaufholungen. Die Abschreibungss\u00e4tze bei</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">den Geb\u00e4uden betragen 2,0% bis 14,3% (2024:\u00a02,0% bis</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">14,3%), bei der Betriebs- und Gesch\u00e4ftsausstattung reichen sie</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">von 5,0% bis 33,3% (2024: 2,0% bis 50,0%) und bei den</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nutzungsrechten nach IFRS 16 reichen sie von 5,0% bis 60,0%</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">(2024: 5,0% bis 36,4%). Die erworbene und selbst erstellte</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Software, andere immaterielle Verm\u00f6genswerte und Rechte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">(mit Ausnahme der Firmenwerte und des Markennamens)</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">werden mit 2,8% bis 33,3% (2024: 2,8% bis 33,3%)</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">abgeschrieben. Kundenbeziehungen werden linear \u00fcber</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">durchschnittlich 8\u201330 Jahre (2024: durchschnittlich 8\u201330</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Jahre) abgeschrieben. Abschreibungsmethode und -dauer</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">werden j\u00e4hrlich gem\u00e4\u00df IAS 38 \u00fcberpr\u00fcft. F\u00fcr Details siehe</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:35.73pt\">Note 19.</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Bei ge\u00e4nderten Umst\u00e4nden wird die Nutzungsdauer</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">entsprechend der wirtschaftlichen Restnutzungsdauer</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:44.43pt\">angepasst.</span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Entwicklungskosten f\u00fcr selbst erstellte Software werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aktiviert, wenn die technische Umsetzbarkeit gegeben ist, die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Absicht zur Fertigstellung der Software besteht, zuk\u00fcnftiger</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">wirtschaftlicher Nutzen erzielt werden kann und die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">angefallenen Kosten verl\u00e4sslich ermittelt werden k\u00f6nnen.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwendungen f\u00fcr Vorstudien (Forschungskosten) werden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:60.28pt\">nicht aktiviert.</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Zuwendungen der \u00f6ffentlichen Hand</span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zuwendungen der \u00f6ffentlichen Hand werden im</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Konzernabschluss der BAWAG erfasst, wenn angemessene</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Sicherheit dar\u00fcber besteht, dass diese gew\u00e4hrt und die damit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">verbundenen Bedingungen von der BAWAG erf\u00fcllt werden. Die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zuwendungen beziehen sich auf die Anschaffung von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verm\u00f6genswerten, werden von den Anschaffungskosten des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">entsprechenden Verm\u00f6genswerts in Abzug gebracht und in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">den Folgeperioden im Zuge der Abschreibung dieser</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:170.19pt\">Verm\u00f6genswerte erfolgswirksam erfasst.</span><span class=\"f charStyle-34546584 ps2438\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Der erfasste Gesamtbetrag an Zuwendungen der \u00f6ffentlichen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Hand bel\u00e4uft sich auf 0,3\u00a0Mio.\u00a0\u20ac. per 31. Dezember 2025</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">(2024: 0,4\u00a0Mio.\u00a0\u20ac). Dieser Betrag bezieht sich auf ein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Investitionsprogramm in \u00d6sterreich (\u201eInvestitionspr\u00e4mie\u201c), das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zur Unterst\u00fctzung der Wirtschaft in der COVID-19-Krise</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">angeboten wird und welches die Anschaffung von Sachanlagen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:190.33pt\">und immateriellen Verm\u00f6genswerten f\u00f6rdert.</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Vermietete Grundst\u00fccke und Geb\u00e4ude</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Unter \u201eVermietete Grundst\u00fccke und Geb\u00e4ude\u201c werden jene</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Liegenschaften ausgewiesen, die gem\u00e4\u00df IAS 40.5 die Kriterien</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">einer als Finanzinvestition gehaltenen Immobilie (Investment</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Properties) erf\u00fcllen. Das sind jene Liegenschaften, die in erster</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Linie der Erzielung von Mieteinnahmen dienen. Einige</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Liegenschaften werden auch in geringem Ma\u00dfe selbst genutzt.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Da diese Teile jedoch nicht gesondert verkauft werden k\u00f6nnen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und gem\u00e4\u00df IAS 40.10 unbedeutend sind, werden diese als</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Gesamtes unter der Position \u201eVermietete Grundst\u00fccke und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Geb\u00e4ude\u201c ausgewiesen. Vermietete Grundst\u00fccke und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Geb\u00e4ude werden gem\u00e4\u00df IFRS mit dem beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">(Fair Value) bewertet. Der beizulegende Zeitwert ist der Preis,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">der beim Verkauf eines Verm\u00f6genswerts in einer geordneten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Transaktion zwischen Marktteilnehmern am</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Bewertungsstichtag erzielt w\u00fcrde. Die Bewertung ist somit</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">marktbasiert, nicht unternehmensspezifisch. F\u00fcr Immobilien</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">bedeutet dies, dass der Wert aus Sicht typischer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Marktteilnehmer \u2014 unter Ber\u00fccksichtigung aktueller</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Marktbedingungen \u2014 zu bestimmen ist. F\u00fcr gewerblich</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">genutzte Immobilien wird der beizulegende Zeitwert anhand</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">von Bewertungsgutachten, die durch qualifizierte Experten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">erstellt werden, festgelegt. Die Wertermittlung erfolgt durch</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Abzinsung der erwarteten zuk\u00fcnftigen Cash-Flows in diversen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Szenarien unter Ber\u00fccksichtigung externer beobachteter</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Marktdaten (wie Mietpreise, Verkaufspreise und cap rates</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:211.84pt\">vergleichbarer Immobilien [Lage, Gr\u00f6\u00dfe, Zustand]).</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Wertminderungstests</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Der beizulegende Zeitwert der Marken wird anhand einer</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">modifizierten Lizenzpreisanalogiemethode (der Brand-Equity-</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Methode) ermittelt. Bei der Ableitung des mit dem Ertrag vor</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Steuern der jeweiligen Profitcenter assoziierten Anteils der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">Marke werden sowohl die Relevanz als auch die St\u00e4rke der</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Marke ber\u00fccksichtigt. Nach Ermittlung des markenbezogenen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Ertrags werden die Zahlungsstr\u00f6me mit dem entsprechenden</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Diskontierungssatz abgezinst. Der beizulegende Zeitwert des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Markennamens entspricht dem Barwert aller marktbezogenen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:69.09pt\">Zahlungsstr\u00f6me.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Cashflow-Prognosen basieren auf den von der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Gesch\u00e4ftsf\u00fchrung des Unternehmens geplanten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Jahresgewinnen der n\u00e4chsten f\u00fcnf Jahre und einer ewigen</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Wachstumsrate (abh\u00e4ngig vom Gesch\u00e4ftsmodell 0,5% bis</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">1,0%) danach. Die nachhaltige Wachstumsrate wurde</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">basierend auf der Sch\u00e4tzung der langfristigen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">durchschnittlichen j\u00e4hrlichen Gewinnwachstumsrate ermittelt,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">die mit der Annahme, die ein Marktteilnehmer treffen w\u00fcrde,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">\u00fcbereinstimmt. Der Abzinsungssatz nach Steuern wurde f\u00fcr</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">die Zahn\u00e4rztekasse mit 7,34%, mit 9,15% f\u00fcr die Idaho First</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Bank und f\u00fcr die anderen Gesellschaften mit 8,75% festgelegt</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">(2024: Zahn\u00e4rztekasse mit 6,97%, mit 9,02% f\u00fcr die Idaho First</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Bank und f\u00fcr die anderen Gesellschaften mit 9,02% festgelegt).</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die Planungsannahmen f\u00fcr den Zeitraum 2026\u20132030 basieren</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">auf den wirtschaftlichen Annahmen der EZB und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">angemessenen Sch\u00e4tzungen der Risikokosten. Der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Planungsinput basiert auf der Gesch\u00e4ftsstrategie, die ein</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">organisches Wachstum im Kernmarkt und eine kontinuierliche</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:177.17pt\">Verbesserung der Produktpalette vorsieht.</span><span class=\"f charStyle-34546584 ps2439\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Des Weiteren wird bei immateriellen Verm\u00f6genswerten und</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">bei Sachanlagen jeweils zum Bilanzstichtag \u00fcberpr\u00fcft, ob</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Anhaltspunkte f\u00fcr eine Wertminderung vorliegen. Sofern diese</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vorliegen, wird hierbei der f\u00fcr den Verm\u00f6genswert erzielbare</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Betrag ermittelt. Dieser entspricht dem h\u00f6heren Betrag aus</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nutzwert und Nettover\u00e4u\u00dferungspreis. Sofern der erzielbare</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Betrag unter dem Buchwert liegt, wird gem\u00e4\u00df IAS 36 eine</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertminderung in H\u00f6he des Unterschiedsbetrags</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">vorgenommen. Details zu Wertminderungen und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:165.16pt\">Aufwertungen finden sich unter Note 9.</span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">Entsprechend IFRS 3 iVm IAS 36 und IAS 38 wird f\u00fcr alle</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zahlungsmittel generierenden Einheiten (CGU) eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">\u00dcberpr\u00fcfung der Werthaltigkeit der aktivierten Firmenwerte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">und Markenrechte durch einen j\u00e4hrlichen Impairmenttest</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:165.96pt\">nach Ma\u00dfgabe des IAS 36 durchgef\u00fchrt.</span><span class=\"f charStyle-34546584 ps2440\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">IFRS 16 Leases</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Definition von Leasingverh\u00e4ltnissen</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zu Beginn des Leasingverh\u00e4ltnisses wird beurteilt, ob ein</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Vertrag in den Anwendungsbereich von IFRS 16 f\u00e4llt. Das ist</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">der Fall, wenn es sich beim Leasinggegenstand um einen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">identifizierten Verm\u00f6genswert handelt, dem Leasingnehmer</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">alle wirtschaftlichen Vorteile aus der Nutzung zuflie\u00dfen und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der Leasingnehmer das Recht hat, \u00fcber den</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:145.84pt\">Verwendungszweck zu bestimmen.</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Leasinglaufzeit beginnt an dem Bereitstellungsdatum, das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">ist jener Tag, an dem der Leasinggeber das Objekt dem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Leasingnehmer zur Nutzung \u00fcberl\u00e4sst. Sie umfasst die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">unk\u00fcndbare Grundmietzeit sowie Zeitr\u00e4ume, in denen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">hinreichend sicher ist, dass der Leasingnehmer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verl\u00e4ngerungsoptionen aus\u00fcbt bzw. K\u00fcndigungsoptionen nicht</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">aus\u00fcbt. Zus\u00e4tzlich ber\u00fccksichtigt die BAWAG alle relevanten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Tatsachen, welche einen wirtschaftlichen Anreiz zur Aus\u00fcbung</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:163.97pt\">solcher Optionen geben. Beispiele sind:</span><span class=\"f charStyle-34546584 ps2441\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:232.75pt\">Bedeutung des Leasingobjekts f\u00fcr die Gesch\u00e4ftst\u00e4tigkeit</span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:163.93pt\">Umfang und Kosten von Mieteinbauten</span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:227.04pt\">Kosten in Bezug auf die K\u00fcndigung des Leasingvertrags</span><span class=\"f charStyle-34546584 ps2442\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">F\u00fcr die Bewertung der Leasingverbindlichkeit sind alle fixen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zahlungen, quasifixe (= variabel, aber unvermeidbar) sowie</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">variable Zahlungen, die an einen Index oder Zinssatz gebunden</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">sind, zu ber\u00fccksichtigen. Andere variable Zahlungen, wie</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">umsatz- oder nutzungsabh\u00e4ngige Zahlungen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Betriebskosten, werden nicht inkludiert, sondern</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:96.33pt\">erfolgswirksam erfasst.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Im BAWAG-Konzern gibt es befristete (mit und ohne</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verl\u00e4ngerungsoption) sowie unbefristete Vertragsverh\u00e4ltnisse.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Bestimmung der Leasingvertragslaufzeit erfolgt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">grundlegend zu Beginn der Nutzungs\u00fcberlassung. Befristete</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Vertr\u00e4ge ohne Verl\u00e4ngerungsoption werden mit einer Laufzeit</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">bis zu ihrem vertraglichen Enddatum angesetzt. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Leasingvertragslaufzeit f\u00fcr befristete Vertr\u00e4ge mit</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verl\u00e4ngerungsoption sowie unbefristete Vertr\u00e4ge wird in</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:243.13pt\">Einklang mit dem Investitionszyklus der BAWAG gesch\u00e4tzt.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">BAWAG als Leasinggeber</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Ein Leasinggesch\u00e4ft wird als Finanzierungsleasing klassifiziert,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wenn es im Wesentlichen alle Chancen und Risiken, die mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">dem Eigentum verbunden sind, auf den Leasingnehmer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-355fba95 ps2\" style=\"width:258.02pt\">\u00fcbertr\u00e4gt. Demgegen\u00fcber gelten als Operating-Leasing-Verh\u00e4ltni</span><span class=\"f charStyle-34546584 ps2443\" style=\"width:4.01pt\">s</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">solche Vertragsverh\u00e4ltnisse, in denen der Leasingnehmer nicht</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:185.54pt\">alle wesentlichen Chancen und Risiken tr\u00e4gt.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Im Falle von Finanzierungsleasing (Finance Lease) werden die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Forderungen gegen\u00fcber den Leasingnehmern in H\u00f6he der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Barwerte der vertraglich vereinbarten Zahlungen unter</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Ber\u00fccksichtigung etwaiger Restwerte unter den</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:142.01pt\">Kundenforderungen ausgewiesen.</span><span class=\"f charStyle-34546584 ps2444\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Hingegen erfolgt im Falle von operativem Leasing (Operating</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Lease), bei dem die BAWAG als Eigent\u00fcmer alle Rechte und</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Pflichten an dem Leasinggegenstand beh\u00e4lt, der Ausweis unter</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">den Sachanlagen. F\u00fcr den jeweiligen Leasinggegenstand wird</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">eine entsprechende Abschreibung geltend gemacht. Die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Leasingzahlungen f\u00fcr Operating Lease und die Zinszahlungen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:229.94pt\">f\u00fcr Finance Lease werden erfolgswirksam vereinnahmt.</span><span class=\"f charStyle-34546584 ps2445\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">F\u00fcr die BAWAG stellt Operating Leasing ein unwesentliches</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:75.4pt\">Gesch\u00e4ftsfeld dar.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">BAWAG als Leasingnehmer</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Am Bereitstellungsdatum des Leasingverh\u00e4ltnisses werden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">sowohl ein Nutzungsrecht als auch eine Leasingverbindlichkeit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">bilanziell erfasst. Die Leasingverbindlichkeit wird in H\u00f6he des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Barwerts der Leasingzahlungen bewertet. F\u00fcr die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Diskontierung des Gro\u00dfteils der Leasingvertr\u00e4ge verwendet die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">BAWAG den Grenzfremdkapitalzinssatz, da der implizite</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zinssatz nicht ermittelt werden kann. Der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Grenzfremdkapitalzinssatz entspricht jenem Zinssatz, mit dem</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">sich die BAWAG am Markt refinanzieren kann. Dabei wird</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">angenommen, dass die Refinanzierung eine mit dem</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Leasingvertrag vergleichbare Laufzeit und Sicherheit aufweist.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">Da der Anteil der Leasingvertr\u00e4ge, die nicht auf Euro lauten,</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">unwesentlich ist, wird auf eine Refinanzierung in Euro</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:43.47pt\">abgestellt.</span><span class=\"f charStyle-34546584 ps2446\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Im Zuge der Folgebewertung wird die Leasingverbindlichkeit</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">um den Zinsaufwand auf den ausstehenden Betrag erh\u00f6ht und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">um Leasingzahlungen reduziert. Das Nutzungsrecht wird linear</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:178.34pt\">um die kumulierte Abschreibung reduziert.</span><span class=\"f charStyle-34546584 ps2447\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Die BAWAG wendet zwei Arten von Bilanzierungswahlrechten</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">f\u00fcr Leasingnehmer an, die der Standard f\u00fcr folgende</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:119.92pt\">Leasingverh\u00e4ltnisse vorsieht:</span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Kurzfristige Leasingverh\u00e4ltnisse mit einer Leasinglaufzeit</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:126.07pt\">von 12 Monaten oder weniger</span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:241.78pt\">Leasingverh\u00e4ltnisse von geringwertigem Leasingverm\u00f6gen</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Durch die Anwendung dieser Ausnahmeregelungen werden</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">die Leasingzahlungen nicht als Nutzungsrecht und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Leasingverbindlichkeit bilanziert, sondern wie bisher linear</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:239.98pt\">\u00fcber die Laufzeit als Mietaufwand erfolgswirksam erfasst.</span><span class=\"f charStyle-34546584 ps2448\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Bestehende Leasingvertr\u00e4ge unterliegen einer laufenden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Beurteilung, um signifikante Ereignisse zu ber\u00fccksichtigen, die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">sich auf die H\u00f6he der Leasingzahlungen oder auf die Laufzeit</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">auswirken, beispielsweise eine Anpassung der Leasingrate an</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">den aktuellen Index. In solchen F\u00e4llen wird die</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Leasingverbindlichkeit neu bewertet, um die \u00c4nderungen zu</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">reflektieren. Der neue Barwert wird entsprechend entweder</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">als Erh\u00f6hung oder Reduktion der urspr\u00fcnglichen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Verbindlichkeit verbucht. Das Nutzungsrecht wird in der Regel</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:135.26pt\">um denselben Betrag angepasst.</span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Ertragsteuern und latente Steuern</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Der Ausweis und die Berechnung von Ertragsteuern erfolgen in</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">\u00dcbereinstimmung mit IAS 12 nach der bilanzorientierten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verbindlichkeitsmethode. Zur Berechnung werden jene</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">lokalen Steuers\u00e4tze herangezogen, die zum Zeitpunkt der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:252.49pt\">Erstellung des Konzernabschlusses rechtlich verbindlich sind.</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Latente Steueranspr\u00fcche und -verbindlichkeiten resultieren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">aus steuerlich und bilanziell unterschiedlichen Wertans\u00e4tzen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bilanzierter Verm\u00f6genswerte oder Verpflichtungen. Dies f\u00fchrt</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">in der Zukunft voraussichtlich zu Ertragsteuerbelastungs- oder</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">-entlastungseffekten (tempor\u00e4re Unterschiede). F\u00fcr noch nicht</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">genutzte steuerliche Verlustvortr\u00e4ge werden aktive latente</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Steuern dann angesetzt, wenn es wahrscheinlich ist, dass in</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Zukunft zu versteuernde Gewinne in der gleichen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Steuereinheit anfallen. Abzinsungen f\u00fcr latente Steuern</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:120.58pt\">werden nicht vorgenommen.</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Dem Ergebnis zuzurechnende Steueraufwendungen sind in der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Gewinn- und Verlustrechnung des Konzerns in der Position</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u201eSteuern vom Einkommen und Ertrag\u201c ausgewiesen und in den</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Erl\u00e4uterungen in laufende und latente Ertragsteuern</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">unterteilt. Sonstige, nicht ertragsabh\u00e4ngige Steuern werden in</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Position \u201eSonstige betriebliche Ertr\u00e4ge und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.82pt\">Aufwendungen\u201c ausgewiesen.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Es besteht eine Steuergruppe gem\u00e4\u00df \u00a7\u00a09 KStG mit der BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Group AG als Gruppentr\u00e4ger. Zum 31. Dezember 2025</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beinhaltete die Steuergruppe zus\u00e4tzlich zum Gruppentr\u00e4ger 22</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">in diesem Abschluss konsolidierte und nicht konsolidierte</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Gruppenmitglieder (2024: Gruppentr\u00e4ger und 23</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:84.76pt\">Gruppenmitglieder).</span><span class=\"f charStyle-34546584 ps2449\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Im Gesch\u00e4ftsjahr 2017 wurde mit Wirkung vom 1. J\u00e4nner 2018</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zwischen dem Gruppentr\u00e4ger und den einzelnen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Steuergruppenmitgliedern eine neue Gruppen- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Steuerumlagevereinbarung abgeschlossen. F\u00fcr die Ermittlung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der Steuerumlagen wurde die Belastungsmethode gew\u00e4hlt.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Diese Methode fingiert die steuerliche Selbstst\u00e4ndigkeit des</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">einzelnen Gruppenmitglieds. Das Gruppenmitglied wird</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">verpflichtet, unabh\u00e4ngig vom gesamten Gruppenergebnis eine</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Steuerumlage in H\u00f6he des jeweils geltenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">K\u00f6rperschaftsteuersatzes vom steuerlichen Gewinn zu</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">entrichten. Ein interner Verlustvortrag f\u00fcr an den</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Gruppentr\u00e4ger \u00fcbertragene steuerliche Verluste wird hierbei</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">ber\u00fccksichtigt bzw. evident gehalten. Sofern der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gruppentr\u00e4ger eine Mindestk\u00f6rperschaftsteuer zu tragen hat,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">wird daf\u00fcr keine Steuerumlage verrechnet. Ein</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Schlussausgleich hat bei Beendigung der Steuergruppe oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bei Ausscheiden eines Gruppenmitglieds f\u00fcr noch nicht</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:177.39pt\">verg\u00fctete steuerliche Verluste zu erfolgen.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Weiters wurde in der neuen Gruppen- und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Steuerumlagevereinbarung festgelegt, dass der Gruppentr\u00e4ger</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">auf die Nachverrechnung von Steuerumlagen f\u00fcr Zeitr\u00e4ume</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vor dem 1. J\u00e4nner 2018 verzichtet. Interne Verlustvortr\u00e4ge aus</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:233.08pt\">Zeitr\u00e4umen vor dem 1. J\u00e4nner 2018 werden fortgef\u00fchrt.</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Ein Austritt der BAWAG Group AG aus der Steuergruppe bzw.</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">s\u00e4mtlicher anderer Gruppenmitglieder \u2013 mit Ausnahme der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Neuzug\u00e4nge 2024 und 2025 \u2013 w\u00fcrde keine</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">K\u00f6rperschaftsteuer-Nachzahlung per 31. Dezember 2025</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">ergeben, da die in \u00a7\u00a09 (10) KStG geforderte Mindestdauer von</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">drei Jahren bereits erf\u00fcllt ist. Bei den in den Jahren 2024 und</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">2025 der Gruppe neu beigetretenen Gruppenmitgliedern</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">w\u00fcrde sich eine K\u00f6rperschaftsteuer-Nachzahlung von rund</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:141.78pt\">0\u00a0Mio.\u00a0\u20ac (2024: 0\u00a0Mio.\u00a0\u20ac) ergeben.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die BAWAG-Gruppe definiert die globale Mindeststeuer als</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">eine Ertragsteuer im Sinne von IAS 12. Sie wird als laufende</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Steuer bilanziert, wenn sie anf\u00e4llt. Die verpflichtende</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Befreiung f\u00fcr die Bilanzierung latenter Steuern wird</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:49pt\">angewandt.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">R\u00fcckstellungen f\u00fcr Leistungen an Arbeitnehmer</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">R\u00fcckstellungen f\u00fcr Pensions- und Abfertigungsverpflichtungen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">sowie f\u00fcr Jubil\u00e4umsgelder werden gem\u00e4\u00df IAS 19 nach der</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Projected Unit Credit Method (dem</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Anwartschaftsbarwertverfahren) ermittelt. Der Barwert der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zum Bewertungsstichtag bestehenden Anspr\u00fcche wird</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aufgrund versicherungsmathematischer Gutachten unter</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Ber\u00fccksichtigung eines angemessenen Abzinsungssatzes und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zu erwartender Steigerungsraten der Geh\u00e4lter und Pensionen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">berechnet und als R\u00fcckstellung in der Konzernbilanz</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ausgewiesen. Versicherungsmathematische Gewinne und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Verluste aus Pensions- und Abfertigungsr\u00fcckstellungen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">werden im selben Gesch\u00e4ftsjahr zur G\u00e4nze im \u201eSonstigen</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:72.94pt\">Ergebnis\u201c erfasst.</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die wesentlichsten der versicherungsmathematischen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:202.68pt\">Berechnung zugrunde liegenden Parameter sind:</span></div><div class=\"ps2466 ss0\"><div class=\"ss99 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:117pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss100\"><div><div class=\"ps276 ss99\"><span class=\"f charStyle-9f85f029 ps36\">Parameter f\u00fcr Pensionsverpflichtungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss102\"><div><div class=\"ps276 ss101\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2452 ss104\"><div><div class=\"ps900 ss103\"><span class=\"f charStyle-584de24a ps2451\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2453 ss104\"><div><div class=\"ps900 ss103\"><span class=\"f charStyle-37455c2a ps2451\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps844 ss105\"><div><div class=\"ps40 ss101\"><span class=\"f charStyle-37455c2a ps36\">Rechnungszinssatz EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2455 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps2454\">4,00% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2456 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps2454\">3,40% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps849 ss105\"><div><div class=\"ps40 ss101\"><span class=\"f charStyle-37455c2a ps36\">Rechnungszinssatz CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2457 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps2454\">1,15% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2458 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps2454\">0,95% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps854 ss105\"><div><div class=\"ps40 ss101\"><span class=\"f charStyle-37455c2a ps36\">Rentendynamik<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2460 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps2459\">1,0%\u22122,0% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2461 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps2459\">1,0%\u22122,0% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss105\"><div><div class=\"ps40 ss101\"><span class=\"f charStyle-37455c2a ps36\">Fluktuationsabschlag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2463 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps2462\">0%\u221213,73% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2465 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps2464\">0%\u221215,0% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:131.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss107\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Parameter f\u00fcr Abfertigungsverpflichtungen und <span class=\"f ps37\"> </span></span></div><div class=\"ps2467 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Jubil\u00e4umsgelder</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss109\"><div><div class=\"ps1091 ss108\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2470 ss111\"><div><div class=\"ps281 ss110\"><span class=\"f charStyle-584de24a ps2469\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2471 ss111\"><div><div class=\"ps281 ss110\"><span class=\"f charStyle-37455c2a ps2469\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps300 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Rechnungszinssatz<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2473 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2472\">4,00% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2474 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2472\">3,40% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2475 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Gehaltsdynamik Abfertigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2476 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2472\">2,75% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2477 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2472\">2,75% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2341 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Gehaltsdynamik Jubil\u00e4umsgelder<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2478 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2472\">2,50% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2479 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2472\">2,50% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2480 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Fluktuationsabschlag Abfertigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2482 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2481\">0%\u22120,78% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2483 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2481\">0%\u22120,34% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1344 ss114\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Fluktuationsabschlag <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss108\"><span class=\"f charStyle-37455c2a ps36\">Jubil\u00e4umsgelder</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2485 ss115\"><div><div class=\"ps1717 ss110\"><span class=\"f charStyle-71900c34 ps2484\">0% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2486 ss115\"><div><div class=\"ps1717 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2481\">0%\u22127,10% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1839 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Pensionsalter<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2489 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2487\">60\u201365 Jahre</span><span class=\"f charStyle-dca7a473 ps2488\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2490 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-b27625d4 ps2487\">60\u201365 Jahre</span><span class=\"f charStyle-8e2bfe67 ps2488\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2492 ss116\"><div><div class=\"ps2491 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">1 Angenommen wurde jeweils individuell das fr\u00fchestm\u00f6gliche Pensionsalter gem\u00e4\u00df den </span></div><div class=\"ps277 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">gesetzlichen Bestimmungen (exkl. Korridorpensionen).</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2493 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Im Jahr 2025 wurde ein Rechnungszinssatz von 4,00%</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2495 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:107.1pt\">verwendet (2024: 3,40%).</span><span class=\"f charStyle-34546584 ps2494\" style=\"width:2.36pt\"> </span></div><div class=\"ps2496 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die in der BAWAG bestehenden Altersversorgungspl\u00e4ne mit</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2497 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">leistungsorientierten Zusagen werden vollst\u00e4ndig \u00fcber</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2498 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">R\u00fcckstellungen finanziert. Die von der Pensionskasse bekannt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2499 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">gegebenen zugeordneten Verm\u00f6gensteile, welche f\u00fcr</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2500 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">bestimmte Beg\u00fcnstigte eingerichtet wurden, werden auf die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2501 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:222.86pt\">ermittelten Pensionsr\u00fcckstellungswerte angerechnet.</span></div><div class=\"ps2502 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Durch die Altersversorgungspl\u00e4ne ist die BAWAG</span><span class=\"f charStyle-34546584 ps171\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps2503 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">versicherungstechnischen Risiken wie dem Zinsrisiko und dem</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2504 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:130.38pt\">Langlebigkeitsrisiko ausgesetzt.</span></div><div class=\"ps2505 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Pensionsanspr\u00fcche eines Gro\u00dfteils der Mitarbeiter sind</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2506 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beitragsorientierte Anspr\u00fcche. Die Zahlungen an die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2507 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Pensionskasse werden in der laufenden Periode als Aufwand</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2508 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">erfasst, dar\u00fcber hinausgehende Verpflichtungen bestehen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2509 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">nicht. Beitr\u00e4ge an Pensionskassen f\u00fcr beitragsorientierte Pl\u00e4ne</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2510 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:205.95pt\">betrugen im Jahr 2025 17\u00a0Mio.\u00a0\u20ac (2024: 9\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps2511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sonstige R\u00fcckstellungen</span></div><div class=\"ps2512 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sonstige R\u00fcckstellungen f\u00fcr ungewisse Verbindlichkeiten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2513 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">gegen\u00fcber Dritten werden mit der besten Sch\u00e4tzung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">(einschlie\u00dflich Risiken und Unsicherheiten) bewertet und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">unter Ber\u00fccksichtigung des Zeitwerts des Geldes gebildet. F\u00fcr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:90.78pt\">Details siehe Note 28.</span></div><div class=\"ps2518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">A</span><span class=\"f charStyle-02ed52cc ps2517\">nteilsbasierte Verg\u00fctungen</span></div><div class=\"ps2519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Als Entlohnung f\u00fcr die geleistete Arbeit erhalten die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Mitarbeiter des Konzerns (einschlie\u00dflich der F\u00fchrungskr\u00e4fte)</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">eine anteilsbasierte Verg\u00fctung in Form von</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Eigenkapitalinstrumenten (Transaktionen mit Ausgleich durch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Eigenkapitalinstrumente wie auch mit Barausgleich). Die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:133.58pt\">Bilanzierung erfolgt nach IFRS 2.</span><span class=\"f charStyle-34546584 ps2524\" style=\"width:2.36pt\"> </span></div><div class=\"ps2526 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Verg\u00fctung mit Ausgleich durch Eigenkapitalinstrumente</span></div><div class=\"ps2527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Kosten von Transaktionen mit Ausgleich durch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2528 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Eigenkapitalinstrumente werden unter Anwendung eines</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">geeigneten Bewertungsmodells mit dem beizulegenden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Zeitwert zu dem Zeitpunkt bewertet, zu dem die Gew\u00e4hrung</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:30.42pt\">erfolgt.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Diese Kosten werden, zusammen mit einer entsprechenden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Erh\u00f6hung des Eigenkapitals (andere Kapitalr\u00fccklage), \u00fcber den</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zeitraum, in dem die Dienst- und gegebenenfalls die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Leistungsbedingungen erf\u00fcllt werden (Erdienungszeitraum), in</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:249.67pt\">den Aufwendungen f\u00fcr Leistungen an Arbeitnehmer erfasst.</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Die an jedem Abschlussstichtag bis zum Zeitpunkt der ersten</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Aus\u00fcbungsm\u00f6glichkeit ausgewiesenen kumulierten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Aufwendungen aus der Gew\u00e4hrung der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Eigenkapitalinstrumente reflektieren den bereits abgelaufenen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Teil des Erdienungszeitraums sowie die Anzahl der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Eigenkapitalinstrumente, die nach bestm\u00f6glicher Sch\u00e4tzung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">des Konzerns mit Ablauf des Erdienungszeitraums tats\u00e4chlich</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zugeteilt werden. Der im Periodenergebnis erfasste Ertrag</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">oder Aufwand entspricht der Entwicklung der zu Beginn und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">am Ende des Berichtszeitraums erfassten kumulierten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:65.93pt\">Aufwendungen.</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Bei der Bestimmung des beizulegenden Zeitwerts von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verg\u00fctungsvereinbarungen zum Gew\u00e4hrungszeitpunkt werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">dienst- und marktunabh\u00e4ngige Leistungsbedingungen nicht</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">ber\u00fccksichtigt. Die Wahrscheinlichkeit, dass die Bedingungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">erf\u00fcllt werden, wird jedoch im Rahmen der bestm\u00f6glichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Sch\u00e4tzung des Konzerns in Bezug auf die Anzahl der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Eigenkapitalinstrumente, die mit Ablauf des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Erdienungszeitraums tats\u00e4chlich zugeteilt werden, beurteilt.</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Marktabh\u00e4ngige Leistungsbedingungen werden im</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">beizulegenden Zeitwert zum Gew\u00e4hrungszeitpunkt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">ber\u00fccksichtigt. Alle anderen mit einer Verg\u00fctungsvereinbarung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">verbundenen Aus\u00fcbungsbedingungen \u2013 aber ohne eine damit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zusammenh\u00e4ngende Dienstzeitbedingung \u2013 werden als</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Nichtaus\u00fcbungsbedingungen angesehen.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Nichtaus\u00fcbungsbedingungen werden im beizulegenden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zeitwert einer Verg\u00fctungsvereinbarung ber\u00fccksichtigt und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">f\u00fchren zu einer sofortigen aufwandswirksamen Erfassung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">einer Verg\u00fctungsvereinbarung, sofern nicht auch Dienst- und/</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:158.37pt\">oder Leistungsbedingungen bestehen.</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wenn Verg\u00fctungsvereinbarungen eine Markt- oder</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Nichtaus\u00fcbungsbedingung beinhalten, werden die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Transaktionen unabh\u00e4ngig davon, ob die Markt- oder</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Nichtaus\u00fcbungsbedingung erf\u00fcllt ist, als zugeteilt betrachtet,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">vorausgesetzt, dass alle sonstigen Leistungs- und</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:130.55pt\">Dienstbedingungen erf\u00fcllt sind.</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Werden die Bedingungen einer Verg\u00fctungsvereinbarung mit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Ausgleich durch Eigenkapitalinstrumente ge\u00e4ndert, so werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Aufwendungen mindestens in der H\u00f6he des beizulegenden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zeitwerts der nicht ge\u00e4nderten Verg\u00fctungsvereinbarung zum</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gew\u00e4hrungsdatum erfasst, sofern die urspr\u00fcnglichen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Bedingungen der Verg\u00fctungsvereinbarung erf\u00fcllt werden. Der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Konzern erfasst au\u00dferdem die Auswirkungen von \u00c4nderungen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(bewertet zum Zeitpunkt der \u00c4nderung), die den gesamten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">beizulegenden Zeitwert der anteilsbasierten Verg\u00fctung</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">erh\u00f6hen oder mit einem anderen Nutzen f\u00fcr den</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Arbeitnehmer verbunden sind. Wird eine</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verg\u00fctungsvereinbarung vom Unternehmen oder der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gegenpartei annulliert, dann wird jedes verbleibende Element</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">des beizulegenden Zeitwerts der Verg\u00fctungsvereinbarung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:130.86pt\">sofort ergebniswirksam erfasst.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Verg\u00fctung mit Barausgleich</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">F\u00fcr Verg\u00fctungen mit Barausgleich definiert IFRS 2, dass der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beizulegende Zeitwert der erhaltenen Dienstleistungen auf</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">dem beizulegenden Zeitwert der Verbindlichkeit basiert. Im</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Gegensatz zum Modell des Gew\u00e4hrungsdatums f\u00fcr</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aktienbasierte Verg\u00fctungen wird der beizulegende Zeitwert</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">der Verg\u00fctung zu jedem Bilanzstichtag und bei der Erf\u00fcllung</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">neu bewertet. Die endg\u00fcltigen Kosten einer anteilsbasierten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verg\u00fctung mit Barausgleich sind die an den Beg\u00fcnstigten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">gezahlten Barmittel, d.h. der beizulegende Zeitwert zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Erf\u00fcllungstag. Bis zur Begleichung wird der Anspruch aus der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verg\u00fctung als Verbindlichkeit und nicht innerhalb des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Eigenkapitals ausgewiesen. \u00c4nderungen in der Bewertung der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verbindlichkeit werden in der Gewinn- und Verlustrechnung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:61.07pt\">ber\u00fccksichtigt.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Auswirkungen einer Marktbedingung oder einer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Nichtaus\u00fcbungsbedingung spiegeln sich in der Sch\u00e4tzung des</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beizulegenden Zeitwerts der aktienbasierten Verg\u00fctungen mit</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Barausgleich sowohl zum Zeitpunkt der Gew\u00e4hrung als auch in</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der Folge wider. Aus\u00fcbungsbedingungen (mit Ausnahme von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Marktbedingungen) werden bei der Sch\u00e4tzung des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">beizulegenden Zeitwerts von aktienbasierten Verg\u00fctungen mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Barausgleich nicht ber\u00fccksichtigt. Stattdessen werden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Aus\u00fcbungsbedingungen (mit Ausnahme von</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Marktbedingungen) bei der Bewertung der Verbindlichkeit</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">ber\u00fccksichtigt, die durch die Anpassung der Anzahl der Rechte</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">entsteht, die voraussichtlich aus\u00fcbbar werden. Diese</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Sch\u00e4tzung wird bei der Bewertung der Verbindlichkeit zu</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">jedem Berichtsstichtag bis zum Tag der Unverfallbarkeit neu</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">bewertet. Auf kumulierter Basis wird kein Aufwand erfasst,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wenn die gew\u00e4hrten Pr\u00e4mien nicht aus\u00fcbbar werden, weil</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">eine Aus\u00fcbungsbedingung oder eine</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:176.08pt\">Nichtaus\u00fcbungsbedingung nicht erf\u00fcllt ist.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Wenn ein Mitarbeiter nicht zur Erbringung einer</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Dienstleistung verpflichtet ist, werden Aufwand und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verbindlichkeit sofort nach dem Zuteilungsdatum erfasst.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Wenn der Mitarbeiter f\u00fcr einen bestimmten Zeitraum zur</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Erbringung von Dienstleistungen verpflichtet ist, werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwand und Verbindlichkeit \u00fcber den Erdienungszeitraum</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">verteilt, wobei die Wahrscheinlichkeit, Aus\u00fcbungsbedingungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">zu erreichen, \u00fcberpr\u00fcft und der beizulegende Zeitwert der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verbindlichkeit am Ende jeder Berichtsperiode neu bewertet</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:21.18pt\">wird.</span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">\u00c4nderungen von Ausgleich durch Eigenkapitalinstrumente in </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Barausgleich und vice versa</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Im Falle einer \u00c4nderung eines Programms von \u201eAusgleich</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">durch Eigenkapitalinstrumente\u201c in \u201eBarausgleich\u201c wird zum</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zeitpunkt der \u00c4nderung eine Verbindlichkeit zum Barausgleich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">erfasst, basierend auf dem beizulegenden Zeitwert der Aktien</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zum Zeitpunkt der Modifizierung und in dem Umfang, in dem</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:166.43pt\">die Leistungen bereits erbracht wurden.</span><span class=\"f charStyle-34546584 ps2532\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wenn die H\u00f6he der zum \u00c4nderungszeitpunkt erfassten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Verbindlichkeit geringer ist als der zuvor als Erh\u00f6hung des</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Eigenkapitals erfasste Betrag, wird kein Gewinn f\u00fcr die</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Differenz zwischen dem bisher im Eigenkapital erfassten</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Betrag und dem beizulegenden Zeitwert des in die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verbindlichkeiten umgegliederten Betrags erfasst; diese</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Differenz verbleibt im Eigenkapital. Nach der Modifizierung</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">erfasst der Konzern weiterhin den beizulegenden Zeitwert der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">gew\u00e4hrten Eigenkapitalinstrumente zum</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Gew\u00e4hrungszeitpunkt als Aufwand f\u00fcr die aktienbasierte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verg\u00fctung. Eine sp\u00e4tere Neubewertung der Verbindlichkeit</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">(vom Zeitpunkt der \u00c4nderung bis zum Erf\u00fcllungstag) wird</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:96.33pt\">erfolgswirksam erfasst.</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Bei \u00c4nderungen eines Programms von einer anteilsbasierten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verg\u00fctung mit Barausgleich zu einer anteilsbasierten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verg\u00fctung mit Ausgleich durch Eigenkapitalinstrumente wird</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">die ausstehende Verbindlichkeit mit dem aktuellen Aktienkurs</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">am Tag der \u00c4nderung neu bewertet, wobei \u00c4nderungen des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">beizulegenden Zeitwerts erfolgswirksam erfasst werden.</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Danach wird die Verbindlichkeit gegen das Eigenkapital</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">aufgel\u00f6st und es werden keine weiteren \u00c4nderungen des</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:135.17pt\">beizulegenden Zeitwerts erfasst.</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Bilanzierung von Annulierungen</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Wird ein durch Gew\u00e4hrung von Eigenkapitalinstrumenten zu</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erf\u00fcllender Anspruch w\u00e4hrend des Erdienungszeitraums</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">annulliert oder abgerechnet, wird die Annullierung oder</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Abrechnung als vorgezogene Aus\u00fcbung bilanziert. Der Betrag,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">der andernfalls f\u00fcr den verbleibenden Erdienungszeitraum</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">erfasst worden w\u00e4re, wird sofort erfolgswirksam erfasst. Jede</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Zahlung, die an den Mitarbeiter bei der Annullierung oder</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Abrechnung der Anspr\u00fcche geleistet wird, wird als Abzug vom</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Eigenkapital verbucht. \u00dcbersteigt die Zahlung den zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Beendigungszeitpunkt ermittelten beizulegenden Zeitwert der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">gew\u00e4hrten Eigenkapitalinstrumente, wird der \u00fcbersteigende</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:113.66pt\">Betrag als Aufwand erfasst.</span><span class=\"f charStyle-34546584 ps2533\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Eventualverbindlichkeiten und nicht ausgen\u00fctzte </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Kreditrahmen</span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Hierbei handelt es sich im Wesentlichen um</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Eventualverbindlichkeiten aus B\u00fcrgschaften sowie nicht</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ausgen\u00fctzte Kreditrahmen. Als B\u00fcrgschaften werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Sachverhalte ausgewiesen, bei denen die BAWAG als B\u00fcrge</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">gegen\u00fcber dem Gl\u00e4ubiger eines Dritten f\u00fcr die Erf\u00fcllung der</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verbindlichkeit des Dritten einsteht. Als nicht ausgenutzte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kreditrahmen sind Verpflichtungen ausgewiesen, aus denen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">ein Kreditrisiko entstehen kann. Die Risikovorsorge f\u00fcr</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Eventualverbindlichkeiten und nicht ausgenutzte</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kreditrahmen wird in der \u201eR\u00fcckstellung f\u00fcr drohende Verluste</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">aus schwebenden Gesch\u00e4ften\u201c gezeigt. F\u00fcr Details siehe Note</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:12.94pt\">44.</span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Eigenkapital</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Das Eigenkapital umfasst das von den Eigent\u00fcmern zur</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verf\u00fcgung gestellte Kapital (gezeichnetes Kapital und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kapitalr\u00fccklagen), AT1-Kapital sowie das erwirtschaftete</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kapital (Gewinnr\u00fccklagen, R\u00fccklagen aus der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">W\u00e4hrungsumrechnung, FVOCI-R\u00fccklage, Cashflow-Hedge-</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">R\u00fccklage, Net-Investment-Hedge-R\u00fccklage,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">versicherungsmathematische Gewinne und Verluste,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.51pt\">Gewinnvortrag und Jahresergebnis). F\u00fcr Details siehe Note 31.</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Erfassung von Ertr\u00e4gen</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Ertr\u00e4ge werden insoweit erfasst, als es wahrscheinlich ist, dass</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">der wirtschaftliche Nutzen dem Unternehmen zuflie\u00dfen wird</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:220.04pt\">und die Ertr\u00e4ge verl\u00e4sslich bewertet werden k\u00f6nnen.</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">IFRS 15 Umsatzerl\u00f6se aus Vertr\u00e4gen mit Kunden</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">IFRS 15 legt die Grunds\u00e4tze fest, ob, wann und in welcher</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">H\u00f6he Erl\u00f6se aus Vertr\u00e4gen mit Kunden erfasst werden.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Demnach werden Ertr\u00e4ge aus Geb\u00fchren und Provisionen dann</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bilanziell erfasst, wenn die Verf\u00fcgungsmacht \u00fcber die Waren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und Dienstleistungen \u00fcbertragen wurde und somit die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">vertraglichen Leistungsverpflichtungen gegen\u00fcber dem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:106.62pt\">Kunden erbracht wurden.</span><span class=\"f charStyle-34546584 ps2534\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die BAWAG erh\u00e4lt Geb\u00fchren- und Provisionsertr\u00e4ge aus</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">verschiedenen Dienstleistungen, die f\u00fcr Kunden erbracht</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">werden. Diese werden im Provisions\u00fcberschuss in der Gewinn-</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:145.42pt\">und Verlustrechnung ausgewiesen.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Vereinnahmung von Geb\u00fchren und Provisionen f\u00fcr</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Leistungen, die \u00fcber einen bestimmten Zeitraum erbracht</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">werden, erfolgt \u00fcber die Periode der Leistungserbringung.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Darin enthalten sind Provisionen aus dem Kredit- und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Girogesch\u00e4ft, Haftungsprovisionen und sonstige Verwaltungs-</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">und Depotgeb\u00fchren. In den F\u00e4llen, in denen ein zugeh\u00f6riges</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Finanzinstrument existiert, werden Provisionen, die integraler</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bestandteil des Effektivzinssatzes dieses Finanzinstruments</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:178.87pt\">sind, als Teil des Zinsertrages ausgewiesen.</span><span class=\"f charStyle-34546584 ps2535\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Geb\u00fchren, die mit der vollst\u00e4ndigen Erbringung einer</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bestimmten Dienstleistung oder einem signifikanten Ereignis</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">(transaktionsbezogenen Leistungen) verbunden sind, werden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">vereinnahmt, wenn die Dienstleistung vollst\u00e4ndig erbracht</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">wurde oder das signifikante Ereignis eingetreten ist.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Provisionen aus der Durchf\u00fchrung von transaktionsbezogenen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Leistungen umfassen unter anderem das Wertpapiergesch\u00e4ft,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">die Vermittlung von Versicherungen und Bausparvertr\u00e4gen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:161.61pt\">und das Devisen- und Valutengesch\u00e4ft.</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwendungen, die im direkten und inkrementellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zusammenhang mit der Generierung von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Provisionseinnahmen stehen, werden im Provisionsaufwand</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">gezeigt. Geb\u00fchren- und Provisionsertr\u00e4ge werden auf der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Grundlage der in einem rechtskr\u00e4ftigen Vertrag mit einem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kunden festgelegten Gegenleistung bewertet, mit Ausnahme</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">von Betr\u00e4gen wie z.B. Steuern, die im Auftrag Dritter erhoben</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden. Die erhaltenen Gegenleistungen werden den separat</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">identifizierbaren Leistungsverpflichtungen in einem Vertrag</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">zugeordnet. Die Ber\u00fccksichtigung kann sowohl fixe als auch</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">variable Betr\u00e4ge umfassen. Die variable Verg\u00fctung umfasst</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Erstattungen, Rabatte, Leistungspr\u00e4mien und andere Betr\u00e4ge,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">die vom Eintreten oder Nichteintreten eines zuk\u00fcnftigen</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Ereignisses abh\u00e4ngig sind. Eine variable Gegenleistung, die von</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">einem ungewissen Ereignis abh\u00e4ngig ist, wird nur in dem</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Umfang erfasst, in dem es wahrscheinlich ist, dass eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">wesentliche Umkehrung der kumulierten Umsatzerl\u00f6se eines</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:92.39pt\">Auftrags nicht eintritt.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">In Note 4 wird eine Aufteilung der Provisionsertr\u00e4ge und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:211.25pt\">Aufwendungen auf die Gesch\u00e4ftsfelder dargestellt.</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Beschreibung der GuV-Posten</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Zinsertr\u00e4ge und Zinsaufwendungen</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Zinsertr\u00e4ge umfassen vor allem Zinsertr\u00e4ge aus Krediten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und Forderungen, festverzinslichen und nicht festverzinslichen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Wertpapieren und den Handelsaktiva. Des Weiteren werden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">hier laufende Ertr\u00e4ge aus Eigenkapitalinstrumenten, Aktien</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">sowie Geb\u00fchren und Provisionen mit zins\u00e4hnlichem Charakter</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ausgewiesen. In den Zinsertr\u00e4gen und Zinsaufwendungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden auch die effektivzinsm\u00e4\u00dfige Verteilung der Agios und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Disagios der Wertpapiere und Kredite und die Amortisierung</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">des Day 1 gains oder losses ausgewiesen. Ebenso wird der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Zinsanteil von zinstragenden Derivaten getrennt nach</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Aufwand und Ertrag erfasst. Negativzinsen aus Passivposten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:123.57pt\">werden ebenfalls hier erfasst.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Zinsaufwendungen beinhalten vor allem Zinsen f\u00fcr</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">sowie f\u00fcr begebene Schuldverschreibungen, Nachrangkapital</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und Erg\u00e4nzungskapital. Negativzinsen aus Aktivposten werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:89.55pt\">ebenfalls hier erfasst.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zinsertr\u00e4ge und Zinsaufwendungen aus Sicherungsderivaten,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">die zur Absicherung von Zinsrisiken eingesetzt werden und Teil</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">einer Sicherungsbeziehung gem\u00e4\u00df IAS 39 sind, werden in jener</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zeile ausgewiesen, in der die Zinsertr\u00e4ge und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zinsaufwendungen der gesicherten Grundgesch\u00e4fte dargestellt</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">werden. In F\u00e4llen, in welchen das Grundgesch\u00e4ft Zinsertr\u00e4ge</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(Zinsaufwendungen) generiert, wird der Zinsbeitrag der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Sicherungsderivate unter den Zinsertr\u00e4gen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">(Zinsaufwendungen) ausgewiesen, selbst wenn es sich um</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:209.32pt\">einen negativen Betrag (positiven Betrag) handelt.</span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zinsertr\u00e4ge und Zinsaufwendungen werden periodengerecht</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:49.02pt\">abgegrenzt.</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:220.87pt\">Details zum Nettozinsertrag sind in Note 3 enthalten.</span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Provisionsertr\u00e4ge und -aufwendungen</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Im Provisions\u00fcberschuss werden vor allem Ertr\u00e4ge und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Aufwendungen f\u00fcr Dienstleistungen des Zahlungsverkehrs, aus</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">dem Wertpapier- und Depotgesch\u00e4ft und aus dem</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kreditgesch\u00e4ft ausgewiesen. Die Ertr\u00e4ge und Aufwendungen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:258.52pt\">werden periodengerecht abgegrenzt. F\u00fcr Details siehe Note 4.</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Gewinne und Verluste aus finanziellen Verm\u00f6genswerten und </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Schulden</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Diese Position umfasst vor allem die Bewertung und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verkaufsgewinne bzw. Verkaufsverluste der Veranlagungen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">und Eigenen Emissionen, Verkaufsgewinne bzw. Verluste aus</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">notleidenden Krediten sowie das Ergebnis aus dem Handel mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Wertpapieren und Derivaten. Des Weiteren werden hier</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ineffizienzen aus Sicherungsgesch\u00e4ften und der Erfolgsbeitrag</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">aus der W\u00e4hrungsumrechnung ausgewiesen. Die Gewinne</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bzw. Verluste aus der Ausbuchung von finanziellen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verm\u00f6genswerten, die zu fortgef\u00fchrten Anschaffungskosten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bewertet werden, resultieren aus dem Verkauf von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Finanzinstrumenten an Dritte. In diesem Posten sind auch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Modifikationsgewinne und -verluste enthalten. F\u00fcr Details</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:54.82pt\">siehe Note 5.</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Sonstige betriebliche Ertr\u00e4ge und Aufwendungen</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Im Sonstigen betrieblichen Erfolg sind all jene Ertr\u00e4ge und</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Aufwendungen ausgewiesen, die nicht unmittelbar der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">laufenden Gesch\u00e4ftst\u00e4tigkeit zuzurechnen sind, wie</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">beispielsweise Ergebnisse aus dem Verkauf von Immobilien.</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Dar\u00fcber hinaus beinhaltet der Sonstige betriebliche Erfolg</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwendungen aus sonstigen Steuern, regulatorische</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Aufwendungen (Bankenabgabe und die Aufwendungen f\u00fcr das</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Einlagensicherungssystem und den Abwicklungsfonds), Ertr\u00e4ge</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">aus der Aufl\u00f6sung von sonstigen R\u00fcckstellungen,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Weiterverrechnungen von Aufwendungen an Kunden und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Konsolidierungsergebnisse aus Unternehmens-</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zusammenschl\u00fcssen mit den dazu geh\u00f6rigen Aufwendungen.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die j\u00e4hrliche IAS-40-Neubewertung wird je nach Auf- bzw.</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Abwertung erfolgswirksam in den sonstigen betrieblichen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:260.18pt\">Ertr\u00e4gen oder Aufwendungen erfasst. F\u00fcr Details siehe Note 6.</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Verwaltungsaufwand</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Im Verwaltungsaufwand sind auf die Berichtsperiode</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">abgegrenzte Personalaufwendungen und Sachaufwendungen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:177.79pt\">erfasst. Details werden in Note 7 erl\u00e4utert.</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Risikokosten</span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">In diesem Posten werden die Bildung und Aufl\u00f6sung von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Einzel- und Portfoliowertberichtigungen f\u00fcr Kredite,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Forderungen und kreditrisikobehaftete</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Eventualverbindlichkeiten sowie Ver\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">erwarteten Kreditverluste ausgewiesen. Weiters werden unter</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">diesem Posten Direktabschreibungen von Krediten und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Forderungen sowie Eing\u00e4nge aus abgeschriebenen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Forderungen gezeigt, die ausgebucht wurden. Des Weiteren</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beinhaltet dieser Posten alle Schadensf\u00e4lle aus operationellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:26.94pt\">Risiko.</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Ebenso werden hier Wertminderungen und Aufholungen von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wertminderungen von Sachanlagen, Immobilien und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">immateriellen Verm\u00f6genswerten gezeigt sowie</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:252.76pt\">Abschreibungen von Firmenwerten. F\u00fcr Details siehe Note 9.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Nettogewinne und -verluste aus Finanzinstrumenten</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Nettogewinne und -verluste aus Finanzinstrumenten umfassen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Ergebnisse aus der Bewertung zum beizulegenden Zeitwert,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Wertminderungen, Ver\u00e4u\u00dferungsgewinne und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wertaufholungen von Finanzinstrumenten und werden nach</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">den IFRS-9-Kategorien gegliedert. Die entsprechenden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Komponenten werden in den Erl\u00e4uterungen zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nettozinsertrag, zu den Gewinnen und Verlusten aus</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">finanziellen Verm\u00f6genswerten und Schulden und zu</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:244.74pt\">Risikokosten f\u00fcr jede einzelne IFRS-9-Kategorie dargestellt.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Kapitalflussrechnung</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die Kapitalflussrechnung gibt \u00fcber Stand und Entwicklung der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Zahlungsmittel des Konzerns Auskunft. Sie zeigt den</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Mittelzufluss und -abfluss, aufgeteilt in operative</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gesch\u00e4ftst\u00e4tigkeit, Investitionst\u00e4tigkeit und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Finanzierungst\u00e4tigkeit. Der ausgewiesene</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zahlungsmittelbestand umfasst Kassenbest\u00e4nde, Guthaben bei</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.5pt\">Zentralnotenbanken und Sichteinlagen bei Kreditinstituten.</span><span class=\"f charStyle-34546584 ps2536\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Finanzanlagen umfassen Schuldverschreibungen und andere</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">festverzinste Wertpapiere, die zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Anschaffungskosten oder zum beizulegenden Zeitwert \u00fcber</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:166.2pt\">das sonstige Ergebnis bewertet werden.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">F\u00fcr die BAWAG ist die Aussagef\u00e4higkeit der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kapitalflussrechnung als gering anzusehen. Die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kapitalflussrechnung ersetzt f\u00fcr die Gruppe weder die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Liquidit\u00e4ts- bzw. Finanzplanung noch wird sie als</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:140.44pt\">Steuerungsinstrument eingesetzt.</span><span class=\"f charStyle-34546584 ps2537\" style=\"width:2.36pt\"> </span></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Auswirkung der Anwendung ge\u00e4nderter bzw. neuer </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Standards</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Folgende neue Standards, \u00c4nderungen und Interpretationen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zu bereits bestehenden Standards sind erstmals f\u00fcr den</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:212.72pt\">Konzernabschluss 2025 verpflichtend anzuwenden:</span></div><div class=\"ps2555 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:279pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss118\"><div><div class=\"ps276 ss117\"><span class=\"f charStyle-9f85f029 ps36\">Standards/Ge\u00e4nderte Standards/Auslegung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2541 ss120\"><div><div class=\"ps40 ss119\"><span class=\"f charStyle-37455c2a ps2539\">Erstmalige <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss119\"><span class=\"f charStyle-37455c2a ps2540\">Anwendung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2544 ss120\"><div><div class=\"ps40 ss119\"><span class=\"f charStyle-37455c2a ps2542\">von der EU <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss119\"><span class=\"f charStyle-37455c2a ps2543\">\u00fcbernommen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2547 ss120\"><div><div class=\"ps40 ss119\"><span class=\"f charStyle-37455c2a ps2545\">Auswirkungen auf die <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss119\"><span class=\"f charStyle-37455c2a ps2546\">BAWAG</span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2548 ss121\"><div><div class=\"ps40 ss117\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderungen zu IAS 21 Auswirkungen von \u00c4nderungen der Wechselkurse: <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss117\"><span class=\"f charStyle-37455c2a ps36\">Mangel an Umtauschbarkeit (ver\u00f6ffentlicht am 15. August 2023)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2550 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2549\">1. J\u00e4nner 2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2552 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2551\">12. November 2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2554 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2553\">keine<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Folgende neue Standards, \u00c4nderungen und Interpretationen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zu bereits bestehenden Standards sind vom International</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Accounting Standards Board (IASB) beschlossen und von der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">EU \u00fcbernommen worden, jedoch f\u00fcr die Erstellung des</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps2560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">vorliegenden IFRS-Abschlusses zum 31. Dezember 2025 noch</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2561 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">nicht verpflichtend anzuwenden. Die BAWAG plant keine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vorzeitige Anwendung von Standards, die bereits von der EU</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">\u00fcbernommen wurden, jedoch nicht verpflichtend anzuwenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:19.87pt\">sind:</span></div><div class=\"ps2584 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:279pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss118\"><div><div class=\"ps276 ss117\"><span class=\"f charStyle-9f85f029 ps36\">Standards/Ge\u00e4nderte Standards/Auslegung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2541 ss122\"><div><div class=\"ps2566 ss119\"><span class=\"f charStyle-37455c2a ps2539\">Erstmalige <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss119\"><span class=\"f charStyle-37455c2a ps2540\">Anwendung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2544 ss122\"><div><div class=\"ps2566 ss119\"><span class=\"f charStyle-37455c2a ps2542\">von der EU <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss119\"><span class=\"f charStyle-37455c2a ps2543\">\u00fcbernommen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2547 ss122\"><div><div class=\"ps291 ss119\"><span class=\"f charStyle-37455c2a ps2568\">Erwartete <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss119\"><span class=\"f charStyle-37455c2a ps2545\">Auswirkungen auf die </span></div><div class=\"ps2567 ss119\"><span class=\"f charStyle-37455c2a ps2546\">BAWAG</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1334 ss123\"><div><div class=\"ps624 ss117\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderungen zu IFRS 9 und IFRS 7: \u00c4nderungen an der Klassifizierung und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss117\"><span class=\"f charStyle-37455c2a ps36\">Bewertung von Finanzinstrumenten (ver\u00f6ffentlicht am 30. Mai 2024)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2569 ss124\"><div><div class=\"ps281 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2549\">1. J\u00e4nner 2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2571 ss124\"><div><div class=\"ps281 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2570\">27. Mai 2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2573 ss124\"><div><div class=\"ps281 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2572\">unwesentlich<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2574 ss121\"><div><div class=\"ps40 ss117\"><span class=\"f charStyle-37455c2a ps36\">J\u00e4hrliche Verbesserungen an den IFRS Rechnungslegungsstandards \u2014 Band 11 <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss117\"><span class=\"f charStyle-37455c2a ps36\">(ver\u00f6ffentlicht am 18. Juli 2024)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2575 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2549\">1. J\u00e4nner 2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2577 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2576\">9. Juli 2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2578 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2572\">unwesentlich<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2579 ss121\"><div><div class=\"ps40 ss117\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderungen zu IFRS 9 und IFRS 7: Vertr\u00e4ge mit Bezug auf naturabh\u00e4ngige <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss117\"><span class=\"f charStyle-37455c2a ps36\">Elektrizit\u00e4t (ver\u00f6ffentlicht am 18. Dezember 2024)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2580 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2549\">1. J\u00e4nner 2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2582 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2581\">30. Juni 2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2583 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2553\">keine<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2585 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die folgenden vom International Accounting Standards Board</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2586 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">(IASB) beschlossenen Standards und \u00c4nderungen wurden von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2587 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">der EU noch nicht \u00fcbernommen. Die BAWAG plant keine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2588 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:95.64pt\">vorzeitige Anwendung:</span></div><div class=\"ps2598 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:276.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss126\"><div><div class=\"ps276 ss125\"><span class=\"f charStyle-9f85f029 ps36\">Standard/Auslegung/Anpassung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2590 ss128\"><div><div class=\"ps281 ss127\"><span class=\"f charStyle-37455c2a ps2589\">Erwartete Auswirkungen auf BAWAG <span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss129\"><div><div class=\"ps624 ss125\"><span class=\"f charStyle-37455c2a ps36\">IFRS 18 Darstellung und Angaben im Abschluss<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss125\"><span class=\"f charStyle-37455c2a ps36\">(ver\u00f6ffentlicht am 9. April 2024)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2592 ss128\"><div><div class=\"ps281 ss127\"><span class=\"f charStyle-cc1eb9a4 ps2591\">wesentlich<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2242 ss129\"><div><div class=\"ps624 ss125\"><span class=\"f charStyle-37455c2a ps36\">IFRS 19 Tochterunternehmen ohne \u00f6ffentliche Rechenschaftspflicht: <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss125\"><span class=\"f charStyle-37455c2a ps36\">Angaben (ver\u00f6ffentlicht am 9. Mai 2024)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2594 ss128\"><div><div class=\"ps281 ss127\"><span class=\"f charStyle-cc1eb9a4 ps2593\">keine<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2243 ss129\" style=\"overflow:hidden\"><div><div class=\"ps2595 ss125\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderungen zu IAS 21 Auswirkungen von \u00c4nderungen der Wechselkurse: <span class=\"f ps37\"> </span></span></div><div class=\"ps624 ss125\"><span class=\"f charStyle-37455c2a ps36\">Umrechnung in eine hochinflation\u00e4re Darstellungsw\u00e4hrung </span></div><div class=\"ps281 ss125\"><span class=\"f charStyle-37455c2a ps36\">(ver\u00f6ffentlicht am 13. November 2025)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2596 ss128\"><div><div class=\"ps281 ss127\"><span class=\"f charStyle-cc1eb9a4 ps2593\">keine<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1823 ss129\"><div><div class=\"ps624 ss125\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderungen zu IFRS 19 Tochterunternehmen ohne \u00f6ffentliche <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss125\"><span class=\"f charStyle-37455c2a ps36\">Rechenschaftspflicht: Angaben (ver\u00f6ffentlicht am 21. August 2025)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2597 ss128\"><div><div class=\"ps281 ss127\"><span class=\"f charStyle-cc1eb9a4 ps2593\">keine<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">IFRS 18, der IAS 1 Darstellung des Abschlusses ersetzen wird,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">beinhaltet neue Regelungen zur Struktur der Gewinn- und</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verlustrechnung und neue Anforderungen zur</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ver\u00f6ffentlichung zu von der Unternehmensleitung definierten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Erfolgskennzahlen, sogenannten \u201eManagement-defined</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Performance Measures\u201c (MPMs). Der neue Standard tritt f\u00fcr</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Gesch\u00e4ftsjahre in Kraft, die am oder nach dem 1. Januar 2027</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">beginnen. Die BAWAG \u00fcberpr\u00fcft zurzeit den Einfluss der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Anforderungen des IFRS 18 auf die Struktur der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Berichterstattung, geht aber von wesentlichen Auswirkungen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps185\" style=\"width:16.87pt\">aus.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMaterialAccountingPolicyInformationExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-626": {
   "value": "<div class=\"ps991 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:19.43pt\">Die </span><span class=\"f charStyle-34546584 ps2388\" style=\"width:5.53pt\">B</span><span class=\"f charStyle-34546584 ps2389\" style=\"width:76.92pt\">AWAG Group AG</span><span class=\"f charStyle-34546584 ps2390\" style=\"width:160.16pt\"> ist die oberste Konzernmutter der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps992 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:65.85pt\">BAWAG Group</span><span class=\"f charStyle-34546584 ps2391\" style=\"width:196.2pt\">. Die BAWAG P.S.K. Bank f\u00fcr Arbeit und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps993 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wirtschaft und \u00d6sterreichische Postsparkasse</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps994 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:75.66pt\">Aktiengesellschaft</span><span class=\"f charStyle-34546584 ps2392\" style=\"width:186.4pt\"> (BAWAG P.S.K. AG), ein</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps995 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Tochterunternehmen der BAWAG Group AG, ist eine</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps996 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:70.22pt\">\u00f6sterreichische </span><span class=\"f charStyle-34546584 ps2393\" style=\"width:191.79pt\">Bank, deren operatives Gesch\u00e4ft sich auf</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps997 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:43.53pt\">\u00d6sterreich</span><span class=\"f charStyle-34546584 ps2394\" style=\"width:2.92pt\"> </span><span class=\"f charStyle-34546584 ps2395\" style=\"width:215.58pt\">konzentriert, wobei die Bank auch in ausgew\u00e4hlten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1630 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:142.03pt\">internationalen M\u00e4rkten t\u00e4tig ist.</span><span class=\"f charStyle-34546584 ps2396\" style=\"width:120pt\"> Der Sitz der BAWAG Group</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps998 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:80.7pt\">AG befindet sich in </span><span class=\"f charStyle-34546584 ps2397\" style=\"width:23pt\">1100 </span><span class=\"f charStyle-34546584 ps2398\" style=\"width:21.8pt\">Wien</span><span class=\"f charStyle-34546584 ps2399\" style=\"width:82.02pt\">, Wiedner G\u00fcrtel 11</span><span class=\"f charStyle-34546584 ps2400\" style=\"width:2.62pt\">.</span></div><div class=\"ps1000 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Konzernabschluss wurde in Anwendung des \u00a7\u00a059a BWG</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1001 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">iVm \u00a7\u00a0245a UGB und in Einklang mit der EG-Verordnung Nr.</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps1002 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">1606/2002 des Europ\u00e4ischen Parlaments und des Rates vom</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1003 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">19. Juli 2002 nach den vom International Accounting Standards</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1004 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Board (IASB) herausgegebenen International Financial</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1005 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Reporting Standards (IFRS) sowie den Interpretationen des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1006 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">IFRS Interpretations Committee (IFRIC/SIC) erstellt. Alle vom</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1007 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">IASB in den International Financial Reporting Standards f\u00fcr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1008 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">den Konzernabschluss zum 31. Dezember 2025 anwendbaren</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1009 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">und ver\u00f6ffentlichten Standards, die von der EU \u00fcbernommen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1010 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.44pt\">wurden, wurden angewendet.</span></div><div class=\"ps2401 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Grundlage des vorliegenden Konzernabschlusses der BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1012 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">nach IFRS bilden konzerneinheitlich nach IFRS aufgestellte</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1013 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Einzelabschl\u00fcsse zum 31. Dezember 2025 aller</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1014 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vollkonsolidierten Unternehmen. Assoziierte Unternehmen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1015 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden at-equity einbezogen. Der Grundsatz der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1016 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:150.16pt\">Wesentlichkeit wird dabei beachtet.</span></div><div class=\"ps1018 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Erstellung eines Konzernabschlusses gem\u00e4\u00df IFRS erfordert<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps1019 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Annahmen und Sch\u00e4tzungen \u00fcber wesentliche Einflussfaktoren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1020 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">auf den Gesch\u00e4ftsbetrieb. Diese Annahmen werden laufend</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1021 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">\u00fcberpr\u00fcft und angepasst. Anpassungen werden jeweils in der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1022 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">aktuellen Periode bzw. bei l\u00e4ngerfristigen Auswirkungen auch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1023 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:180.4pt\">in den zuk\u00fcnftigen Perioden ber\u00fccksichtigt.</span></div><div class=\"ps1025 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die bei der Erstellung des Konzernabschlusses angewandten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1026 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bilanzierungsmethoden stimmen mit jenen des Konzern-</span></div><div class=\"ps1027 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:215.1pt\">Jahresabschlusses zum 31. Dezember 2024 \u00fcberein.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die Berichtsw\u00e4hrung ist Euro. Sofern nicht anders angegeben,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">werden die Zahlen auf Millionen Euro gerundet dargestellt. Die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">nachstehend angef\u00fchrten Tabellen k\u00f6nnen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:133.99pt\">Rundungsdifferenzen enthalten.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Auf Fremdw\u00e4hrung lautende monet\u00e4re Bilanzwerte wurden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:230.37pt\">zum Devisenmittelkurs am Bilanzstichtag umgerechnet.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralInformationAboutFinancialStatementsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-627": {
   "value": "BAWAG Group AG",
   "dimensions": {
    "concept": "ifrs-full:NameOfUltimateParentOfGroup",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-628": {
   "value": "BAWAG Group AG",
   "dimensions": {
    "concept": "ifrs-full:NameOfParentEntity",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-629": {
   "value": "BAWAG Group",
   "dimensions": {
    "concept": "ifrs-full:NameOfReportingEntityOrOtherMeansOfIdentification",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-630": {
   "value": "Aktiengesellschaft",
   "dimensions": {
    "concept": "ifrs-full:LegalFormOfEntity",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-631": {
   "value": "Bank, deren operatives Gesch\u00e4ft sich auf \u00d6sterreich konzentriert, wobei die Bank auch in ausgew\u00e4hlten internationalen M\u00e4rkten t\u00e4tig ist.",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfNatureOfEntitysOperationsAndPrincipalActivities",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-632": {
   "value": "\u00d6sterreich",
   "dimensions": {
    "concept": "ifrs-full:CountryOfIncorporation",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-633": {
   "value": "\u00d6sterreich",
   "dimensions": {
    "concept": "ifrs-full:DomicileOfEntity",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-634": {
   "value": "1100 Wien, Wiedner G\u00fcrtel 11",
   "dimensions": {
    "concept": "ifrs-full:AddressOfRegisteredOfficeOfEntity",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-635": {
   "value": "Wien",
   "dimensions": {
    "concept": "ifrs-full:PrincipalPlaceOfBusiness",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-636": {
   "value": "<div class=\"ps1000 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Konzernabschluss wurde in Anwendung des \u00a7\u00a059a BWG</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1001 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">iVm \u00a7\u00a0245a UGB und in Einklang mit der EG-Verordnung Nr.</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps1002 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">1606/2002 des Europ\u00e4ischen Parlaments und des Rates vom</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1003 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">19. Juli 2002 nach den vom International Accounting Standards</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1004 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Board (IASB) herausgegebenen International Financial</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1005 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Reporting Standards (IFRS) sowie den Interpretationen des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1006 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">IFRS Interpretations Committee (IFRIC/SIC) erstellt. Alle vom</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1007 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">IASB in den International Financial Reporting Standards f\u00fcr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1008 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">den Konzernabschluss zum 31. Dezember 2025 anwendbaren</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1009 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">und ver\u00f6ffentlichten Standards, die von der EU \u00fcbernommen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1010 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.44pt\">wurden, wurden angewendet.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:StatementOfIFRSCompliance",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-638": {
   "value": "<div class=\"ps2401 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Grundlage des vorliegenden Konzernabschlusses der BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1012 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">nach IFRS bilden konzerneinheitlich nach IFRS aufgestellte</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1013 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Einzelabschl\u00fcsse zum 31. Dezember 2025 aller</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1014 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vollkonsolidierten Unternehmen. Assoziierte Unternehmen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1015 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden at-equity einbezogen. Der Grundsatz der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1016 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:150.16pt\">Wesentlichkeit wird dabei beachtet.</span></div><div class=\"ps2402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps185\">Konsolidierungskreis und -methoden</span></div><div class=\"ps1052 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Der Konsolidierungskreis umfasst alle wesentlichen \u2013 direkten</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1053 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:214.02pt\">und indirekten \u2013 Tochterunternehmen der BAWAG.</span></div><div class=\"ps1055 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Insgesamt umfasst der Konzernabschluss zum 31. Dezember</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1056 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">2025 48 (2024: 43) vollkonsolidierte Unternehmen und 3</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(2024: 2) Unternehmen, die at-equity einbezogen werden, im</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1059 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:67.73pt\">In- und Ausland.</span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kriterien f\u00fcr die Einbeziehung waren sowohl die Bilanzsumme</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">als auch der Anteil am Gesamtergebnis des Konzerns. Der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Einfluss der nicht konsolidierten Tochterunternehmen auf die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Verm\u00f6gens-, Finanz- und Ertragslage des Konzerns ist von</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">untergeordneter Bedeutung. Unter Note 49 \u201eListe</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">konsolidierter Tochterunternehmen\u201c befindet sich eine</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Aufstellung aller vollkonsolidierten bzw. at-equity bewerteten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:60.84pt\">Unternehmen.</span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Der Buchwert der assoziierten, nicht at-equity bewerteten</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Beteiligungen betrug am 31. Dezember 2025 0\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">0\u00a0Mio.\u00a0\u20ac). Beherrschte Unternehmen mit einem Buchwert in</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">H\u00f6he von 7\u00a0Mio.\u00a0\u20ac (2024: 9\u00a0Mio.\u00a0\u20ac) werden nicht konsolidiert,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">da der Einfluss auf die Verm\u00f6gens-, Finanz- und Ertragslage</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:70.15pt\">unwesentlich ist.</span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Details zum Konsolidierungskreis und zu wesentlichen<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">\u00c4nderungen im Beteiligungsportfolio werden in den Notes 49</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:78.14pt\">und 50 dargestellt.<span class=\"f ps37\"> </span></span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">F\u00fcr Unternehmenszusammenschl\u00fcsse wird nach IFRS 3 die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Erwerbsmethode herangezogen. Dabei werden die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Anschaffungskosten f\u00fcr das erworbene Unternehmen dem</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Wert des \u00fcbernommenen Reinverm\u00f6gens im Erwerbszeitpunkt</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">gegen\u00fcbergestellt. Die Bewertung des Reinverm\u00f6gens richtet</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">sich nach den beizulegenden Zeitwerten aller identifizierbaren</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verm\u00f6genswerte, Schulden und Eventualschulden zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:75.51pt\">Erwerbszeitpunkt.</span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Konzerninterne Forderungen und Verbindlichkeiten,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Aufwendungen und Ertr\u00e4ge sowie Zwischengewinne werden</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">eliminiert, soweit sie nicht von untergeordneter Bedeutung</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:19.72pt\">sind.</span></div><div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Firmenwerte in H\u00f6he von 117\u00a0Mio.\u00a0\u20ac (2024: 119\u00a0Mio.\u00a0\u20ac)</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden in der Bilanz unter der Position \u201eGesch\u00e4fts- und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Firmenwerte\u201c ausgewiesen. Entsprechend IFRS 3 iVm IAS 36</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2404 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">und IAS 38 wird f\u00fcr alle Zahlungsmittel generierenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Einheiten (CGUs, cash generating units) eine \u00dcberpr\u00fcfung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Werthaltigkeit der aktivierten Firmenwerte durch einen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">j\u00e4hrlichen Werthaltigkeitstest (Impairmenttest) nach Ma\u00dfgabe</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:102.32pt\">des IAS 36 durchgef\u00fchrt.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Der Firmenwert-Impairmenttest wird unter Anwendung des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:239.91pt\">Value in Use f\u00fcr die betreffenden Einheiten durchgef\u00fchrt.</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Aktuell besteht ein Goodwill bei easybank Franchise \u00d6sterreich</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">(59\u00a0Mio.\u00a0\u20ac; 2024: 59\u00a0Mio.\u00a0\u20ac), Zahn\u00e4rztekasse AG (24\u00a0Mio.\u00a0\u20ac;</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">2024: 24\u00a0Mio.\u00a0\u20ac), Idaho First Bank (18 Mio. \u20ac; 2024: 20 Mio. \u20ac),</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Health Coevo AG (15\u00a0Mio.\u00a0\u20ac; 2024: 15\u00a0Mio.\u00a0\u20ac) und Brokerage</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Business \u00d6sterreich (1\u00a0Mio.\u00a0\u20ac; 2024: 1\u00a0Mio.\u00a0\u20ac), wobei diese die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">kleinsten CGUs darstellen, denen ein Goodwill zugeordnet</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">werden kann. Weitere Details zu den at-equity einbezogenen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:243.79pt\">Gesellschaften werden in Note 36 und Note 52 dargestellt.</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Das Kundengesch\u00e4ft aller Einheiten mit einem Firmenwert ist</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:133.11pt\">Teil des Segments Retail &amp; SME.</span><span class=\"f charStyle-34546584 ps2406\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Weiters wurden alle at-equity konsolidierten Beteiligungen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">untersucht, ob Indikatoren f\u00fcr eine dauerhafte oder</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wesentliche Wertminderung vorliegen. Sofern aufgrund der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Indikatoren erforderlich, wurden Werthaltigkeitstests</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">durchgef\u00fchrt. Weitere Details werden im entsprechenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:124.9pt\">Kapitel der Note 1 dargestellt.</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Jene Eigenkapitalinstrumente, die nicht konsolidiert wurden,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden gem\u00e4\u00df IFRS 9 bewertet und der Kategorie \u201eIm</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">bewertete finanzielle Verm\u00f6genswerte\u201c oder \u201eErfolgswirksam</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zum beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verm\u00f6genswerte\u201c zugeordnet. Weitere Details werden in Note</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:59.73pt\">50 dargestellt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfConsolidationExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-637": {
   "value": "<div class=\"ps2401 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Grundlage des vorliegenden Konzernabschlusses der BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1012 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">nach IFRS bilden konzerneinheitlich nach IFRS aufgestellte</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1013 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Einzelabschl\u00fcsse zum 31. Dezember 2025 aller</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1014 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vollkonsolidierten Unternehmen. Assoziierte Unternehmen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1015 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden at-equity einbezogen. Der Grundsatz der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1016 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:150.16pt\">Wesentlichkeit wird dabei beachtet.</span></div><div class=\"ps2402 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps185\">Konsolidierungskreis und -methoden</span></div><div class=\"ps1052 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Der Konsolidierungskreis umfasst alle wesentlichen \u2013 direkten</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1053 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:214.02pt\">und indirekten \u2013 Tochterunternehmen der BAWAG.</span></div><div class=\"ps1055 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Insgesamt umfasst der Konzernabschluss zum 31. Dezember</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1056 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">2025 48 (2024: 43) vollkonsolidierte Unternehmen und 3</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(2024: 2) Unternehmen, die at-equity einbezogen werden, im</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1059 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:67.73pt\">In- und Ausland.</span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kriterien f\u00fcr die Einbeziehung waren sowohl die Bilanzsumme</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">als auch der Anteil am Gesamtergebnis des Konzerns. Der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Einfluss der nicht konsolidierten Tochterunternehmen auf die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Verm\u00f6gens-, Finanz- und Ertragslage des Konzerns ist von</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">untergeordneter Bedeutung. Unter Note 49 \u201eListe</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">konsolidierter Tochterunternehmen\u201c befindet sich eine</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Aufstellung aller vollkonsolidierten bzw. at-equity bewerteten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:60.84pt\">Unternehmen.</span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Der Buchwert der assoziierten, nicht at-equity bewerteten</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Beteiligungen betrug am 31. Dezember 2025 0\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">0\u00a0Mio.\u00a0\u20ac). Beherrschte Unternehmen mit einem Buchwert in</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">H\u00f6he von 7\u00a0Mio.\u00a0\u20ac (2024: 9\u00a0Mio.\u00a0\u20ac) werden nicht konsolidiert,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">da der Einfluss auf die Verm\u00f6gens-, Finanz- und Ertragslage</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:70.15pt\">unwesentlich ist.</span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Details zum Konsolidierungskreis und zu wesentlichen<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">\u00c4nderungen im Beteiligungsportfolio werden in den Notes 49</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:78.14pt\">und 50 dargestellt.<span class=\"f ps37\"> </span></span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">F\u00fcr Unternehmenszusammenschl\u00fcsse wird nach IFRS 3 die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Erwerbsmethode herangezogen. Dabei werden die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Anschaffungskosten f\u00fcr das erworbene Unternehmen dem</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Wert des \u00fcbernommenen Reinverm\u00f6gens im Erwerbszeitpunkt</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">gegen\u00fcbergestellt. Die Bewertung des Reinverm\u00f6gens richtet</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">sich nach den beizulegenden Zeitwerten aller identifizierbaren</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verm\u00f6genswerte, Schulden und Eventualschulden zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:75.51pt\">Erwerbszeitpunkt.</span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Konzerninterne Forderungen und Verbindlichkeiten,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Aufwendungen und Ertr\u00e4ge sowie Zwischengewinne werden</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">eliminiert, soweit sie nicht von untergeordneter Bedeutung</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:19.72pt\">sind.</span></div><div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Firmenwerte in H\u00f6he von 117\u00a0Mio.\u00a0\u20ac (2024: 119\u00a0Mio.\u00a0\u20ac)</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden in der Bilanz unter der Position \u201eGesch\u00e4fts- und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Firmenwerte\u201c ausgewiesen. Entsprechend IFRS 3 iVm IAS 36</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2404 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">und IAS 38 wird f\u00fcr alle Zahlungsmittel generierenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Einheiten (CGUs, cash generating units) eine \u00dcberpr\u00fcfung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Werthaltigkeit der aktivierten Firmenwerte durch einen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">j\u00e4hrlichen Werthaltigkeitstest (Impairmenttest) nach Ma\u00dfgabe</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:102.32pt\">des IAS 36 durchgef\u00fchrt.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Der Firmenwert-Impairmenttest wird unter Anwendung des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:239.91pt\">Value in Use f\u00fcr die betreffenden Einheiten durchgef\u00fchrt.</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Aktuell besteht ein Goodwill bei easybank Franchise \u00d6sterreich</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">(59\u00a0Mio.\u00a0\u20ac; 2024: 59\u00a0Mio.\u00a0\u20ac), Zahn\u00e4rztekasse AG (24\u00a0Mio.\u00a0\u20ac;</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">2024: 24\u00a0Mio.\u00a0\u20ac), Idaho First Bank (18 Mio. \u20ac; 2024: 20 Mio. \u20ac),</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Health Coevo AG (15\u00a0Mio.\u00a0\u20ac; 2024: 15\u00a0Mio.\u00a0\u20ac) und Brokerage</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Business \u00d6sterreich (1\u00a0Mio.\u00a0\u20ac; 2024: 1\u00a0Mio.\u00a0\u20ac), wobei diese die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">kleinsten CGUs darstellen, denen ein Goodwill zugeordnet</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">werden kann. Weitere Details zu den at-equity einbezogenen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:243.79pt\">Gesellschaften werden in Note 36 und Note 52 dargestellt.</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Das Kundengesch\u00e4ft aller Einheiten mit einem Firmenwert ist</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:133.11pt\">Teil des Segments Retail &amp; SME.</span><span class=\"f charStyle-34546584 ps2406\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Weiters wurden alle at-equity konsolidierten Beteiligungen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">untersucht, ob Indikatoren f\u00fcr eine dauerhafte oder</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wesentliche Wertminderung vorliegen. Sofern aufgrund der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Indikatoren erforderlich, wurden Werthaltigkeitstests</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">durchgef\u00fchrt. Weitere Details werden im entsprechenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:124.9pt\">Kapitel der Note 1 dargestellt.</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Jene Eigenkapitalinstrumente, die nicht konsolidiert wurden,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden gem\u00e4\u00df IFRS 9 bewertet und der Kategorie \u201eIm</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">bewertete finanzielle Verm\u00f6genswerte\u201c oder \u201eErfolgswirksam</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zum beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verm\u00f6genswerte\u201c zugeordnet. Weitere Details werden in Note</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:59.73pt\">50 dargestellt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBasisOfPreparationOfFinancialStatementsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-639": {
   "value": "<div class=\"ps1018 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Erstellung eines Konzernabschlusses gem\u00e4\u00df IFRS erfordert<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps1019 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Annahmen und Sch\u00e4tzungen \u00fcber wesentliche Einflussfaktoren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1020 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">auf den Gesch\u00e4ftsbetrieb. Diese Annahmen werden laufend</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1021 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">\u00fcberpr\u00fcft und angepasst. Anpassungen werden jeweils in der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1022 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">aktuellen Periode bzw. bei l\u00e4ngerfristigen Auswirkungen auch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1023 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:180.4pt\">in den zuk\u00fcnftigen Perioden ber\u00fccksichtigt.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Ermessensaus\u00fcbung und Sch\u00e4tzunsicherheiten</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Der Konzernabschluss enth\u00e4lt Werte, die zul\u00e4ssigerweise unter</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verwendung von Sch\u00e4tzungen und Annahmen ermittelt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">wurden. Die verwendeten Sch\u00e4tzungen und Annahmen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">basieren auf Erfahrungen und anderen Faktoren wie</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Planungen, Erwartungen und Prognosen zuk\u00fcnftiger Ereignisse</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">auf Basis des derzeitigen Wissensstandes. Die Sch\u00e4tzungen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">und Beurteilungen selbst sowie die zugrunde liegenden</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Beurteilungsfaktoren und Sch\u00e4tzverfahren werden regelm\u00e4\u00dfig</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u00fcberpr\u00fcft und mit den tats\u00e4chlich eingetretenen Ereignissen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">abgeglichen. In Bezug auf die aktuelle geopolitische Lage</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:210.67pt\">verweisen wir auf den Aufz\u00e4hlungspunkt zu IFRS 9.</span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Einen wesentlichen Einfluss auf die Ergebnisse haben die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Bewertung von Finanzinstrumenten und die damit</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">verbundenen Einsch\u00e4tzungen der Bewertungsparameter, vor</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">allem zur zuk\u00fcnftigen Zinsentwicklung. Die von der Bank</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">verwendeten Parameter leiten sich im Wesentlichen aus den</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:186.95pt\">aktuellen Marktkonditionen zum Stichtag ab.</span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">F\u00fcr die Ermittlung von Fair Values f\u00fcr finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verm\u00f6genswerte und Verbindlichkeiten, die nicht auf einem</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">aktiven Markt gehandelt sind (Level 2, Level 3), werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Bewertungsmodelle herangezogen. Zur Ermittlung des</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">beizulegenden Zeitwerts von Finanzinstrumenten, die selten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gehandelt werden, sind Sch\u00e4tzungen in unterschiedlichem</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ma\u00df erforderlich, abh\u00e4ngig von der Liquidit\u00e4t, der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Unsicherheit der Marktfaktoren, Preisannahmen und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">sonstigen gesch\u00e4ftsspezifischen Risiken. Details zu den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Bewertungsmodellen und Sch\u00e4tzunsicherheiten bei nicht</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">beobachtbaren Inputfaktoren befinden sich in Note 1</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Bilanzierungs- und Bewertungsmethoden und in Note 34 Fair</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:26.09pt\">Value.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Die Beurteilung der Einbringlichkeit von langfristigen Krediten</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">beruht auf Einsch\u00e4tzungen \u00fcber die zuk\u00fcnftigen Cashflows des</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kreditnehmers, m\u00f6gliche Wertminderungen von Krediten und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">die Bildung von R\u00fcckstellungen f\u00fcr au\u00dferbilanzielle</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verpflichtungen im Kreditgesch\u00e4ft. Im Hinblick auf die aktuelle</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">geopolitische Lage (Konflikte in der Ukraine, im Nahen Osten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">und in S\u00fcdostasien, sowie auch generell hinsichtlich der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">k\u00fcnftigen Dynamik der internationalen Klimapolitik) sind</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Einsch\u00e4tzungen hinsichtlich der Bewertung einzelner</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">finanzieller Verm\u00f6genswerte, der Festlegung der Transferlogik</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">von Finanzinstrumenten von Stage 1 zu Stage 2,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">makro\u00f6konomischer Annahmen zur Festlegung der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zukunftsgerichteten Informationen im Zuge der Kalkulation</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der erwarteten Kreditverluste sowie der Annahmen \u00fcber die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">erwarteten Cashflows f\u00fcr ausfallgef\u00e4hrdete Kredite basierend</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">auf den aktuellsten uns vorliegenden Beobachtungen. Die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">langfristigen Auswirkungen der aktuellen geopolitischen Lage</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">auf die wirtschaftliche Entwicklung, die Entwicklung des</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Arbeitsmarktes und anderer branchenspezifischer M\u00e4rkte</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">k\u00f6nnen sich im Nachhinein als \u00fcber- oder untersch\u00e4tzt</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:40.4pt\">erweisen.</span><span class=\"f charStyle-34546584 ps2408\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Die Bank kann mit Auswirkungen konfrontiert werden, die sich</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">aus ver\u00e4nderten Klimabedingungen ergeben und sich auf das</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Kreditportfolio oder etwaige Sicherheiten auswirken k\u00f6nnen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(z.B. durch \u00dcberschwemmungen). Weitere ESG-Risiken</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">betreffen unter anderem \u00c4nderungen im Kundenverhalten,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">\u00c4nderungen in der einschl\u00e4gigen Gesetzgebung usw. ESG-</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Risiken k\u00f6nnen Auswirkungen auf Planungsannahmen f\u00fcr</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Werthaltigkeitstests und die Bewertung von Sicherheiten und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Finanzinstrumenten haben. Die Analyse und \u00dcberwachung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">dieser Risiken ist ein laufender Prozess. F\u00fcr weitere</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Informationen zu ESG-Risiken verweisen wir auf den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:56.44pt\">Risikobericht.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Beurteilung der Werthaltigkeit von Zahlungsmittel</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">generierenden Einheiten (CGUs) basiert auf</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Planungsrechnungen. Diese spiegeln naturgem\u00e4\u00df eine</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Einsch\u00e4tzung des Managements wider, die einer gewissen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Sch\u00e4tzunsicherheit unterworfen ist. Details zum</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wertminderungstest sowie zur Analyse der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Sch\u00e4tzungsunsicherheit bei der Bestimmung des Firmenwertes</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">befinden sich in Note 1 Bilanzierungs- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bewertungsmethoden und in Note 19 Gesch\u00e4fts- und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:189.79pt\">andere immaterielle Verm\u00f6gensgegenst\u00e4nde.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Der Konzern verwendet f\u00fcr die Bestimmung der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">auszuweisenden Betr\u00e4ge latenter Steuerforderungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">historische Erkenntnisse zu Verwertungsm\u00f6glichkeiten von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">steuerlichen Verlustvortr\u00e4gen und prognostizierte</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gesch\u00e4ftsergebnisse auf Basis der vom Management der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Tochtergesellschaften erstellten Mehrjahresplanung und des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">genehmigten Budgets f\u00fcr die Folgeperiode einschlie\u00dflich</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Steuerplanung. Regelm\u00e4\u00dfig werden die Einsch\u00e4tzungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">hinsichtlich der latenten Steuerforderungen einschlie\u00dflich der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Annahmen des Konzerns \u00fcber die zuk\u00fcnftige Ertragskraft einer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Neubewertung unterzogen. Details zu den latenten Steuern</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">befinden sich in Note 1 Bilanzierungs- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bewertungsmethoden und in Note 20 Saldierter aktiver/</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:160.62pt\">passiver Bilanzansatz latenter Steuern.</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die Bewertung der Pensionsverpflichtungen beruht auf dem</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Anwartschaftsbarwertverfahren. Bei der Bewertung dieser</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verpflichtungen sind insbesondere Annahmen \u00fcber den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">langfristigen Gehalts- und Pensionsentwicklungstrend sowie</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">die zuk\u00fcnftigen Sterberaten zu treffen. Ver\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sch\u00e4tzannahmen von Jahr zu Jahr sowie Abweichungen zu den</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">tats\u00e4chlichen Jahreseffekten sind in den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">versicherungsmathematischen Gewinnen und Verlusten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">abgebildet (siehe Note 1 Bilanzierungs- und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:98.27pt\">Bewertungsmethoden).</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Des Weiteren unterliegen folgende Sachverhalte der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:151.95pt\">Beurteilung durch das Management:</span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Werthaltigkeit von immateriellen Verm\u00f6genswerten (Note</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:16.04pt\">19),</span></div><div class=\"ps1521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">die Bildung von R\u00fcckstellungen f\u00fcr ungewisse</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:69.32pt\">Verpflichtungen,</span><span class=\"f charStyle-34546584 ps2409\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">die Beurteilung von rechtlichen Risiken und Ausgang von</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Gerichtsverhandlungen, h\u00f6chstgerichtlichen</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Entscheidungen und aufsichtsbeh\u00f6rdlichen \u00dcberpr\u00fcfungen</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:207.67pt\">sowie die Bildung diesbez\u00fcglicher R\u00fcckstellungen,</span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">die Beurteilung der Laufzeit bei der Anwendung des</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:112.26pt\">IFRS-16-Leasing-Standards,</span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">die Beurteilung, bei welchen Unternehmen es sich um</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">strukturierte Unternehmen handelt und welches</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Engagement bei solchen Unternehmen auch tats\u00e4chlich</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:131.38pt\">einen Anteil darstellt (Note 53).</span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">IFRS 9: Die Beurteilung des SPPI-Kriteriums kann</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Ermessensentscheidungen erfordern, um sicherzustellen,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">dass finanzielle Verm\u00f6genswerte in die entsprechende</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:178.53pt\">Bewertungskategorie eingeordnet werden.</span><span class=\"f charStyle-34546584 ps2410\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">die Ermittlung der Fair Values von nicht b\u00f6rsenotierten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Finanzinstrumenten, bei denen einige f\u00fcr das</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Bewertungsmodell ben\u00f6tigte Paramater nicht am Markt</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps369\" style=\"width:112.62pt\">beobachtbar sind (Level 3).</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccountingJudgementsAndEstimatesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-640": {
   "value": "<div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die Berichtsw\u00e4hrung ist Euro. Sofern nicht anders angegeben,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">werden die Zahlen auf Millionen Euro gerundet dargestellt. Die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">nachstehend angef\u00fchrten Tabellen k\u00f6nnen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:133.99pt\">Rundungsdifferenzen enthalten.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFunctionalCurrencyExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-641": {
   "value": "<div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Auf Fremdw\u00e4hrung lautende monet\u00e4re Bilanzwerte wurden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:230.37pt\">zum Devisenmittelkurs am Bilanzstichtag umgerechnet.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForForeignCurrencyTranslationExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-643": {
   "value": "<div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">F\u00fcr Unternehmenszusammenschl\u00fcsse wird nach IFRS 3 die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Erwerbsmethode herangezogen. Dabei werden die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Anschaffungskosten f\u00fcr das erworbene Unternehmen dem</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Wert des \u00fcbernommenen Reinverm\u00f6gens im Erwerbszeitpunkt</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">gegen\u00fcbergestellt. Die Bewertung des Reinverm\u00f6gens richtet</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">sich nach den beizulegenden Zeitwerten aller identifizierbaren</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verm\u00f6genswerte, Schulden und Eventualschulden zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:75.51pt\">Erwerbszeitpunkt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-642": {
   "value": "<div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">F\u00fcr Unternehmenszusammenschl\u00fcsse wird nach IFRS 3 die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Erwerbsmethode herangezogen. Dabei werden die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Anschaffungskosten f\u00fcr das erworbene Unternehmen dem</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Wert des \u00fcbernommenen Reinverm\u00f6gens im Erwerbszeitpunkt</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">gegen\u00fcbergestellt. Die Bewertung des Reinverm\u00f6gens richtet</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">sich nach den beizulegenden Zeitwerten aller identifizierbaren</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verm\u00f6genswerte, Schulden und Eventualschulden zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:75.51pt\">Erwerbszeitpunkt.</span></div><div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Firmenwerte in H\u00f6he von 117\u00a0Mio.\u00a0\u20ac (2024: 119\u00a0Mio.\u00a0\u20ac)</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden in der Bilanz unter der Position \u201eGesch\u00e4fts- und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Firmenwerte\u201c ausgewiesen. Entsprechend IFRS 3 iVm IAS 36</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2404 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">und IAS 38 wird f\u00fcr alle Zahlungsmittel generierenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Einheiten (CGUs, cash generating units) eine \u00dcberpr\u00fcfung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Werthaltigkeit der aktivierten Firmenwerte durch einen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">j\u00e4hrlichen Werthaltigkeitstest (Impairmenttest) nach Ma\u00dfgabe</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:102.32pt\">des IAS 36 durchgef\u00fchrt.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Der Firmenwert-Impairmenttest wird unter Anwendung des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:239.91pt\">Value in Use f\u00fcr die betreffenden Einheiten durchgef\u00fchrt.</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Aktuell besteht ein Goodwill bei easybank Franchise \u00d6sterreich</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">(59\u00a0Mio.\u00a0\u20ac; 2024: 59\u00a0Mio.\u00a0\u20ac), Zahn\u00e4rztekasse AG (24\u00a0Mio.\u00a0\u20ac;</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">2024: 24\u00a0Mio.\u00a0\u20ac), Idaho First Bank (18 Mio. \u20ac; 2024: 20 Mio. \u20ac),</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Health Coevo AG (15\u00a0Mio.\u00a0\u20ac; 2024: 15\u00a0Mio.\u00a0\u20ac) und Brokerage</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Business \u00d6sterreich (1\u00a0Mio.\u00a0\u20ac; 2024: 1\u00a0Mio.\u00a0\u20ac), wobei diese die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">kleinsten CGUs darstellen, denen ein Goodwill zugeordnet</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">werden kann. Weitere Details zu den at-equity einbezogenen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:243.79pt\">Gesellschaften werden in Note 36 und Note 52 dargestellt.</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Das Kundengesch\u00e4ft aller Einheiten mit einem Firmenwert ist</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:133.11pt\">Teil des Segments Retail &amp; SME.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForBusinessCombinationsAndGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-645": {
   "value": "<div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Firmenwerte in H\u00f6he von 117\u00a0Mio.\u00a0\u20ac (2024: 119\u00a0Mio.\u00a0\u20ac)</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden in der Bilanz unter der Position \u201eGesch\u00e4fts- und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Firmenwerte\u201c ausgewiesen. Entsprechend IFRS 3 iVm IAS 36</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2404 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">und IAS 38 wird f\u00fcr alle Zahlungsmittel generierenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Einheiten (CGUs, cash generating units) eine \u00dcberpr\u00fcfung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Werthaltigkeit der aktivierten Firmenwerte durch einen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">j\u00e4hrlichen Werthaltigkeitstest (Impairmenttest) nach Ma\u00dfgabe</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:102.32pt\">des IAS 36 durchgef\u00fchrt.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Der Firmenwert-Impairmenttest wird unter Anwendung des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:239.91pt\">Value in Use f\u00fcr die betreffenden Einheiten durchgef\u00fchrt.</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Aktuell besteht ein Goodwill bei easybank Franchise \u00d6sterreich</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">(59\u00a0Mio.\u00a0\u20ac; 2024: 59\u00a0Mio.\u00a0\u20ac), Zahn\u00e4rztekasse AG (24\u00a0Mio.\u00a0\u20ac;</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">2024: 24\u00a0Mio.\u00a0\u20ac), Idaho First Bank (18 Mio. \u20ac; 2024: 20 Mio. \u20ac),</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Health Coevo AG (15\u00a0Mio.\u00a0\u20ac; 2024: 15\u00a0Mio.\u00a0\u20ac) und Brokerage</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Business \u00d6sterreich (1\u00a0Mio.\u00a0\u20ac; 2024: 1\u00a0Mio.\u00a0\u20ac), wobei diese die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">kleinsten CGUs darstellen, denen ein Goodwill zugeordnet</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">werden kann. Weitere Details zu den at-equity einbezogenen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:243.79pt\">Gesellschaften werden in Note 36 und Note 52 dargestellt.</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Das Kundengesch\u00e4ft aller Einheiten mit einem Firmenwert ist</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:133.11pt\">Teil des Segments Retail &amp; SME.</span><div class=\"ps255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Immaterielles Anlageverm\u00f6gen, Sachanlagen</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Unter den immateriellen Verm\u00f6genswerten werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">insbesondere erworbene Gesch\u00e4fts- und Firmenwerte und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">immaterielle Verm\u00f6genswerte wie Markennamen und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundenbeziehungen sowie sonstige erworbene oder selbst</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">erstellte immaterielle Verm\u00f6genswerte (vor allem Software)</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:114.66pt\">gem\u00e4\u00df IAS 38 ausgewiesen.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Immaterielle Verm\u00f6genswerte mit unbegrenzter</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Nutzungsdauer werden mit den Anschaffungskosten abz\u00fcglich</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertminderungen und zuz\u00fcglich Wertaufholungen angesetzt.</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Marken werden als immaterielle Verm\u00f6genswerte mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">unbestimmter Nutzungsdauer nicht abgeschrieben. Ein</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">immaterieller Verm\u00f6genswert hat eine unbestimmte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Nutzungsdauer, wenn keine rechtlichen, vertraglichen,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">regulatorischen oder weiteren die Nutzungsdauer</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">limitierenden Faktoren bestehen. Die Bilanzierung der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">immateriellen Verm\u00f6genswerte des Anlageverm\u00f6gens und des</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Sachanlageverm\u00f6gens mit begrenzter Nutzungsdauer erfolgt</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zu Anschaffungs- bzw. Herstellungskosten abz\u00fcglich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">planm\u00e4\u00dfiger, linearer Abschreibung und Wertminderungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">und zuz\u00fcglich Wertaufholungen. Die Abschreibungss\u00e4tze bei</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">den Geb\u00e4uden betragen 2,0% bis 14,3% (2024:\u00a02,0% bis</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">14,3%), bei der Betriebs- und Gesch\u00e4ftsausstattung reichen sie</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">von 5,0% bis 33,3% (2024: 2,0% bis 50,0%) und bei den</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nutzungsrechten nach IFRS 16 reichen sie von 5,0% bis 60,0%</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">(2024: 5,0% bis 36,4%). Die erworbene und selbst erstellte</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Software, andere immaterielle Verm\u00f6genswerte und Rechte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">(mit Ausnahme der Firmenwerte und des Markennamens)</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">werden mit 2,8% bis 33,3% (2024: 2,8% bis 33,3%)</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">abgeschrieben. Kundenbeziehungen werden linear \u00fcber</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">durchschnittlich 8\u201330 Jahre (2024: durchschnittlich 8\u201330</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Jahre) abgeschrieben. Abschreibungsmethode und -dauer</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">werden j\u00e4hrlich gem\u00e4\u00df IAS 38 \u00fcberpr\u00fcft. F\u00fcr Details siehe</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:35.73pt\">Note 19.</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Bei ge\u00e4nderten Umst\u00e4nden wird die Nutzungsdauer</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">entsprechend der wirtschaftlichen Restnutzungsdauer</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:44.43pt\">angepasst.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Entwicklungskosten f\u00fcr selbst erstellte Software werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aktiviert, wenn die technische Umsetzbarkeit gegeben ist, die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Absicht zur Fertigstellung der Software besteht, zuk\u00fcnftiger</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">wirtschaftlicher Nutzen erzielt werden kann und die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">angefallenen Kosten verl\u00e4sslich ermittelt werden k\u00f6nnen.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwendungen f\u00fcr Vorstudien (Forschungskosten) werden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:60.28pt\">nicht aktiviert.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsAndGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-644": {
   "value": "<div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Firmenwerte in H\u00f6he von 117\u00a0Mio.\u00a0\u20ac (2024: 119\u00a0Mio.\u00a0\u20ac)</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden in der Bilanz unter der Position \u201eGesch\u00e4fts- und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Firmenwerte\u201c ausgewiesen. Entsprechend IFRS 3 iVm IAS 36</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2404 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">und IAS 38 wird f\u00fcr alle Zahlungsmittel generierenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Einheiten (CGUs, cash generating units) eine \u00dcberpr\u00fcfung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Werthaltigkeit der aktivierten Firmenwerte durch einen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">j\u00e4hrlichen Werthaltigkeitstest (Impairmenttest) nach Ma\u00dfgabe</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:102.32pt\">des IAS 36 durchgef\u00fchrt.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Der Firmenwert-Impairmenttest wird unter Anwendung des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:239.91pt\">Value in Use f\u00fcr die betreffenden Einheiten durchgef\u00fchrt.</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Aktuell besteht ein Goodwill bei easybank Franchise \u00d6sterreich</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">(59\u00a0Mio.\u00a0\u20ac; 2024: 59\u00a0Mio.\u00a0\u20ac), Zahn\u00e4rztekasse AG (24\u00a0Mio.\u00a0\u20ac;</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">2024: 24\u00a0Mio.\u00a0\u20ac), Idaho First Bank (18 Mio. \u20ac; 2024: 20 Mio. \u20ac),</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Health Coevo AG (15\u00a0Mio.\u00a0\u20ac; 2024: 15\u00a0Mio.\u00a0\u20ac) und Brokerage</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Business \u00d6sterreich (1\u00a0Mio.\u00a0\u20ac; 2024: 1\u00a0Mio.\u00a0\u20ac), wobei diese die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">kleinsten CGUs darstellen, denen ein Goodwill zugeordnet</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">werden kann. Weitere Details zu den at-equity einbezogenen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:243.79pt\">Gesellschaften werden in Note 36 und Note 52 dargestellt.</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Das Kundengesch\u00e4ft aller Einheiten mit einem Firmenwert ist</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:133.11pt\">Teil des Segments Retail &amp; SME.</span><div class=\"ps255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Immaterielles Anlageverm\u00f6gen, Sachanlagen</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Unter den immateriellen Verm\u00f6genswerten werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">insbesondere erworbene Gesch\u00e4fts- und Firmenwerte und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">immaterielle Verm\u00f6genswerte wie Markennamen und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundenbeziehungen sowie sonstige erworbene oder selbst</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">erstellte immaterielle Verm\u00f6genswerte (vor allem Software)</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:114.66pt\">gem\u00e4\u00df IAS 38 ausgewiesen.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Immaterielle Verm\u00f6genswerte mit unbegrenzter</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Nutzungsdauer werden mit den Anschaffungskosten abz\u00fcglich</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertminderungen und zuz\u00fcglich Wertaufholungen angesetzt.</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Marken werden als immaterielle Verm\u00f6genswerte mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">unbestimmter Nutzungsdauer nicht abgeschrieben. Ein</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">immaterieller Verm\u00f6genswert hat eine unbestimmte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Nutzungsdauer, wenn keine rechtlichen, vertraglichen,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">regulatorischen oder weiteren die Nutzungsdauer</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">limitierenden Faktoren bestehen. Die Bilanzierung der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">immateriellen Verm\u00f6genswerte des Anlageverm\u00f6gens und des</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Sachanlageverm\u00f6gens mit begrenzter Nutzungsdauer erfolgt</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zu Anschaffungs- bzw. Herstellungskosten abz\u00fcglich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">planm\u00e4\u00dfiger, linearer Abschreibung und Wertminderungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">und zuz\u00fcglich Wertaufholungen. Die Abschreibungss\u00e4tze bei</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">den Geb\u00e4uden betragen 2,0% bis 14,3% (2024:\u00a02,0% bis</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">14,3%), bei der Betriebs- und Gesch\u00e4ftsausstattung reichen sie</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">von 5,0% bis 33,3% (2024: 2,0% bis 50,0%) und bei den</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nutzungsrechten nach IFRS 16 reichen sie von 5,0% bis 60,0%</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">(2024: 5,0% bis 36,4%). Die erworbene und selbst erstellte</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Software, andere immaterielle Verm\u00f6genswerte und Rechte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">(mit Ausnahme der Firmenwerte und des Markennamens)</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">werden mit 2,8% bis 33,3% (2024: 2,8% bis 33,3%)</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">abgeschrieben. Kundenbeziehungen werden linear \u00fcber</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">durchschnittlich 8\u201330 Jahre (2024: durchschnittlich 8\u201330</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Jahre) abgeschrieben. Abschreibungsmethode und -dauer</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">werden j\u00e4hrlich gem\u00e4\u00df IAS 38 \u00fcberpr\u00fcft. F\u00fcr Details siehe</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:35.73pt\">Note 19.</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Bei ge\u00e4nderten Umst\u00e4nden wird die Nutzungsdauer</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">entsprechend der wirtschaftlichen Restnutzungsdauer</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:44.43pt\">angepasst.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Entwicklungskosten f\u00fcr selbst erstellte Software werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aktiviert, wenn die technische Umsetzbarkeit gegeben ist, die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Absicht zur Fertigstellung der Software besteht, zuk\u00fcnftiger</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">wirtschaftlicher Nutzen erzielt werden kann und die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">angefallenen Kosten verl\u00e4sslich ermittelt werden k\u00f6nnen.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwendungen f\u00fcr Vorstudien (Forschungskosten) werden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:60.28pt\">nicht aktiviert.</span></div><span class=\"f charStyle-34546584 ps3423\" style=\"width:2.62pt\">.</span><div class=\"ps268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">\u00dcberpr\u00fcfung von Zahlungsmittel generierenden Einheiten </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">(CGUs) mit einem Gesch\u00e4fts- oder Firmenwert auf </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Wertminderung</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zum Zweck der \u00dcberpr\u00fcfung auf Wertminderung ist folgenden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">CGUs des Konzerns ein Gesch\u00e4fts- oder Firmenwert wie folgt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:84.52pt\">zugeordnet worden:</span></div><div class=\"ps3714 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">easybank Franchise \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">24<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">24<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Brokerage Business \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Firmenwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">117<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">119<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die wesentlichen Annahmen, die bei der Sch\u00e4tzung des</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">erzielbaren Betrags (Nutzungswert) verwendet wurden,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2912 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden nachstehend dargelegt. Die den wesentlichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2913 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Annahmen zugewiesenen Werte stellen die Beurteilung der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zuk\u00fcnftigen Entwicklungen in den relevanten Branchen dar</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2915 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:254.93pt\">und basieren auf Werten von externen und internen Quellen.</span></div><div class=\"ps2924 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Planwerte sind aufgrund der aktuellen geopolitischen Lage</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps2917 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">mit h\u00f6herer Unsicherheit behaftet, was jedoch in den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2918 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Cashflow-Prognosen ber\u00fccksichtigt wurde. Diese Prognosen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2920 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">ber\u00fccksichtigen die aktuellsten Forecasts, einschlie\u00dflich der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2921 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beobachteten und erwarteten Auswirkungen der aktuellen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2925 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">geopolitischen Lage auf die Rentabilit\u00e4t der betreffenden</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2922 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">CGUs. Die Planungsannahmen f\u00fcr den Zeitraum 2026\u20132030</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2926 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">basieren auf den wirtschaftlichen Annahmen der EZB und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2927 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">angemessenen Sch\u00e4tzungen der Risikokosten. Der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2928 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Planungsinput basiert auf der Gesch\u00e4ftsstrategie, die ein</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3715 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">organisches Wachstum im Kernmarkt und eine kontinuierliche</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2929 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:177.17pt\">Verbesserung der Produktpalette vorsieht.</span></div><div class=\"ps797 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:180.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss211\"><div><div class=\"ps277 ss149\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3017 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-584de24a ps2063\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3716 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-37455c2a ps2063\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Abzinsungssatz vor Steuern easybank Franchise <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps3718 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3717\"></span><span class=\"ps3717\">11,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3719 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">11,4%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3720 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Abzinsungssatz vor Steuern Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3722 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">8,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3723 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">8,1%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3328 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-30af65c7 ps36\">Abzinsungssatz vor Steuern Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3724 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3717\"></span><span class=\"ps3717\">13,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3725 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">13,2%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3726 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Abzinsungssatz vor Steuern Brokerage Business <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3728 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3729 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2671 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Abzinsungssatz vor Steuern Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3730 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3717\"></span><span class=\"ps3717\">12,6%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3731 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">12,5%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3732 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) easybank Franchise \u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3733 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3734 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">10,5%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3594 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) Zahn\u00e4rztekasse AG</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3735 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3736 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,7%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3737 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) Health Coevo AG</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3738 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">1,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3739 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">6,5%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps896 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) Brokerage Business \u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3740 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3741 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3742 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) Idaho First Bank</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3743 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">2,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3744 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">18,6%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3745 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate easybank Franchise <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3746 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3747 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3748 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3749 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2729 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3750 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3751 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3752 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate Brokerage Business <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3753 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3754 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3755 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3756 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3757 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3758 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Der Abzinsungssatz der Zahn\u00e4rztekasse AG bezieht sich auf</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps3759 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.79pt\">CHF (2024: CHF), der der Idaho First Bank auf USD (2024: USD).</span></div><div class=\"ps3760 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Cashflow-Prognosen basieren auf den von der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3761 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Gesch\u00e4ftsf\u00fchrung geplanten Jahresgewinnen der n\u00e4chsten 5</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3762 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Jahre und einer ewigen Wachstumsrate danach. Die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3763 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">nachhaltige Wachstumsrate wurde basierend auf der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps3764 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Sch\u00e4tzung der langfristigen durchschnittlichen j\u00e4hrlichen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3765 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewinnwachstumsrate ermittelt, die mit der Annahme, die ein</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3766 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Marktteilnehmer treffen w\u00fcrde, \u00fcbereinstimmt. Um das</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3767 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Wachstum angemessen mit Eigenkapital zu unterlegen,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3768 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">wurden bei der Bewertung sowohl in der Planperiode als auch</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3769 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">bei der Berechnung des Fortf\u00fchrungswertes</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps185\" style=\"width:163.88pt\">Gewinnthesaurierungen ber\u00fccksichtigt.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-647": {
   "value": "<div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Jene Eigenkapitalinstrumente, die nicht konsolidiert wurden,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden gem\u00e4\u00df IFRS 9 bewertet und der Kategorie \u201eIm</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">bewertete finanzielle Verm\u00f6genswerte\u201c oder \u201eErfolgswirksam</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zum beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verm\u00f6genswerte\u201c zugeordnet. Weitere Details werden in Note</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:59.73pt\">50 dargestellt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-646": {
   "value": "<div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Jene Eigenkapitalinstrumente, die nicht konsolidiert wurden,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden gem\u00e4\u00df IFRS 9 bewertet und der Kategorie \u201eIm</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">bewertete finanzielle Verm\u00f6genswerte\u201c oder \u201eErfolgswirksam</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zum beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verm\u00f6genswerte\u201c zugeordnet. Weitere Details werden in Note</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:59.73pt\">50 dargestellt.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">IFRS 9 Finanzinstrumente</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Bilanzierung der Finanzinstrumente erfolgt zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:49.14pt\">Handelstag.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:262.04pt\">Klassifizierung von finanziellen Verm\u00f6genswerten und</span><span class=\"f charStyle-81af04f8 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:126.84pt\">finanziellen Verbindlichkeiten</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:231.76pt\">Finanzielle Verm\u00f6genswerte \u2013 Fremdkapitalinstrumente</span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gem\u00e4\u00df IFRS 9 werden finanzielle Verm\u00f6genswerte nach drei</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kategorien klassifiziert: Bewertung zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Anschaffungskosten (Amortised Cost, AC), Bewertung zum</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">beizulegenden Zeitwert \u00fcber das sonstige Ergebnis (Fair Value</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">through Other Comprehensive Income, FVOCI) oder</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bewertung zum beizulegenden Zeitwert \u00fcber die Gewinn- und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:243.85pt\">Verlustrechnung (Fair Value through Profit or Loss, FVTPL).</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">In welche Kategorie ein Finanzinstrument eingeordnet wird, ist</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">einerseits abh\u00e4ngig vom Gesch\u00e4ftsmodell des Unternehmens</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">und andererseits von den vertraglich vereinbarten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:213.73pt\">Zahlungsfl\u00fcssen des finanziellen Verm\u00f6genswertes.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Ein finanzieller Verm\u00f6genswert wird nur dann zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Anschaffungskosten bewertet, wenn das Gesch\u00e4ftsmodell des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Unternehmens darauf abzielt, die finanziellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerte zu halten, und die vertraglich vereinbarten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zahlungsfl\u00fcsse ausschlie\u00dflich Zins- und Tilgungszahlungen auf</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">den ausstehenden Teil des Nominales darstellen (simple loan</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">feature). Ein finanzieller Verm\u00f6genswert wird dann zum</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">beizulegenden Zeitwert \u00fcber das Sonstige Ergebnis bewertet,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">wenn das Gesch\u00e4ftsmodell des Unternehmens darauf abzielt,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">die finanziellen Verm\u00f6genswerte sowohl zu halten als auch zu</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">verkaufen, und die vertraglich vereinbarten Zahlungsfl\u00fcsse</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">ausschlie\u00dflich Zins- und Tilgungszahlungen auf den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">ausstehenden Teil des Nominales darstellen. Alle finanziellen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verm\u00f6genswerte, die diese Kriterien nicht erf\u00fcllen, werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:226.67pt\">erfolgswirksam zum beizulegenden Zeitwert bewertet.</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Agios und Disagios werden mittels Effektivzinsmethode \u00fcber</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die Laufzeit verteilt, der Aufwand bzw. Ertrag wird mit den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zinsertr\u00e4gen aus den entsprechenden Finanzinstrumenten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:48.06pt\">verrechnet.</span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bearbeitungsgeb\u00fchren werden unter Ber\u00fccksichtigung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">damit direkt zusammenh\u00e4ngenden Kosten auf die Laufzeit der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:132.5pt\">Kredite im Zinsergebnis verteilt.</span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Hinsichtlich der Erfassung von Vorsorgen wird auf den</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:101.19pt\">Risikobericht verwiesen.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:262.06pt\">Beurteilung des Gesch\u00e4ftsmodells f\u00fcr finanzielle</span><span class=\"f charStyle-de9217a1 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:70.68pt\">Verm\u00f6genswerte</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:254.13pt\">Die BAWAG hat die folgenden Gesch\u00e4ftsmodelle identifiziert:</span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:177.68pt\">Gesch\u00e4ftsmodell \u201eHalten\u201c (Hold to Collect)</span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.78pt\">Finanzielle Verm\u00f6genswerte in dieser Kategorie werden in</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">der Regel bis zur Endf\u00e4lligkeit gehalten, um vertragliche</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Zahlungsstr\u00f6me aus Tilgungen und Zinsen \u00fcber die Laufzeit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">zu vereinnahmen. Nicht alle Finanzinstrumente in diesem</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Gesch\u00e4ftsmodell m\u00fcssen bis zur Endf\u00e4lligkeit gehalten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">werden. Unter bestimmten Umst\u00e4nden stehen Verk\u00e4ufe in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Einklang mit dem Gesch\u00e4ftsmodell, unabh\u00e4ngig von ihrem</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Volumen und der H\u00e4ufigkeit. Zum Beispiel wenn ein</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Finanzinstrument kurz vor F\u00e4lligkeit verkauft wird und die</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Einnahmen im Wesentlichen den ausstehenden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Zahlungsstr\u00f6men entsprechen, wenn das Finanzinstrument</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">aufgrund einer Bonit\u00e4tsverschlechterung verkauft wird,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Verk\u00e4ufe aufgrund von \u00c4nderungen im Steuer- oder</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Aufsichtsrecht, aufgrund von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Unternehmenszusammenschl\u00fcssen oder Reorganisationen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">oder im Stressszenario. Au\u00dferdem werden Verk\u00e4ufe, deren</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Buchwerte und Ertr\u00e4ge 5% des durchschnittlichen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Buchwertes des Portfolios in einem Jahr nicht \u00fcbersteigen,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:118.92pt\">als unwesentlich angesehen.</span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Gesch\u00e4ftsmodell \u201eHalten und Verkaufen\u201c (Hold to Collect</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:35.62pt\">and Sell)</span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.77pt\">Finanzielle Verm\u00f6genswerte in diesem Gesch\u00e4ftsmodell</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">werden sowohl gehalten, um Zahlungsstr\u00f6me zu</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.82pt\">vereinnahmen, als auch, um sie zu verkaufen. In diesem</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Gesch\u00e4ftsmodell werden vorwiegend liquide Bonds</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">gehalten, welche verkauft, f\u00fcr besicherte Refinanzierungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">mit der Notenbank hinterlegt oder in ein Repo gegeben</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:67.77pt\">werden k\u00f6nnen.</span><span class=\"f charStyle-34546584 ps2412\" style=\"width:2.36pt\"> </span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:111.84pt\">Sonstige Gesch\u00e4ftsmodelle</span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.77pt\">Finanzielle Verm\u00f6genswerte in diesem Gesch\u00e4ftsmodell</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:144.88pt\">werden zur Ver\u00e4u\u00dferung gehalten.</span><span class=\"f charStyle-34546584 ps2413\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:29.38pt\">Handel</span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.76pt\">Zu dieser Kategorie z\u00e4hlen finanzielle Verm\u00f6genswerte und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Verbindlichkeiten, die zu Handelszwecken gehalten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">werden. Diese Finanzinstrumente werden mit ihren</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Marktwerten (Fair Values) angesetzt. S\u00e4mtliche Derivate</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">des Bankbuches, die nicht Teil einer Sicherungsbeziehung</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">sind, werden dieser Kategorie zugeordnet. Die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Handelspassiva umfassen Verbindlichkeiten aus</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:224.57pt\">Derivatgesch\u00e4ften, Leerverk\u00e4ufe und Repo-Gesch\u00e4fte.</span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bestimmte finanzielle Verm\u00f6genswerte, die nicht die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Definition von Handelsaktiva erf\u00fcllen, werden nach der Fair-</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Value-Option als zum Fair Value bewertet klassifiziert. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">BAWAG hat die Fair-Value-Option zur Vermeidung eines</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Accounting Mismatch angewendet. Dieser liegt beispielsweise</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vor, wenn das Wert\u00e4nderungsrisiko von Wertpapieren und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:184.12pt\">Darlehen durch Derivate abgesichert wurde.</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:262.02pt\">Beurteilung, ob vertragliche Cashflows ausschlie\u00dflich Tilgungs-</span><span class=\"f charStyle-de9217a1 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:262.01pt\">und Zinszahlungen auf den ausstehenden Teil des Nominales</span><span class=\"f charStyle-de9217a1 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:241.01pt\">darstellen (Solely Payments of Principal and Interest, SPPI)</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Um festzustellen, ob ein Finanzinstrument die SPPI-Kriterien</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:234.55pt\">erf\u00fcllt, analysiert die BAWAG ihr Portfolio in drei Stufen:</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">1. Identifizierung aller Finanzinstrumente, die klar die SPPI-</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:73.64pt\">Kriterien erf\u00fcllen;</span><span class=\"f charStyle-34546584 ps2414\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1623\" style=\"width:125.83pt\">2. qualitativer Benchmarktest;</span><span class=\"f charStyle-34546584 ps2415\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1623\" style=\"width:132.08pt\">3. quantitativer Benchmarktest.</span><span class=\"f charStyle-34546584 ps2416\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ein qualitativer oder quantitativer Benchmarktest muss dann</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">durchgef\u00fchrt werden, wenn m\u00f6gliche sch\u00e4dliche Konditionen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vorliegen. Ein qualitativer Benchmarktest ist ausreichend,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">wenn die m\u00f6glicherweise sch\u00e4dliche Kondition bei Vergleich</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">der Zahlungsstr\u00f6me klarerweise unwesentlich ist, z.B.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bestimmte Zinsanpassungsklauseln. In diesem Fall ist kein</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">quantitativer Benchmarktest erforderlich und das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument erf\u00fcllt die SPPI-Kriterien. In allen anderen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">F\u00e4llen ist ein quantitativer Test erforderlich, der die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zahlungsstr\u00f6me des Finanzinstruments mit den</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zahlungsstr\u00f6men eines theoretischen Finanzinstruments mit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">den gleichen Eigenschaften au\u00dfer der sch\u00e4dlichen Kondition</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vergleicht. Wenn die Zahlungsstr\u00f6me wesentlich voneinander</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">abweichen, erf\u00fcllt das Finanzinstrument die SPPI-Kriterien</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">nicht und wird zum beizulegenden Zeitwert \u00fcber die Gewinn-</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:131.07pt\">und Verlustrechnung bilanziert.</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zur Bestimmung der Wesentlichkeit einer sch\u00e4dlichen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">Kondition hat die Bank eine Abweichung von mehr als 5% der</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">kumulativen Zahlungsstr\u00f6me und 1% der j\u00e4hrlichen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zahlungsstr\u00f6me als sch\u00e4dlich definiert. Eine Gruppe von</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Krediten und Wertpapieren besteht aktuell den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Benchmarktest nicht, vorwiegend aufgrund des jeweiligen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:60.56pt\">Zinsindikators.</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Bank hat Darlehen gew\u00e4hrt, die Merkmale enthalten, die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">die vertraglichen Cashflows in Abh\u00e4ngigkeit von der Erf\u00fcllung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">bestimmter vertraglich festgelegter ESG-Ziele durch den</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Darlehensnehmer ver\u00e4ndern, z.B. einen reduzierten Zinssatz,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">wenn der Darlehensnehmer bestimmte Ziele zur Verringerung</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:29.96pt\">der CO</span><span class=\"f charStyle-fe08a940 ps2417\" style=\"width:3.35pt\">2</span><span class=\"f charStyle-34546584 ps2418\" style=\"width:228.7pt\">-Emissionen erf\u00fcllt. Wenn das ESG-Merkmal nur eine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">minimale Auswirkung (+/-5%) auf die vertraglichen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zahlungsstr\u00f6me des Instruments haben k\u00f6nnte, sieht die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:168.4pt\">BAWAG das SPPI-Kriterium als erf\u00fcllt an.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:118.12pt\">Finanzielle Verbindlichkeiten</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.13pt\">Gem\u00e4\u00df IFRS 9 werden finanzielle Verpflichtungen, die nicht</span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:164.3pt\">zu Handelszwecken bestimmt sind oder</span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">der Position \u201eFinanzielle Verbindlichkeiten, die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">erfolgswirksam zum beizulegenden Zeitwert bewertet</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:122.34pt\">werden\u201c zugeordnet werden,</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:197.55pt\">zu fortgef\u00fchrten Anschaffungskosten bewertet.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Fair-Value-\u00c4nderungen bei Verbindlichkeiten der Fair-Value-</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:192.27pt\">Option werden folgenderma\u00dfen ausgewiesen:</span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">der Betrag der Ver\u00e4nderung des beizulegenden Zeitwerts,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:189.85pt\">der aus dem Ausfallsrisiko der Verbindlichkeit</span><span class=\"f charStyle-34546584 ps2419\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:222.67pt\">resultiert, wird im sonstigen Ergebnis dargestellt; und</span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">die restliche Ver\u00e4nderung des beizulegenden Zeitwerts</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">wird erfolgswirksam in der Gewinn- und Verlustrechnung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:47.05pt\">dargestellt.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Bestimmte finanzielle Verpflichtungen, die nicht die Definition</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">von Handelspassiva erf\u00fcllen, werden nach der Fair-Value-</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Option als zum Fair Value bewertet klassifiziert. Die BAWAG</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Group hat die Fair-Value-Option in folgenden F\u00e4llen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:54.4pt\">angewendet:</span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:167.47pt\">Vermeidung eines Accounting Mismatch</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2420\" style=\"width:3.16pt\">-<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps2421\" style=\"width:239.55pt\">Fest verzinste Eigene Emissionen, deren Fair Value zum</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2421\" style=\"width:221.83pt\">Erwerbszeitpunkt durch Zinsderivate gesichert wurde</span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:136.95pt\">Vorliegen eingebetteter Derivate</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2420\" style=\"width:3.16pt\">-<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps2421\" style=\"width:197.57pt\">Eigene Emissionen mit eingebetteten Derivaten</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:79.23pt\">Reklassifizierungen</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Finanzielle Verm\u00f6genswerte werden nach erstmaligem Ansatz</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">nicht reklassifiziert, au\u00dfer in der Periode, in welcher der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:251.55pt\">Konzern das Gesch\u00e4ftsmodell der Finanzinstrumente \u00e4ndert.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:116.44pt\">Vertragliche Modifikationen</span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Werden im Rahmen von Neuverhandlungen von Krediten die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">vertraglichen Zahlungsstr\u00f6me ge\u00e4ndert, so ist eine Beurteilung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">hinsichtlich der Signifikanz der \u00c4nderung erforderlich. Im Falle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">einer nicht signifikanten \u00c4nderung der vertraglichen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zahlungsstr\u00f6me erfolgt eine Anpassung des Bruttobuchwerts</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">des Instruments auf Basis einer Barwertbetrachtung der neuen</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">vertraglichen Zahlungsstr\u00f6me, abgezinst mit dem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">urspr\u00fcnglichen Effektivzinssatz. Die Differenz zwischen dem</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">alten Bruttobuchwert und dem neuen Bruttobuchwert wird</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">erfolgswirksam als Modifizierungsgewinn oder -verlust erfasst</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">und unter den Gewinnen und Verlusten aus finanziellen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:193.72pt\">Verm\u00f6genswerten und Schulden ausgewiesen.</span><span class=\"f charStyle-34546584 ps2422\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Wenn sich die Zahlungsstr\u00f6me signifikant unterscheiden (die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">BAWAG hat hier eine Signifikanzgrenze der Barwert\u00e4nderung</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">von 10% gew\u00e4hlt), gelten die vertraglichen Rechte der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zahlungsstr\u00f6me aus den urspr\u00fcnglichen Instrumenten als</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">verfallen. In diesem Fall wird das urspr\u00fcngliche Instrument</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">ausgebucht, und ein neues finanzielles Instrument wird zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beizulegenden Zeitwert zuz\u00fcglich etwaiger anrechenbarer</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:113.9pt\">Transaktionskosten erfasst.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Weiters erfolgt eine Ausbuchung des urspr\u00fcnglichen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verm\u00f6genswertes, wenn es sich um eine qualitative</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Modifikation des Vertrags handelt. Eine solche liegt vor bei</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">einer \u00c4nderung der Vertragspartei oder der Vertragsw\u00e4hrung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">(es sei denn, dies wurde bereits im urspr\u00fcnglichen Vertrag</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">vereinbart) sowie bei Einf\u00fchrung oder Entfernung einer nicht</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:135.8pt\">SPPI-konformen Vertragsklausel.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Im Fall von Modifikationen, die nicht zu einer Ausbuchung</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">f\u00fchren, beurteilt die BAWAG eine signifikante Erh\u00f6hung des</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Kreditrisikos anhand der Kriterien f\u00fcr den Stufentransfer und</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bestimmt, ob ein 12-Monats-ECL oder ein Lifetime-ECL zu</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">ber\u00fccksichtigen ist. Ein signifikanter Anstieg des Kreditrisikos</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:150pt\">wird beurteilt durch einen Vergleich</span><span class=\"f charStyle-460d27f9 ps2423\" style=\"width:2.26pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">der kumulativen Ausfallswahrscheinlichkeit zum</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Berichtszeitpunkt auf der Grundlage der modifizierten</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:72.82pt\">Bedingungen und</span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">der kumulativen Ausfallswahrscheinlichkeit mit den</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">urspr\u00fcnglichen Vertragsbedingungen, die bei Erstansatz</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:160.53pt\">des Verm\u00f6genswerts gesch\u00e4tzt wurde.</span><span class=\"f charStyle-34546584 ps2424\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Wenn die Vertrags\u00e4nderung bei einem Kredit, der nicht</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wertgemindert ist, zu einer Ausbuchung f\u00fchrt, wird ein neuer</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:175.23pt\">Kredit angesetzt und der Stufe 1 zugeordn</span><span class=\"f charStyle-34546584 ps2425\" style=\"width:11.13pt\">et.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:101.55pt\">Eigenkapitalinstrumente</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">IFRS 9 besagt, dass alle Eigenkapitalinstrumente grunds\u00e4tzlich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zum beizulegenden Zeitwert \u00fcber die Gewinn- und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verlustrechnung bilanziert werden m\u00fcssen, au\u00dfer das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Unternehmen hat beim erstmaligen Ansatz unwiderruflich die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Wahl getroffen, die \u00c4nderungen des beizulegenden Zeitwerts</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">im sonstigen Ergebnis zu erfassen. Dieses Wahlrecht wird pro</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Instrument ausge\u00fcbt und gilt nicht f\u00fcr zu Handelszwecken</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">gehaltene Aktien. Bei Anwendung des Wahlrechtes werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">alle Bewertungen im sonstigen Ergebnis erfasst. Es kommt zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">keiner Umbuchung in die Gewinn- und Verlustrechnung, nur</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Dividenden werden in der Gewinn- und Verlustrechnung</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">ausgewiesen. Das Wahlrecht kann nur bei der erstmaligen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:252.34pt\">Erfassung ausge\u00fcbt und nachtr\u00e4glich nicht ge\u00e4ndert werden.</span><span class=\"f charStyle-34546584 ps2426\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Der Gro\u00dfteil der von der BAWAG gehaltenen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Eigenkapitalinstrumente wird f\u00fcr langfristige Zwecke gehalten,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">und es besteht nicht die Absicht, kurzfristige</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Ver\u00e4u\u00dferungsgewinne zu erzielen. Aus diesem Grund wurde</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">f\u00fcr die meisten Eigenkapitalinstrumente das Wahlrecht der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Bewertung zum beizulegenden Zeitwert im sonstigen Ergebnis</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">ausge\u00fcbt, um die Profitabilit\u00e4t des Konzerns klarer</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">darzustellen. Im Wesentlichen sind davon Beteiligungen an</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">nicht konsolidierten Gesellschaften sowie Investitionen in AT1-</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Instrumente (\u201ezus\u00e4tzliches Kernkapital\u201c) betroffen. F\u00fcr den</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Fall, dass die BAWAG plant, Eigenkapitalinstrumente in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">absehbarer Zeit zu verkaufen, wird \u00fcber das Wahlrecht eine</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:206.49pt\">individuelle Entscheidung je Investition getroffen.</span><span class=\"f charStyle-34546584 ps2427\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps185\" style=\"width:67.74pt\">Wertminderung</span><span class=\"f charStyle-81af04f8 ps2428\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Hinsichtlich Angaben zu Wertminderungen wird auf den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:101.19pt\">Risikobericht verwiesen.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Methoden der Fair-Value-Ermittlung von Finanzinstrumenten</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG zieht zur Beurteilung eines \u201eaktiven Marktes\u201c</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">eines Wertpapieres neben Minimumanforderungen (z.B.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Emissionsgr\u00f6\u00dfe, B\u00f6rsenotiz) Informationen aus</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Handelssystemen (quotierte Volumina, H\u00e4ufigkeit der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Preisstellung) zur Ermittlung der Markttiefe und Liquidit\u00e4t</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:26.86pt\">heran.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Derivate</span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">F\u00fcr die Bewertung von b\u00f6rsengehandelten Gesch\u00e4ften, z.B.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Futures und Futureoptionen, werden B\u00f6rsenkurse</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">herangezogen. Details werden im Anhang unter Note 34</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.93pt\">dargestellt. Einige grunds\u00e4tzliche Angaben seien vorangestellt:</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">Das grundlegende Bewertungsmodell bei Plain-Vanilla-OTC-</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.04pt\">Optionen ist das Optionspreismodell nach Black-Scholes,</span><span class=\"f charStyle-c790e326 ps171\" style=\"width:2.34pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">welches je nach Underlying differiert. Fremdw\u00e4hrungsoptionen</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.04pt\">werden nach dem Garman-Kohlhagen-Modell und</span><span class=\"f charStyle-c790e326 ps171\" style=\"width:2.34pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.01pt\">Zinsoptionen werden nach Black bzw. Hull-White bewertet,</span><span class=\"f charStyle-c790e326 ps150\" style=\"width:2.34pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.02pt\">wobei bei Caps/Floors und Swaptions in W\u00e4hrungen mit</span><span class=\"f charStyle-c790e326 ps148\" style=\"width:2.34pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:229.83pt\">negativen Zinsen das Bachelier-Modell verwendet wird.</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.06pt\">Der Gesamtwert eines Zinsswaps ergibt sich aus den</span><span class=\"f charStyle-c790e326 ps146\" style=\"width:2.34pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.03pt\">Barwerten der fixen und der variablen Seite des Swaps. Bei</span><span class=\"f charStyle-c790e326 ps160\" style=\"width:2.34pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262pt\">Cross-Currency-Swaps (CCS) wird ebenso pro Leg der Barwert</span><span class=\"f charStyle-c790e326 ps167\" style=\"width:2.34pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262pt\">in der jeweiligen Transaktionsw\u00e4hrung ermittelt, der dann in</span><span class=\"f charStyle-c790e326 ps167\" style=\"width:2.34pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.06pt\">die funktionale W\u00e4hrung der Konzerngesellschaft umgerechnet</span><span class=\"f charStyle-c790e326 ps146\" style=\"width:2.34pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:81.59pt\">und summiert wird.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.02pt\">Bei Devisentermingesch\u00e4ften wird der vereinbarte Terminkurs,</span><span class=\"f charStyle-c790e326 ps148\" style=\"width:2.34pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.03pt\">der von den W\u00e4hrungs- und Zinsentwicklungen der beiden</span><span class=\"f charStyle-c790e326 ps160\" style=\"width:2.34pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">W\u00e4hrungen abh\u00e4ngt, dem aktuellen Terminkurs am</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">Bilanzstichtag gegen\u00fcbergestellt und daraus der Wert</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:43.25pt\">errechnet.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Credit Default Swaps (CDS) werden mittels Duffie-Singleton-</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Modell bewertet. Dabei wird auf Basis der Credit Spread Curve</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">die Default Probability Curve (Hazard Rate) ermittelt, mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">deren Hilfe das Protection Leg berechnet wird. Der Marktwert</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">des CDS ergibt sich dann durch Summierung des Protection</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:96.17pt\">und des Premium Legs.</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die BAWAG bestimmt f\u00fcr Bonit\u00e4tsrisiken von OTC-Derivaten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ein Credit (CVA) bzw. ein Debt Value Adjustment (DVA).</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Grunds\u00e4tzlich werden interne Ausfallswahrscheinlichkeiten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(PD) zur Berechnung herangezogen, als Verwertungsquote</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:168.23pt\">(REC) wird standardm\u00e4\u00dfig 0,4 angesetzt.</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">F\u00fcr diese Kontrahenten wird zur Bestimmung des EPE/ENE</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(Expected Positive/Negative Exposure) ein \u201eMarktwert + Add-</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">on\u201c-Modell verwendet. Die Add-on-Berechnung erfolgt f\u00fcr</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">jede Gesch\u00e4ftsart und W\u00e4hrung getrennt und wird</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">grunds\u00e4tzlich aus am Markt beobachtbaren Parametern</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:44.53pt\">abgeleitet.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Sofern ein Nettingagreement vorliegt, werden auch</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nettingeffekte auf Kundenebene innerhalb von Gesch\u00e4ften</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:198.89pt\">selben Typs und selber W\u00e4hrung ber\u00fccksichtigt.</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:205.93pt\">Aus den Diskonts\u00e4tzen, der Kontrahenten-PD und</span><span class=\"f charStyle-34546584 ps2432\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1602\" style=\"width:261.95pt\">-Verlustquote (1-REC) sowie dem EPE bestimmt sich der CVA</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">bzw. aus der BAWAG PD und -Verlustquote sowie dem ENE der</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:20.52pt\">DVA.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Sofern die Risikoabschlagsrate nicht aus Markttransaktionen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">abgeleitet werden kann, wird diese vom Management</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gesch\u00e4tzt. Dies betrifft insbesondere Non-Payment-Risiken</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aufgrund von rechtlichen Unsicherheiten, die nicht vom</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">allgemeinen Credit Spread des Kunden abgeleitet werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">k\u00f6nnen. Sofern die BAWAG davon ausgeht, dass das Gesch\u00e4ft</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">rechtswirksam zustande gekommen ist, weist die Bank auch im</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Falle einer Einrede einen Verm\u00f6genswert aus dem positiven</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:240.47pt\">Marktwert des Gesch\u00e4fts gegen\u00fcber der Gegenpartei aus.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zur Bewertung von finanziellen Verm\u00f6genswerten, deren</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Parameter nicht von Markttransaktionen abgeleitet werden</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">k\u00f6nnen, wird der erwartete Cashflow (samt Verzugszinsen,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">sofern vertraglich vereinbart) wahrscheinlichkeitsgewichtet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">und auf den Tag der Wertermittlung abgezinst. Sind die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">rechtliche Entstehung der Forderung oder ihr Fortbestand im</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Hinblick auf eventuelle Nichtigkeitsgr\u00fcnde oder eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Anfechtung streitig, werden diese rechtlichen Bedenken somit</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:174.67pt\">im Rahmen der Bewertung ber\u00fccksichtigt.</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Im Falle einer Aufl\u00f6sung (Close-out) eines derivativen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gesch\u00e4fts mit einem Kunden ver\u00e4ndert sich die Art der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Forderung der BAWAG. Vor der Vertragsaufl\u00f6sung handelte es</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">sich bei dem Verm\u00f6genswert um ein Derivat, nach dem Close-</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">out um eine vertragliche Forderung, deren H\u00f6he sich nicht</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">mehr in Abh\u00e4ngigkeit von Marktparametern \u00e4ndert. Die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Forderung erf\u00fcllt daher nicht mehr die Definition eines</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:94.82pt\">Derivats gem\u00e4\u00df IFRS 9.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Durch die vorzeitige Beendigung eines Derivatgesch\u00e4fts wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">die Variabilit\u00e4t der Zahlungsstr\u00f6me in Bezug auf H\u00f6he und</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Eintrittszeitpunkt wesentlich ver\u00e4ndert und das urspr\u00fcngliche</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Derivat durch einen neuen Verm\u00f6genswert ersetzt. Dessen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">erstmaliger Ansatz erfolgt nach IFRS 9.5.1.1 zum Fair Value.</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Fair Value entspricht dem Buchwert des Derivats zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zeitpunkt der Vertragsaufl\u00f6sung, welcher dabei auch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">s\u00e4mtliche bis zum Zeitpunkt der Aufl\u00f6sung (Close-out)</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vorgenommenen Bewertungsanpassungen umfasst. Eine aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der Vertragsaufl\u00f6sung entstandene Forderung erf\u00fcllt die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Voraussetzungen nach IFRS 9.4.1.2 zur Einordnung in die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:157.96pt\">Kategorie \u201eKredite und Forderungen\u201c.</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Diese Vorgehensweise wurde in Anlehnung an IFRS 9.3.3.2 und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">IFRS 9.3.2.7 gew\u00e4hlt, da in IFRS 9 keine expliziten Regelungen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bestehen, wie vorzugehen ist, wenn ein Finanzinstrument</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zun\u00e4chst die Merkmale eines Derivats erf\u00fcllt und in sp\u00e4terer</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Folge diese Merkmale nicht mehr erf\u00fcllt werden. Solche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Regelungsl\u00fccken sind gem\u00e4\u00df IAS 8.10 bis 8.12 durch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Anwendung einer \u00e4hnlichen Regelung in den IFRS und unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:200.61pt\">Bedachtnahme auf das Framework zu schlie\u00dfen.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Credit Linked Notes</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Die Bewertung von Credit Linked Notes, f\u00fcr die keine aktiven</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">M\u00e4rkte existieren, erfolgt anhand von Bewertungsmodellen.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Credit Linked Notes (CLNs) sind Schuldverschreibungen, deren</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">R\u00fcckzahlungsh\u00f6he von bestimmten vertraglich vereinbarten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Ereignissen abh\u00e4ngt. In der Regel sind es</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Schuldverschreibungen, die neben dem Ausfall des Emittenten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">synthetisch (via Credit Default Swap, CDS) auch das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ausfallsrisiko einer oder mehrerer weiterer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Referenzschuldverschreibungen tragen. Die Bewertung von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">CLNs ergibt sich aus Bond- bzw. CDS-Spreads von Emittent und</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:250.67pt\">Referenzschuldverschreibung, Kupon sowie der Restlaufzeit.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">F\u00fcr die Bewertungen komplexer Strukturen werden auch</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Bewertungen externer Experten herangezogen, die einer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:171.95pt\">Plausibilit\u00e4tspr\u00fcfung unterzogen werden.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Bewertung der Asset Backed Investments</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Jede Position des Collateralized-Loan-Obligation(CLO)-</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Portfolios der BAWAG unterliegt den monatlichen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bewertungen, die auf Basis des Bewertungstools von Moody\u2019s</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Analytics durchgef\u00fchrt werden. Der Bewertungsprozess wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">innerhalb der CDOnet-Funktionalit\u00e4t von Moody\u2019s Structured</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Finance Solutions auf Basis der Barwertmethodik</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">durchgef\u00fchrt. Das Modell verwendet die bereits in Moody\u2019s</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Structured Finance verf\u00fcgbaren Inputs (z.B. Cashflows,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">origin\u00e4re Spreads f\u00fcr jede Tranche, Weighted Average</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Maturity usw.) sowie zus\u00e4tzliche Parameter (haupts\u00e4chlich die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Spreads f\u00fcr die Diskontierung am relevanten Bewertungstag),</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die unabh\u00e4ngig vom Marktrisiko aus vergleichbaren CLO-</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Tranchen (in Bezug auf Bonit\u00e4t, CLO-Art, durchschnittliche</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Subordination usw.) abgeleitet werden. Als Quelle f\u00fcr aktuelle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Diskontierungsspreads werden einerseits das Moody\u2019s</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Structured Finance Portal, andrerseits weitere externe</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:234.09pt\">Datenquellen (z.B. Wells Fargo Securities) herangezogen</span><span class=\"f charStyle-34546584 ps2433\" style=\"width:2.62pt\">.</span><span class=\"f charStyle-34546584 ps2434\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Bewertung von Beteiligungen</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Zur Ermittlung des Fair Value der Beteiligungen wurden die</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">geplanten Aussch\u00fcttungen mit dem jeweils der Beteiligung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zugrunde liegenden marktbezogenen Diskontierungssatz nach</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Steuern abgezinst. Diese Prognosen ber\u00fccksichtigen die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aktuellsten Forecasts, einschlie\u00dflich der beobachteten und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">erwarteten Auswirkungen des Russland-Ukraine-Konflikts und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">weiterer globaler Risiken auf die Rentabilit\u00e4t der betreffenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:60.84pt\">Unternehmen.</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zur Ermittlung des Nutzungswerts von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Beteiligungsunternehmens wurden die geplanten m\u00f6glichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Dividenden herangezogen und f\u00fcr die Barwertermittlung mit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">dem jeweils zugrunde liegenden marktbezogenen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:179.9pt\">Diskontierungssatz nach Steuern abgezinst.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Der f\u00fcr die Bewertung herangezogene Planungshorizont</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">bel\u00e4uft sich im Regelfall auf f\u00fcnf Jahre. Die zugrunde gelegten</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">langfristigen Wachstumsraten liegen bei Going-Concern-</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Betrachtung in der Regel bei 1,0%. Soweit erforderlich,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">wurden entsprechende unternehmensspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewinnthesaurierungen im Rahmen der Ermittlung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Continuing Values und der detaillierten Planungsphase</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:61.07pt\">ber\u00fccksichtigt.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Der Diskontierungssatz nach Steuern setzt sich aus den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Komponenten risikoloser Basiszinssatz, l\u00e4nderspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Marktrisikopr\u00e4mie sowie Betafaktor zusammen. Zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.14pt\">31.\u00a0Dezember 2025 werden folgende Werte herangezogen:</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">Als risikoloser Basiszinssatz (3,54%) wird die gem\u00e4\u00df der</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Svensson-Methode aus den von der Deutschen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Bundesbank ver\u00f6ffentlichten Parametern errechnete 30-</span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">j\u00e4hrige Spotrate herangezogen (2024: 2,59%; 30-j\u00e4hrige</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:41.58pt\">Spotrate).</span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Als Anhaltspunkt f\u00fcr die l\u00e4nderspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Marktrisikopr\u00e4mie dienen die Damodaran-Homepage und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">die Empfehlung der Kammer der Wirtschaftstreuh\u00e4nder.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Die BAWAG verwendet f\u00fcr die Ermittlung des</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Diskontierungszinssatzes eine nominelle Marktrendite von</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">9,5% (2024: 9,5%). Unter Ber\u00fccksichtigung des risikoloser</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Basiszinssatzes von 3,54% wurde sich eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:220.15pt\">Marktrisikopr\u00e4mie von 5,96% (2024: 6,91%) gew\u00e4hlt.</span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Bei der Ermittlung des Betafaktors f\u00fcr Banken und</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Finanzdienstleistungsunternehmen (0,88) wird der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Mittelwert des w\u00f6chentlichen Zweijahresdurchschnitts von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">zehn an europ\u00e4ischen B\u00f6rsen notierenden Banken mit</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Schwerpunkt Retail-Gesch\u00e4ft herangezogen. Zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Vermeidung von nicht nachhaltigen \u00dcberbetonungen des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Marktes aufgrund von einmaligen Ereignissen und Krisen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">wird ein rollierender Betafaktor abgeleitet, es werden \u00fcber</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">12 Quartale die Zwei-Jahres-Betas der Peer-Group gebildet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">und daraus der Mittelwert herangezogen (rollierendes</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1534 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Beta). Als Quelle dient hierf\u00fcr Bloomberg. F\u00fcr die Peer</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1535 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">Group qualifizieren sich nur Banken mit einem R\u00b2</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">(Determinationskoeffizient) von zumindest 0,15 und / oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">einem Wert f\u00fcr den t-Test (Hypothesentest) von zumindest</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">1,98. Der Betafaktor f\u00fcr Nichtbanken betr\u00e4gt 1,0</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">(ausgenommen f\u00fcr B\u00f6rsen mit einem Betafaktor von 0,82),</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">welcher eine spezifische Gr\u00f6\u00dfe f\u00fcr Nichtbanken und kein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">allgemeines Marktrisiko darstellt. (2024: Bei der Ermittlung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">des Betafaktors f\u00fcr Banken und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Finanzdienstleistungsunternehmen (0,93) wird der</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Mittelwert des w\u00f6chentlichen Zweijahresdurchschnitts von</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">zehn an europ\u00e4ischen B\u00f6rsen notierenden Banken mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Schwerpunkt Retail-Gesch\u00e4ft herangezogen. Zur</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Vermeidung von nicht nachhaltigen \u00dcberbetonungen des</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Marktes aufgrund von einmaligen Ereignissen und Krisen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">wird ein rollierender Betafaktor abgeleitet, es werden \u00fcber</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">12 Quartale die Zwei-Jahres-Betas der Peer-Group gebildet</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">und daraus der Mittelwert herangezogen (rollierendes</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">Beta). Als Quelle dient hierf\u00fcr Bloomberg. F\u00fcr die Peer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">Group qualifizieren sich nur Banken mit einem R\u00b2</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">(Determinationskoeffizient) von zumindest 0,15 und / oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">einem Wert f\u00fcr den t-Test (Hypothesentest) von zumindest</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">1,98. Der Betafaktor f\u00fcr Nichtbanken betr\u00e4gt 1,0</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">(ausgenommen f\u00fcr B\u00f6rsen mit einem Betafaktor von 0,81),</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">welcher eine spezifische Gr\u00f6\u00dfe f\u00fcr Nichtbanken und kein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:142.11pt\">allgemeines Marktrisiko darstellt.)</span><span class=\"f charStyle-34546584 ps2435\" style=\"width:2.36pt\"> </span><span class=\"f charStyle-34546584 ps2436\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">\u00dcbertragung von Finanzinstrumenten</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Ausbuchung eines finanziellen Verm\u00f6genswerts erfolgt,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">sobald die wirtschaftlichen Ergebnisse aus dem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument dem Konzern nicht mehr zustehen, d.h.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">regelm\u00e4\u00dfig dann, wenn die Rechte und Pflichten aus dem</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument auf einen Dritten durch Aus\u00fcbung,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Ver\u00e4u\u00dferung oder Abtretung \u00fcbergehen bzw. der Konzern die</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.61pt\">Verf\u00fcgungsmacht verloren hat oder wenn die Rechte verfallen.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bei \u00dcbertragungen von finanziellen Verm\u00f6genswerten, bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">denen die BAWAG ma\u00dfgebliche Rechte und Verpflichtungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zur\u00fcckbehalten hat, erfolgt weiterhin ein Ausweis in der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:61.1pt\">Konzernbilanz.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Eine Verbindlichkeit wird ausgebucht, wenn die mit ihr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:248.65pt\">verbundene Verpflichtung beglichen oder aufgehoben wird.</span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Pensionsgesch\u00e4fte sind Vertr\u00e4ge, durch die finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte gegen Zahlung eines Betrages \u00fcbertragen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden und in denen gleichzeitig vereinbart wird, dass die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">finanziellen Verm\u00f6genswerte sp\u00e4ter gegen Entrichtung eines</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">im Voraus vereinbarten Betrages an den Pensionsgeber</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zur\u00fcck\u00fcbertragen werden m\u00fcssen. Die finanziellen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerte verbleiben weiterhin in der Bilanz der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">BAWAG und werden nach den f\u00fcr den jeweiligen Bilanzposten</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">geltenden Regeln bewertet. Die aus den Liquidit\u00e4tszufl\u00fcssen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aus den Pensionsgesch\u00e4ften resultierenden Verpflichtungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden, je nach Zweck des Gesch\u00e4ftes, in den Handelspassiva</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">oder in der Position \u201eFinanzielle Verbindlichkeiten aus</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:171.59pt\">Verm\u00f6gens\u00fcbertragungen\u201c ausgewiesen.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bei Reverse-Repo-Gesch\u00e4ften werden finanzielle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verm\u00f6genswerte mit der gleichzeitigen Verpflichtung eines</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:192.63pt\">zuk\u00fcnftigen Verkaufs gegen Entgelt erworben.</span><span class=\"f charStyle-34546584 ps2437\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Als Wertpapierleihe werden Gesch\u00e4fte bezeichnet, bei denen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vom Verleiher Wertpapiere an den Entleiher \u00fcbereignet</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">werden mit der Verpflichtung, dass der Entleiher nach Ablauf</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der vereinbarten Zeit Papiere gleicher Art, G\u00fcte und Menge</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zur\u00fcck\u00fcbertr\u00e4gt und f\u00fcr die Dauer der Leihe ein Entgelt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">entrichtet. Die Bilanzierung der verliehenen Wertpapiere</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erfolgt analog zu Pensionsgesch\u00e4ften. Dabei verbleiben</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">verliehene Wertpapiere im Wertpapierbestand des Konzerns</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und werden nach den Regeln des IFRS 9 bewertet. Bei</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertpapierleihegesch\u00e4ften sind regelm\u00e4\u00dfig Sicherheiten zu</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">stellen. Vom Entleiher gestellte Wertpapiersicherheiten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:167.8pt\">werden von diesem weiterhin bilanziert.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Nettogewinne und -verluste aus Finanzinstrumenten</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Nettogewinne und -verluste aus Finanzinstrumenten umfassen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Ergebnisse aus der Bewertung zum beizulegenden Zeitwert,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Wertminderungen, Ver\u00e4u\u00dferungsgewinne und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wertaufholungen von Finanzinstrumenten und werden nach</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">den IFRS-9-Kategorien gegliedert. Die entsprechenden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Komponenten werden in den Erl\u00e4uterungen zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nettozinsertrag, zu den Gewinnen und Verlusten aus</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">finanziellen Verm\u00f6genswerten und Schulden und zu</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:244.74pt\">Risikokosten f\u00fcr jede einzelne IFRS-9-Kategorie dargestellt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-649": {
   "value": "<div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:231.76pt\">Finanzielle Verm\u00f6genswerte \u2013 Fremdkapitalinstrumente</span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gem\u00e4\u00df IFRS 9 werden finanzielle Verm\u00f6genswerte nach drei</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kategorien klassifiziert: Bewertung zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Anschaffungskosten (Amortised Cost, AC), Bewertung zum</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">beizulegenden Zeitwert \u00fcber das sonstige Ergebnis (Fair Value</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">through Other Comprehensive Income, FVOCI) oder</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bewertung zum beizulegenden Zeitwert \u00fcber die Gewinn- und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:243.85pt\">Verlustrechnung (Fair Value through Profit or Loss, FVTPL).</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">In welche Kategorie ein Finanzinstrument eingeordnet wird, ist</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">einerseits abh\u00e4ngig vom Gesch\u00e4ftsmodell des Unternehmens</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">und andererseits von den vertraglich vereinbarten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:213.73pt\">Zahlungsfl\u00fcssen des finanziellen Verm\u00f6genswertes.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Ein finanzieller Verm\u00f6genswert wird nur dann zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Anschaffungskosten bewertet, wenn das Gesch\u00e4ftsmodell des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Unternehmens darauf abzielt, die finanziellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerte zu halten, und die vertraglich vereinbarten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zahlungsfl\u00fcsse ausschlie\u00dflich Zins- und Tilgungszahlungen auf</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">den ausstehenden Teil des Nominales darstellen (simple loan</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">feature). Ein finanzieller Verm\u00f6genswert wird dann zum</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">beizulegenden Zeitwert \u00fcber das Sonstige Ergebnis bewertet,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">wenn das Gesch\u00e4ftsmodell des Unternehmens darauf abzielt,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">die finanziellen Verm\u00f6genswerte sowohl zu halten als auch zu</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">verkaufen, und die vertraglich vereinbarten Zahlungsfl\u00fcsse</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">ausschlie\u00dflich Zins- und Tilgungszahlungen auf den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">ausstehenden Teil des Nominales darstellen. Alle finanziellen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verm\u00f6genswerte, die diese Kriterien nicht erf\u00fcllen, werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:226.67pt\">erfolgswirksam zum beizulegenden Zeitwert bewertet.</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Agios und Disagios werden mittels Effektivzinsmethode \u00fcber</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die Laufzeit verteilt, der Aufwand bzw. Ertrag wird mit den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zinsertr\u00e4gen aus den entsprechenden Finanzinstrumenten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:48.06pt\">verrechnet.</span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bearbeitungsgeb\u00fchren werden unter Ber\u00fccksichtigung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">damit direkt zusammenh\u00e4ngenden Kosten auf die Laufzeit der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:132.5pt\">Kredite im Zinsergebnis verteilt.</span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Hinsichtlich der Erfassung von Vorsorgen wird auf den</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:101.19pt\">Risikobericht verwiesen.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:262.06pt\">Beurteilung des Gesch\u00e4ftsmodells f\u00fcr finanzielle</span><span class=\"f charStyle-de9217a1 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:70.68pt\">Verm\u00f6genswerte</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:254.13pt\">Die BAWAG hat die folgenden Gesch\u00e4ftsmodelle identifiziert:</span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:177.68pt\">Gesch\u00e4ftsmodell \u201eHalten\u201c (Hold to Collect)</span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.78pt\">Finanzielle Verm\u00f6genswerte in dieser Kategorie werden in</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">der Regel bis zur Endf\u00e4lligkeit gehalten, um vertragliche</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Zahlungsstr\u00f6me aus Tilgungen und Zinsen \u00fcber die Laufzeit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">zu vereinnahmen. Nicht alle Finanzinstrumente in diesem</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Gesch\u00e4ftsmodell m\u00fcssen bis zur Endf\u00e4lligkeit gehalten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">werden. Unter bestimmten Umst\u00e4nden stehen Verk\u00e4ufe in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Einklang mit dem Gesch\u00e4ftsmodell, unabh\u00e4ngig von ihrem</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Volumen und der H\u00e4ufigkeit. Zum Beispiel wenn ein</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Finanzinstrument kurz vor F\u00e4lligkeit verkauft wird und die</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Einnahmen im Wesentlichen den ausstehenden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Zahlungsstr\u00f6men entsprechen, wenn das Finanzinstrument</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">aufgrund einer Bonit\u00e4tsverschlechterung verkauft wird,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Verk\u00e4ufe aufgrund von \u00c4nderungen im Steuer- oder</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Aufsichtsrecht, aufgrund von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Unternehmenszusammenschl\u00fcssen oder Reorganisationen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">oder im Stressszenario. Au\u00dferdem werden Verk\u00e4ufe, deren</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Buchwerte und Ertr\u00e4ge 5% des durchschnittlichen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Buchwertes des Portfolios in einem Jahr nicht \u00fcbersteigen,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:118.92pt\">als unwesentlich angesehen.</span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Gesch\u00e4ftsmodell \u201eHalten und Verkaufen\u201c (Hold to Collect</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:35.62pt\">and Sell)</span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.77pt\">Finanzielle Verm\u00f6genswerte in diesem Gesch\u00e4ftsmodell</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">werden sowohl gehalten, um Zahlungsstr\u00f6me zu</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.82pt\">vereinnahmen, als auch, um sie zu verkaufen. In diesem</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Gesch\u00e4ftsmodell werden vorwiegend liquide Bonds</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">gehalten, welche verkauft, f\u00fcr besicherte Refinanzierungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">mit der Notenbank hinterlegt oder in ein Repo gegeben</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:67.77pt\">werden k\u00f6nnen.</span><span class=\"f charStyle-34546584 ps2412\" style=\"width:2.36pt\"> </span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:111.84pt\">Sonstige Gesch\u00e4ftsmodelle</span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.77pt\">Finanzielle Verm\u00f6genswerte in diesem Gesch\u00e4ftsmodell</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:144.88pt\">werden zur Ver\u00e4u\u00dferung gehalten.</span><span class=\"f charStyle-34546584 ps2413\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:29.38pt\">Handel</span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.76pt\">Zu dieser Kategorie z\u00e4hlen finanzielle Verm\u00f6genswerte und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Verbindlichkeiten, die zu Handelszwecken gehalten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">werden. Diese Finanzinstrumente werden mit ihren</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Marktwerten (Fair Values) angesetzt. S\u00e4mtliche Derivate</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">des Bankbuches, die nicht Teil einer Sicherungsbeziehung</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">sind, werden dieser Kategorie zugeordnet. Die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Handelspassiva umfassen Verbindlichkeiten aus</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:224.57pt\">Derivatgesch\u00e4ften, Leerverk\u00e4ufe und Repo-Gesch\u00e4fte.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bestimmte finanzielle Verm\u00f6genswerte, die nicht die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Definition von Handelsaktiva erf\u00fcllen, werden nach der Fair-</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Value-Option als zum Fair Value bewertet klassifiziert. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">BAWAG hat die Fair-Value-Option zur Vermeidung eines</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Accounting Mismatch angewendet. Dieser liegt beispielsweise</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vor, wenn das Wert\u00e4nderungsrisiko von Wertpapieren und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:184.12pt\">Darlehen durch Derivate abgesichert wurde.</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:262.02pt\">Beurteilung, ob vertragliche Cashflows ausschlie\u00dflich Tilgungs-</span><span class=\"f charStyle-de9217a1 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:262.01pt\">und Zinszahlungen auf den ausstehenden Teil des Nominales</span><span class=\"f charStyle-de9217a1 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:241.01pt\">darstellen (Solely Payments of Principal and Interest, SPPI)</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Um festzustellen, ob ein Finanzinstrument die SPPI-Kriterien</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:234.55pt\">erf\u00fcllt, analysiert die BAWAG ihr Portfolio in drei Stufen:</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">1. Identifizierung aller Finanzinstrumente, die klar die SPPI-</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:73.64pt\">Kriterien erf\u00fcllen;</span><span class=\"f charStyle-34546584 ps2414\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1623\" style=\"width:125.83pt\">2. qualitativer Benchmarktest;</span><span class=\"f charStyle-34546584 ps2415\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1623\" style=\"width:132.08pt\">3. quantitativer Benchmarktest.</span><span class=\"f charStyle-34546584 ps2416\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ein qualitativer oder quantitativer Benchmarktest muss dann</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">durchgef\u00fchrt werden, wenn m\u00f6gliche sch\u00e4dliche Konditionen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vorliegen. Ein qualitativer Benchmarktest ist ausreichend,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">wenn die m\u00f6glicherweise sch\u00e4dliche Kondition bei Vergleich</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">der Zahlungsstr\u00f6me klarerweise unwesentlich ist, z.B.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bestimmte Zinsanpassungsklauseln. In diesem Fall ist kein</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">quantitativer Benchmarktest erforderlich und das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument erf\u00fcllt die SPPI-Kriterien. In allen anderen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">F\u00e4llen ist ein quantitativer Test erforderlich, der die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zahlungsstr\u00f6me des Finanzinstruments mit den</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zahlungsstr\u00f6men eines theoretischen Finanzinstruments mit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">den gleichen Eigenschaften au\u00dfer der sch\u00e4dlichen Kondition</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vergleicht. Wenn die Zahlungsstr\u00f6me wesentlich voneinander</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">abweichen, erf\u00fcllt das Finanzinstrument die SPPI-Kriterien</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">nicht und wird zum beizulegenden Zeitwert \u00fcber die Gewinn-</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:131.07pt\">und Verlustrechnung bilanziert.</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zur Bestimmung der Wesentlichkeit einer sch\u00e4dlichen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">Kondition hat die Bank eine Abweichung von mehr als 5% der</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">kumulativen Zahlungsstr\u00f6me und 1% der j\u00e4hrlichen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zahlungsstr\u00f6me als sch\u00e4dlich definiert. Eine Gruppe von</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Krediten und Wertpapieren besteht aktuell den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Benchmarktest nicht, vorwiegend aufgrund des jeweiligen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:60.56pt\">Zinsindikators.</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Bank hat Darlehen gew\u00e4hrt, die Merkmale enthalten, die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">die vertraglichen Cashflows in Abh\u00e4ngigkeit von der Erf\u00fcllung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">bestimmter vertraglich festgelegter ESG-Ziele durch den</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Darlehensnehmer ver\u00e4ndern, z.B. einen reduzierten Zinssatz,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">wenn der Darlehensnehmer bestimmte Ziele zur Verringerung</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:29.96pt\">der CO</span><span class=\"f charStyle-fe08a940 ps2417\" style=\"width:3.35pt\">2</span><span class=\"f charStyle-34546584 ps2418\" style=\"width:228.7pt\">-Emissionen erf\u00fcllt. Wenn das ESG-Merkmal nur eine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">minimale Auswirkung (+/-5%) auf die vertraglichen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zahlungsstr\u00f6me des Instruments haben k\u00f6nnte, sieht die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:168.4pt\">BAWAG das SPPI-Kriterium als erf\u00fcllt an.</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:79.23pt\">Reklassifizierungen</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Finanzielle Verm\u00f6genswerte werden nach erstmaligem Ansatz</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">nicht reklassifiziert, au\u00dfer in der Periode, in welcher der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:251.55pt\">Konzern das Gesch\u00e4ftsmodell der Finanzinstrumente \u00e4ndert.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:116.44pt\">Vertragliche Modifikationen</span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Werden im Rahmen von Neuverhandlungen von Krediten die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">vertraglichen Zahlungsstr\u00f6me ge\u00e4ndert, so ist eine Beurteilung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">hinsichtlich der Signifikanz der \u00c4nderung erforderlich. Im Falle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">einer nicht signifikanten \u00c4nderung der vertraglichen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zahlungsstr\u00f6me erfolgt eine Anpassung des Bruttobuchwerts</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">des Instruments auf Basis einer Barwertbetrachtung der neuen</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">vertraglichen Zahlungsstr\u00f6me, abgezinst mit dem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">urspr\u00fcnglichen Effektivzinssatz. Die Differenz zwischen dem</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">alten Bruttobuchwert und dem neuen Bruttobuchwert wird</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">erfolgswirksam als Modifizierungsgewinn oder -verlust erfasst</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">und unter den Gewinnen und Verlusten aus finanziellen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:193.72pt\">Verm\u00f6genswerten und Schulden ausgewiesen.</span><span class=\"f charStyle-34546584 ps2422\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Wenn sich die Zahlungsstr\u00f6me signifikant unterscheiden (die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">BAWAG hat hier eine Signifikanzgrenze der Barwert\u00e4nderung</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">von 10% gew\u00e4hlt), gelten die vertraglichen Rechte der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zahlungsstr\u00f6me aus den urspr\u00fcnglichen Instrumenten als</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">verfallen. In diesem Fall wird das urspr\u00fcngliche Instrument</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">ausgebucht, und ein neues finanzielles Instrument wird zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beizulegenden Zeitwert zuz\u00fcglich etwaiger anrechenbarer</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:113.9pt\">Transaktionskosten erfasst.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Weiters erfolgt eine Ausbuchung des urspr\u00fcnglichen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verm\u00f6genswertes, wenn es sich um eine qualitative</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Modifikation des Vertrags handelt. Eine solche liegt vor bei</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">einer \u00c4nderung der Vertragspartei oder der Vertragsw\u00e4hrung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">(es sei denn, dies wurde bereits im urspr\u00fcnglichen Vertrag</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">vereinbart) sowie bei Einf\u00fchrung oder Entfernung einer nicht</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:135.8pt\">SPPI-konformen Vertragsklausel.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Im Fall von Modifikationen, die nicht zu einer Ausbuchung</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">f\u00fchren, beurteilt die BAWAG eine signifikante Erh\u00f6hung des</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Kreditrisikos anhand der Kriterien f\u00fcr den Stufentransfer und</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bestimmt, ob ein 12-Monats-ECL oder ein Lifetime-ECL zu</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">ber\u00fccksichtigen ist. Ein signifikanter Anstieg des Kreditrisikos</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:150pt\">wird beurteilt durch einen Vergleich</span><span class=\"f charStyle-460d27f9 ps2423\" style=\"width:2.26pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">der kumulativen Ausfallswahrscheinlichkeit zum</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Berichtszeitpunkt auf der Grundlage der modifizierten</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:72.82pt\">Bedingungen und</span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">der kumulativen Ausfallswahrscheinlichkeit mit den</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">urspr\u00fcnglichen Vertragsbedingungen, die bei Erstansatz</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:160.53pt\">des Verm\u00f6genswerts gesch\u00e4tzt wurde.</span><span class=\"f charStyle-34546584 ps2424\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Wenn die Vertrags\u00e4nderung bei einem Kredit, der nicht</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wertgemindert ist, zu einer Ausbuchung f\u00fchrt, wird ein neuer</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:175.23pt\">Kredit angesetzt und der Stufe 1 zugeordn</span><span class=\"f charStyle-34546584 ps2425\" style=\"width:11.13pt\">et.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:101.55pt\">Eigenkapitalinstrumente</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">IFRS 9 besagt, dass alle Eigenkapitalinstrumente grunds\u00e4tzlich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zum beizulegenden Zeitwert \u00fcber die Gewinn- und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verlustrechnung bilanziert werden m\u00fcssen, au\u00dfer das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Unternehmen hat beim erstmaligen Ansatz unwiderruflich die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Wahl getroffen, die \u00c4nderungen des beizulegenden Zeitwerts</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">im sonstigen Ergebnis zu erfassen. Dieses Wahlrecht wird pro</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Instrument ausge\u00fcbt und gilt nicht f\u00fcr zu Handelszwecken</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">gehaltene Aktien. Bei Anwendung des Wahlrechtes werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">alle Bewertungen im sonstigen Ergebnis erfasst. Es kommt zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">keiner Umbuchung in die Gewinn- und Verlustrechnung, nur</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Dividenden werden in der Gewinn- und Verlustrechnung</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">ausgewiesen. Das Wahlrecht kann nur bei der erstmaligen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:252.34pt\">Erfassung ausge\u00fcbt und nachtr\u00e4glich nicht ge\u00e4ndert werden.</span><span class=\"f charStyle-34546584 ps2426\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Der Gro\u00dfteil der von der BAWAG gehaltenen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Eigenkapitalinstrumente wird f\u00fcr langfristige Zwecke gehalten,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">und es besteht nicht die Absicht, kurzfristige</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Ver\u00e4u\u00dferungsgewinne zu erzielen. Aus diesem Grund wurde</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">f\u00fcr die meisten Eigenkapitalinstrumente das Wahlrecht der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Bewertung zum beizulegenden Zeitwert im sonstigen Ergebnis</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">ausge\u00fcbt, um die Profitabilit\u00e4t des Konzerns klarer</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">darzustellen. Im Wesentlichen sind davon Beteiligungen an</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">nicht konsolidierten Gesellschaften sowie Investitionen in AT1-</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Instrumente (\u201ezus\u00e4tzliches Kernkapital\u201c) betroffen. F\u00fcr den</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Fall, dass die BAWAG plant, Eigenkapitalinstrumente in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">absehbarer Zeit zu verkaufen, wird \u00fcber das Wahlrecht eine</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:206.49pt\">individuelle Entscheidung je Investition getroffen.</span><span class=\"f charStyle-34546584 ps2427\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps185\" style=\"width:67.74pt\">Wertminderung</span><span class=\"f charStyle-81af04f8 ps2428\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Hinsichtlich Angaben zu Wertminderungen wird auf den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:101.19pt\">Risikobericht verwiesen.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Methoden der Fair-Value-Ermittlung von Finanzinstrumenten</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG zieht zur Beurteilung eines \u201eaktiven Marktes\u201c</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">eines Wertpapieres neben Minimumanforderungen (z.B.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Emissionsgr\u00f6\u00dfe, B\u00f6rsenotiz) Informationen aus</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Handelssystemen (quotierte Volumina, H\u00e4ufigkeit der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Preisstellung) zur Ermittlung der Markttiefe und Liquidit\u00e4t</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:26.86pt\">heran.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Derivate</span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">F\u00fcr die Bewertung von b\u00f6rsengehandelten Gesch\u00e4ften, z.B.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Futures und Futureoptionen, werden B\u00f6rsenkurse</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">herangezogen. Details werden im Anhang unter Note 34</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.93pt\">dargestellt. Einige grunds\u00e4tzliche Angaben seien vorangestellt:</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">Das grundlegende Bewertungsmodell bei Plain-Vanilla-OTC-</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.04pt\">Optionen ist das Optionspreismodell nach Black-Scholes,</span><span class=\"f charStyle-c790e326 ps171\" style=\"width:2.34pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">welches je nach Underlying differiert. Fremdw\u00e4hrungsoptionen</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.04pt\">werden nach dem Garman-Kohlhagen-Modell und</span><span class=\"f charStyle-c790e326 ps171\" style=\"width:2.34pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.01pt\">Zinsoptionen werden nach Black bzw. Hull-White bewertet,</span><span class=\"f charStyle-c790e326 ps150\" style=\"width:2.34pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.02pt\">wobei bei Caps/Floors und Swaptions in W\u00e4hrungen mit</span><span class=\"f charStyle-c790e326 ps148\" style=\"width:2.34pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:229.83pt\">negativen Zinsen das Bachelier-Modell verwendet wird.</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.06pt\">Der Gesamtwert eines Zinsswaps ergibt sich aus den</span><span class=\"f charStyle-c790e326 ps146\" style=\"width:2.34pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.03pt\">Barwerten der fixen und der variablen Seite des Swaps. Bei</span><span class=\"f charStyle-c790e326 ps160\" style=\"width:2.34pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262pt\">Cross-Currency-Swaps (CCS) wird ebenso pro Leg der Barwert</span><span class=\"f charStyle-c790e326 ps167\" style=\"width:2.34pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262pt\">in der jeweiligen Transaktionsw\u00e4hrung ermittelt, der dann in</span><span class=\"f charStyle-c790e326 ps167\" style=\"width:2.34pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.06pt\">die funktionale W\u00e4hrung der Konzerngesellschaft umgerechnet</span><span class=\"f charStyle-c790e326 ps146\" style=\"width:2.34pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:81.59pt\">und summiert wird.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.02pt\">Bei Devisentermingesch\u00e4ften wird der vereinbarte Terminkurs,</span><span class=\"f charStyle-c790e326 ps148\" style=\"width:2.34pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.03pt\">der von den W\u00e4hrungs- und Zinsentwicklungen der beiden</span><span class=\"f charStyle-c790e326 ps160\" style=\"width:2.34pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">W\u00e4hrungen abh\u00e4ngt, dem aktuellen Terminkurs am</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">Bilanzstichtag gegen\u00fcbergestellt und daraus der Wert</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:43.25pt\">errechnet.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Credit Default Swaps (CDS) werden mittels Duffie-Singleton-</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Modell bewertet. Dabei wird auf Basis der Credit Spread Curve</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">die Default Probability Curve (Hazard Rate) ermittelt, mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">deren Hilfe das Protection Leg berechnet wird. Der Marktwert</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">des CDS ergibt sich dann durch Summierung des Protection</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:96.17pt\">und des Premium Legs.</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die BAWAG bestimmt f\u00fcr Bonit\u00e4tsrisiken von OTC-Derivaten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ein Credit (CVA) bzw. ein Debt Value Adjustment (DVA).</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Grunds\u00e4tzlich werden interne Ausfallswahrscheinlichkeiten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(PD) zur Berechnung herangezogen, als Verwertungsquote</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:168.23pt\">(REC) wird standardm\u00e4\u00dfig 0,4 angesetzt.</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">F\u00fcr diese Kontrahenten wird zur Bestimmung des EPE/ENE</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(Expected Positive/Negative Exposure) ein \u201eMarktwert + Add-</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">on\u201c-Modell verwendet. Die Add-on-Berechnung erfolgt f\u00fcr</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">jede Gesch\u00e4ftsart und W\u00e4hrung getrennt und wird</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">grunds\u00e4tzlich aus am Markt beobachtbaren Parametern</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:44.53pt\">abgeleitet.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Sofern ein Nettingagreement vorliegt, werden auch</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nettingeffekte auf Kundenebene innerhalb von Gesch\u00e4ften</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:198.89pt\">selben Typs und selber W\u00e4hrung ber\u00fccksichtigt.</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:205.93pt\">Aus den Diskonts\u00e4tzen, der Kontrahenten-PD und</span><span class=\"f charStyle-34546584 ps2432\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1602\" style=\"width:261.95pt\">-Verlustquote (1-REC) sowie dem EPE bestimmt sich der CVA</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">bzw. aus der BAWAG PD und -Verlustquote sowie dem ENE der</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:20.52pt\">DVA.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Sofern die Risikoabschlagsrate nicht aus Markttransaktionen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">abgeleitet werden kann, wird diese vom Management</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gesch\u00e4tzt. Dies betrifft insbesondere Non-Payment-Risiken</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aufgrund von rechtlichen Unsicherheiten, die nicht vom</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">allgemeinen Credit Spread des Kunden abgeleitet werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">k\u00f6nnen. Sofern die BAWAG davon ausgeht, dass das Gesch\u00e4ft</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">rechtswirksam zustande gekommen ist, weist die Bank auch im</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Falle einer Einrede einen Verm\u00f6genswert aus dem positiven</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:240.47pt\">Marktwert des Gesch\u00e4fts gegen\u00fcber der Gegenpartei aus.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zur Bewertung von finanziellen Verm\u00f6genswerten, deren</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Parameter nicht von Markttransaktionen abgeleitet werden</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">k\u00f6nnen, wird der erwartete Cashflow (samt Verzugszinsen,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">sofern vertraglich vereinbart) wahrscheinlichkeitsgewichtet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">und auf den Tag der Wertermittlung abgezinst. Sind die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">rechtliche Entstehung der Forderung oder ihr Fortbestand im</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Hinblick auf eventuelle Nichtigkeitsgr\u00fcnde oder eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Anfechtung streitig, werden diese rechtlichen Bedenken somit</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:174.67pt\">im Rahmen der Bewertung ber\u00fccksichtigt.</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Im Falle einer Aufl\u00f6sung (Close-out) eines derivativen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gesch\u00e4fts mit einem Kunden ver\u00e4ndert sich die Art der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Forderung der BAWAG. Vor der Vertragsaufl\u00f6sung handelte es</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">sich bei dem Verm\u00f6genswert um ein Derivat, nach dem Close-</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">out um eine vertragliche Forderung, deren H\u00f6he sich nicht</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">mehr in Abh\u00e4ngigkeit von Marktparametern \u00e4ndert. Die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Forderung erf\u00fcllt daher nicht mehr die Definition eines</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:94.82pt\">Derivats gem\u00e4\u00df IFRS 9.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Durch die vorzeitige Beendigung eines Derivatgesch\u00e4fts wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">die Variabilit\u00e4t der Zahlungsstr\u00f6me in Bezug auf H\u00f6he und</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Eintrittszeitpunkt wesentlich ver\u00e4ndert und das urspr\u00fcngliche</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Derivat durch einen neuen Verm\u00f6genswert ersetzt. Dessen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">erstmaliger Ansatz erfolgt nach IFRS 9.5.1.1 zum Fair Value.</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Fair Value entspricht dem Buchwert des Derivats zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zeitpunkt der Vertragsaufl\u00f6sung, welcher dabei auch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">s\u00e4mtliche bis zum Zeitpunkt der Aufl\u00f6sung (Close-out)</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vorgenommenen Bewertungsanpassungen umfasst. Eine aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der Vertragsaufl\u00f6sung entstandene Forderung erf\u00fcllt die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Voraussetzungen nach IFRS 9.4.1.2 zur Einordnung in die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:157.96pt\">Kategorie \u201eKredite und Forderungen\u201c.</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Diese Vorgehensweise wurde in Anlehnung an IFRS 9.3.3.2 und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">IFRS 9.3.2.7 gew\u00e4hlt, da in IFRS 9 keine expliziten Regelungen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bestehen, wie vorzugehen ist, wenn ein Finanzinstrument</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zun\u00e4chst die Merkmale eines Derivats erf\u00fcllt und in sp\u00e4terer</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Folge diese Merkmale nicht mehr erf\u00fcllt werden. Solche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Regelungsl\u00fccken sind gem\u00e4\u00df IAS 8.10 bis 8.12 durch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Anwendung einer \u00e4hnlichen Regelung in den IFRS und unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:200.61pt\">Bedachtnahme auf das Framework zu schlie\u00dfen.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Credit Linked Notes</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Die Bewertung von Credit Linked Notes, f\u00fcr die keine aktiven</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">M\u00e4rkte existieren, erfolgt anhand von Bewertungsmodellen.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Credit Linked Notes (CLNs) sind Schuldverschreibungen, deren</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">R\u00fcckzahlungsh\u00f6he von bestimmten vertraglich vereinbarten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Ereignissen abh\u00e4ngt. In der Regel sind es</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Schuldverschreibungen, die neben dem Ausfall des Emittenten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">synthetisch (via Credit Default Swap, CDS) auch das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ausfallsrisiko einer oder mehrerer weiterer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Referenzschuldverschreibungen tragen. Die Bewertung von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">CLNs ergibt sich aus Bond- bzw. CDS-Spreads von Emittent und</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:250.67pt\">Referenzschuldverschreibung, Kupon sowie der Restlaufzeit.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">F\u00fcr die Bewertungen komplexer Strukturen werden auch</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Bewertungen externer Experten herangezogen, die einer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:171.95pt\">Plausibilit\u00e4tspr\u00fcfung unterzogen werden.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Bewertung der Asset Backed Investments</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Jede Position des Collateralized-Loan-Obligation(CLO)-</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Portfolios der BAWAG unterliegt den monatlichen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bewertungen, die auf Basis des Bewertungstools von Moody\u2019s</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Analytics durchgef\u00fchrt werden. Der Bewertungsprozess wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">innerhalb der CDOnet-Funktionalit\u00e4t von Moody\u2019s Structured</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Finance Solutions auf Basis der Barwertmethodik</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">durchgef\u00fchrt. Das Modell verwendet die bereits in Moody\u2019s</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Structured Finance verf\u00fcgbaren Inputs (z.B. Cashflows,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">origin\u00e4re Spreads f\u00fcr jede Tranche, Weighted Average</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Maturity usw.) sowie zus\u00e4tzliche Parameter (haupts\u00e4chlich die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Spreads f\u00fcr die Diskontierung am relevanten Bewertungstag),</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die unabh\u00e4ngig vom Marktrisiko aus vergleichbaren CLO-</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Tranchen (in Bezug auf Bonit\u00e4t, CLO-Art, durchschnittliche</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Subordination usw.) abgeleitet werden. Als Quelle f\u00fcr aktuelle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Diskontierungsspreads werden einerseits das Moody\u2019s</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Structured Finance Portal, andrerseits weitere externe</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:234.09pt\">Datenquellen (z.B. Wells Fargo Securities) herangezogen</span><span class=\"f charStyle-34546584 ps2433\" style=\"width:2.62pt\">.</span><span class=\"f charStyle-34546584 ps2434\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Bewertung von Beteiligungen</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Zur Ermittlung des Fair Value der Beteiligungen wurden die</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">geplanten Aussch\u00fcttungen mit dem jeweils der Beteiligung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zugrunde liegenden marktbezogenen Diskontierungssatz nach</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Steuern abgezinst. Diese Prognosen ber\u00fccksichtigen die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aktuellsten Forecasts, einschlie\u00dflich der beobachteten und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">erwarteten Auswirkungen des Russland-Ukraine-Konflikts und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">weiterer globaler Risiken auf die Rentabilit\u00e4t der betreffenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:60.84pt\">Unternehmen.</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zur Ermittlung des Nutzungswerts von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Beteiligungsunternehmens wurden die geplanten m\u00f6glichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Dividenden herangezogen und f\u00fcr die Barwertermittlung mit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">dem jeweils zugrunde liegenden marktbezogenen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:179.9pt\">Diskontierungssatz nach Steuern abgezinst.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Der f\u00fcr die Bewertung herangezogene Planungshorizont</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">bel\u00e4uft sich im Regelfall auf f\u00fcnf Jahre. Die zugrunde gelegten</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">langfristigen Wachstumsraten liegen bei Going-Concern-</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Betrachtung in der Regel bei 1,0%. Soweit erforderlich,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">wurden entsprechende unternehmensspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewinnthesaurierungen im Rahmen der Ermittlung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Continuing Values und der detaillierten Planungsphase</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:61.07pt\">ber\u00fccksichtigt.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Der Diskontierungssatz nach Steuern setzt sich aus den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Komponenten risikoloser Basiszinssatz, l\u00e4nderspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Marktrisikopr\u00e4mie sowie Betafaktor zusammen. Zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.14pt\">31.\u00a0Dezember 2025 werden folgende Werte herangezogen:</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">Als risikoloser Basiszinssatz (3,54%) wird die gem\u00e4\u00df der</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Svensson-Methode aus den von der Deutschen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Bundesbank ver\u00f6ffentlichten Parametern errechnete 30-</span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">j\u00e4hrige Spotrate herangezogen (2024: 2,59%; 30-j\u00e4hrige</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:41.58pt\">Spotrate).</span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Als Anhaltspunkt f\u00fcr die l\u00e4nderspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Marktrisikopr\u00e4mie dienen die Damodaran-Homepage und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">die Empfehlung der Kammer der Wirtschaftstreuh\u00e4nder.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Die BAWAG verwendet f\u00fcr die Ermittlung des</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Diskontierungszinssatzes eine nominelle Marktrendite von</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">9,5% (2024: 9,5%). Unter Ber\u00fccksichtigung des risikoloser</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Basiszinssatzes von 3,54% wurde sich eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:220.15pt\">Marktrisikopr\u00e4mie von 5,96% (2024: 6,91%) gew\u00e4hlt.</span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Bei der Ermittlung des Betafaktors f\u00fcr Banken und</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Finanzdienstleistungsunternehmen (0,88) wird der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Mittelwert des w\u00f6chentlichen Zweijahresdurchschnitts von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">zehn an europ\u00e4ischen B\u00f6rsen notierenden Banken mit</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Schwerpunkt Retail-Gesch\u00e4ft herangezogen. Zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Vermeidung von nicht nachhaltigen \u00dcberbetonungen des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Marktes aufgrund von einmaligen Ereignissen und Krisen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">wird ein rollierender Betafaktor abgeleitet, es werden \u00fcber</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">12 Quartale die Zwei-Jahres-Betas der Peer-Group gebildet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">und daraus der Mittelwert herangezogen (rollierendes</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1534 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Beta). Als Quelle dient hierf\u00fcr Bloomberg. F\u00fcr die Peer</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1535 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">Group qualifizieren sich nur Banken mit einem R\u00b2</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">(Determinationskoeffizient) von zumindest 0,15 und / oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">einem Wert f\u00fcr den t-Test (Hypothesentest) von zumindest</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">1,98. Der Betafaktor f\u00fcr Nichtbanken betr\u00e4gt 1,0</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">(ausgenommen f\u00fcr B\u00f6rsen mit einem Betafaktor von 0,82),</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">welcher eine spezifische Gr\u00f6\u00dfe f\u00fcr Nichtbanken und kein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">allgemeines Marktrisiko darstellt. (2024: Bei der Ermittlung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">des Betafaktors f\u00fcr Banken und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Finanzdienstleistungsunternehmen (0,93) wird der</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Mittelwert des w\u00f6chentlichen Zweijahresdurchschnitts von</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">zehn an europ\u00e4ischen B\u00f6rsen notierenden Banken mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Schwerpunkt Retail-Gesch\u00e4ft herangezogen. Zur</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Vermeidung von nicht nachhaltigen \u00dcberbetonungen des</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Marktes aufgrund von einmaligen Ereignissen und Krisen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">wird ein rollierender Betafaktor abgeleitet, es werden \u00fcber</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">12 Quartale die Zwei-Jahres-Betas der Peer-Group gebildet</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">und daraus der Mittelwert herangezogen (rollierendes</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">Beta). Als Quelle dient hierf\u00fcr Bloomberg. F\u00fcr die Peer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">Group qualifizieren sich nur Banken mit einem R\u00b2</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">(Determinationskoeffizient) von zumindest 0,15 und / oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">einem Wert f\u00fcr den t-Test (Hypothesentest) von zumindest</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">1,98. Der Betafaktor f\u00fcr Nichtbanken betr\u00e4gt 1,0</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">(ausgenommen f\u00fcr B\u00f6rsen mit einem Betafaktor von 0,81),</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">welcher eine spezifische Gr\u00f6\u00dfe f\u00fcr Nichtbanken und kein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:142.11pt\">allgemeines Marktrisiko darstellt.)</span><span class=\"f charStyle-34546584 ps2435\" style=\"width:2.36pt\"> </span><span class=\"f charStyle-34546584 ps2436\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">\u00dcbertragung von Finanzinstrumenten</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Ausbuchung eines finanziellen Verm\u00f6genswerts erfolgt,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">sobald die wirtschaftlichen Ergebnisse aus dem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument dem Konzern nicht mehr zustehen, d.h.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">regelm\u00e4\u00dfig dann, wenn die Rechte und Pflichten aus dem</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument auf einen Dritten durch Aus\u00fcbung,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Ver\u00e4u\u00dferung oder Abtretung \u00fcbergehen bzw. der Konzern die</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.61pt\">Verf\u00fcgungsmacht verloren hat oder wenn die Rechte verfallen.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bei \u00dcbertragungen von finanziellen Verm\u00f6genswerten, bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">denen die BAWAG ma\u00dfgebliche Rechte und Verpflichtungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zur\u00fcckbehalten hat, erfolgt weiterhin ein Ausweis in der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:61.1pt\">Konzernbilanz.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Eine Verbindlichkeit wird ausgebucht, wenn die mit ihr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:248.65pt\">verbundene Verpflichtung beglichen oder aufgehoben wird.</span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Pensionsgesch\u00e4fte sind Vertr\u00e4ge, durch die finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte gegen Zahlung eines Betrages \u00fcbertragen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden und in denen gleichzeitig vereinbart wird, dass die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">finanziellen Verm\u00f6genswerte sp\u00e4ter gegen Entrichtung eines</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">im Voraus vereinbarten Betrages an den Pensionsgeber</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zur\u00fcck\u00fcbertragen werden m\u00fcssen. Die finanziellen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerte verbleiben weiterhin in der Bilanz der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">BAWAG und werden nach den f\u00fcr den jeweiligen Bilanzposten</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">geltenden Regeln bewertet. Die aus den Liquidit\u00e4tszufl\u00fcssen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aus den Pensionsgesch\u00e4ften resultierenden Verpflichtungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden, je nach Zweck des Gesch\u00e4ftes, in den Handelspassiva</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">oder in der Position \u201eFinanzielle Verbindlichkeiten aus</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:171.59pt\">Verm\u00f6gens\u00fcbertragungen\u201c ausgewiesen.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bei Reverse-Repo-Gesch\u00e4ften werden finanzielle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verm\u00f6genswerte mit der gleichzeitigen Verpflichtung eines</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:192.63pt\">zuk\u00fcnftigen Verkaufs gegen Entgelt erworben.</span><span class=\"f charStyle-34546584 ps2437\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Als Wertpapierleihe werden Gesch\u00e4fte bezeichnet, bei denen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vom Verleiher Wertpapiere an den Entleiher \u00fcbereignet</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">werden mit der Verpflichtung, dass der Entleiher nach Ablauf</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der vereinbarten Zeit Papiere gleicher Art, G\u00fcte und Menge</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zur\u00fcck\u00fcbertr\u00e4gt und f\u00fcr die Dauer der Leihe ein Entgelt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">entrichtet. Die Bilanzierung der verliehenen Wertpapiere</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erfolgt analog zu Pensionsgesch\u00e4ften. Dabei verbleiben</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">verliehene Wertpapiere im Wertpapierbestand des Konzerns</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und werden nach den Regeln des IFRS 9 bewertet. Bei</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertpapierleihegesch\u00e4ften sind regelm\u00e4\u00dfig Sicherheiten zu</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">stellen. Vom Entleiher gestellte Wertpapiersicherheiten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:167.8pt\">werden von diesem weiterhin bilanziert.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Nettogewinne und -verluste aus Finanzinstrumenten</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Nettogewinne und -verluste aus Finanzinstrumenten umfassen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Ergebnisse aus der Bewertung zum beizulegenden Zeitwert,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Wertminderungen, Ver\u00e4u\u00dferungsgewinne und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wertaufholungen von Finanzinstrumenten und werden nach</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">den IFRS-9-Kategorien gegliedert. Die entsprechenden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Komponenten werden in den Erl\u00e4uterungen zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nettozinsertrag, zu den Gewinnen und Verlusten aus</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">finanziellen Verm\u00f6genswerten und Schulden und zu</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:244.74pt\">Risikokosten f\u00fcr jede einzelne IFRS-9-Kategorie dargestellt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialAssetsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-648": {
   "value": "<div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:231.76pt\">Finanzielle Verm\u00f6genswerte \u2013 Fremdkapitalinstrumente</span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gem\u00e4\u00df IFRS 9 werden finanzielle Verm\u00f6genswerte nach drei</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kategorien klassifiziert: Bewertung zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Anschaffungskosten (Amortised Cost, AC), Bewertung zum</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">beizulegenden Zeitwert \u00fcber das sonstige Ergebnis (Fair Value</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">through Other Comprehensive Income, FVOCI) oder</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bewertung zum beizulegenden Zeitwert \u00fcber die Gewinn- und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:243.85pt\">Verlustrechnung (Fair Value through Profit or Loss, FVTPL).</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">In welche Kategorie ein Finanzinstrument eingeordnet wird, ist</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">einerseits abh\u00e4ngig vom Gesch\u00e4ftsmodell des Unternehmens</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">und andererseits von den vertraglich vereinbarten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:213.73pt\">Zahlungsfl\u00fcssen des finanziellen Verm\u00f6genswertes.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Ein finanzieller Verm\u00f6genswert wird nur dann zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Anschaffungskosten bewertet, wenn das Gesch\u00e4ftsmodell des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Unternehmens darauf abzielt, die finanziellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerte zu halten, und die vertraglich vereinbarten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zahlungsfl\u00fcsse ausschlie\u00dflich Zins- und Tilgungszahlungen auf</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">den ausstehenden Teil des Nominales darstellen (simple loan</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">feature). Ein finanzieller Verm\u00f6genswert wird dann zum</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">beizulegenden Zeitwert \u00fcber das Sonstige Ergebnis bewertet,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">wenn das Gesch\u00e4ftsmodell des Unternehmens darauf abzielt,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">die finanziellen Verm\u00f6genswerte sowohl zu halten als auch zu</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">verkaufen, und die vertraglich vereinbarten Zahlungsfl\u00fcsse</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">ausschlie\u00dflich Zins- und Tilgungszahlungen auf den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">ausstehenden Teil des Nominales darstellen. Alle finanziellen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verm\u00f6genswerte, die diese Kriterien nicht erf\u00fcllen, werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:226.67pt\">erfolgswirksam zum beizulegenden Zeitwert bewertet.</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Agios und Disagios werden mittels Effektivzinsmethode \u00fcber</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die Laufzeit verteilt, der Aufwand bzw. Ertrag wird mit den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zinsertr\u00e4gen aus den entsprechenden Finanzinstrumenten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:48.06pt\">verrechnet.</span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bearbeitungsgeb\u00fchren werden unter Ber\u00fccksichtigung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">damit direkt zusammenh\u00e4ngenden Kosten auf die Laufzeit der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:132.5pt\">Kredite im Zinsergebnis verteilt.</span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Hinsichtlich der Erfassung von Vorsorgen wird auf den</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:101.19pt\">Risikobericht verwiesen.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:262.06pt\">Beurteilung des Gesch\u00e4ftsmodells f\u00fcr finanzielle</span><span class=\"f charStyle-de9217a1 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:70.68pt\">Verm\u00f6genswerte</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:254.13pt\">Die BAWAG hat die folgenden Gesch\u00e4ftsmodelle identifiziert:</span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:177.68pt\">Gesch\u00e4ftsmodell \u201eHalten\u201c (Hold to Collect)</span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.78pt\">Finanzielle Verm\u00f6genswerte in dieser Kategorie werden in</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">der Regel bis zur Endf\u00e4lligkeit gehalten, um vertragliche</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Zahlungsstr\u00f6me aus Tilgungen und Zinsen \u00fcber die Laufzeit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">zu vereinnahmen. Nicht alle Finanzinstrumente in diesem</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Gesch\u00e4ftsmodell m\u00fcssen bis zur Endf\u00e4lligkeit gehalten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">werden. Unter bestimmten Umst\u00e4nden stehen Verk\u00e4ufe in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Einklang mit dem Gesch\u00e4ftsmodell, unabh\u00e4ngig von ihrem</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Volumen und der H\u00e4ufigkeit. Zum Beispiel wenn ein</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Finanzinstrument kurz vor F\u00e4lligkeit verkauft wird und die</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Einnahmen im Wesentlichen den ausstehenden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Zahlungsstr\u00f6men entsprechen, wenn das Finanzinstrument</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">aufgrund einer Bonit\u00e4tsverschlechterung verkauft wird,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Verk\u00e4ufe aufgrund von \u00c4nderungen im Steuer- oder</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Aufsichtsrecht, aufgrund von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Unternehmenszusammenschl\u00fcssen oder Reorganisationen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">oder im Stressszenario. Au\u00dferdem werden Verk\u00e4ufe, deren</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Buchwerte und Ertr\u00e4ge 5% des durchschnittlichen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Buchwertes des Portfolios in einem Jahr nicht \u00fcbersteigen,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:118.92pt\">als unwesentlich angesehen.</span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Gesch\u00e4ftsmodell \u201eHalten und Verkaufen\u201c (Hold to Collect</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:35.62pt\">and Sell)</span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.77pt\">Finanzielle Verm\u00f6genswerte in diesem Gesch\u00e4ftsmodell</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">werden sowohl gehalten, um Zahlungsstr\u00f6me zu</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.82pt\">vereinnahmen, als auch, um sie zu verkaufen. In diesem</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Gesch\u00e4ftsmodell werden vorwiegend liquide Bonds</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">gehalten, welche verkauft, f\u00fcr besicherte Refinanzierungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">mit der Notenbank hinterlegt oder in ein Repo gegeben</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:67.77pt\">werden k\u00f6nnen.</span><span class=\"f charStyle-34546584 ps2412\" style=\"width:2.36pt\"> </span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:111.84pt\">Sonstige Gesch\u00e4ftsmodelle</span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.77pt\">Finanzielle Verm\u00f6genswerte in diesem Gesch\u00e4ftsmodell</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:144.88pt\">werden zur Ver\u00e4u\u00dferung gehalten.</span><span class=\"f charStyle-34546584 ps2413\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:29.38pt\">Handel</span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.76pt\">Zu dieser Kategorie z\u00e4hlen finanzielle Verm\u00f6genswerte und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Verbindlichkeiten, die zu Handelszwecken gehalten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">werden. Diese Finanzinstrumente werden mit ihren</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Marktwerten (Fair Values) angesetzt. S\u00e4mtliche Derivate</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">des Bankbuches, die nicht Teil einer Sicherungsbeziehung</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">sind, werden dieser Kategorie zugeordnet. Die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Handelspassiva umfassen Verbindlichkeiten aus</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:224.57pt\">Derivatgesch\u00e4ften, Leerverk\u00e4ufe und Repo-Gesch\u00e4fte.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bestimmte finanzielle Verm\u00f6genswerte, die nicht die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Definition von Handelsaktiva erf\u00fcllen, werden nach der Fair-</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Value-Option als zum Fair Value bewertet klassifiziert. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">BAWAG hat die Fair-Value-Option zur Vermeidung eines</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Accounting Mismatch angewendet. Dieser liegt beispielsweise</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vor, wenn das Wert\u00e4nderungsrisiko von Wertpapieren und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:184.12pt\">Darlehen durch Derivate abgesichert wurde.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:118.12pt\">Finanzielle Verbindlichkeiten</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.13pt\">Gem\u00e4\u00df IFRS 9 werden finanzielle Verpflichtungen, die nicht</span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:164.3pt\">zu Handelszwecken bestimmt sind oder</span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">der Position \u201eFinanzielle Verbindlichkeiten, die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">erfolgswirksam zum beizulegenden Zeitwert bewertet</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:122.34pt\">werden\u201c zugeordnet werden,</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:197.55pt\">zu fortgef\u00fchrten Anschaffungskosten bewertet.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Fair-Value-\u00c4nderungen bei Verbindlichkeiten der Fair-Value-</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:192.27pt\">Option werden folgenderma\u00dfen ausgewiesen:</span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">der Betrag der Ver\u00e4nderung des beizulegenden Zeitwerts,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:189.85pt\">der aus dem Ausfallsrisiko der Verbindlichkeit</span><span class=\"f charStyle-34546584 ps2419\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:222.67pt\">resultiert, wird im sonstigen Ergebnis dargestellt; und</span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">die restliche Ver\u00e4nderung des beizulegenden Zeitwerts</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">wird erfolgswirksam in der Gewinn- und Verlustrechnung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:47.05pt\">dargestellt.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Bestimmte finanzielle Verpflichtungen, die nicht die Definition</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">von Handelspassiva erf\u00fcllen, werden nach der Fair-Value-</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Option als zum Fair Value bewertet klassifiziert. Die BAWAG</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Group hat die Fair-Value-Option in folgenden F\u00e4llen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:54.4pt\">angewendet:</span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:167.47pt\">Vermeidung eines Accounting Mismatch</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2420\" style=\"width:3.16pt\">-<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps2421\" style=\"width:239.55pt\">Fest verzinste Eigene Emissionen, deren Fair Value zum</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2421\" style=\"width:221.83pt\">Erwerbszeitpunkt durch Zinsderivate gesichert wurde</span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:136.95pt\">Vorliegen eingebetteter Derivate</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2420\" style=\"width:3.16pt\">-<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps2421\" style=\"width:197.57pt\">Eigene Emissionen mit eingebetteten Derivaten</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Methoden der Fair-Value-Ermittlung von Finanzinstrumenten</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG zieht zur Beurteilung eines \u201eaktiven Marktes\u201c</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">eines Wertpapieres neben Minimumanforderungen (z.B.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Emissionsgr\u00f6\u00dfe, B\u00f6rsenotiz) Informationen aus</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Handelssystemen (quotierte Volumina, H\u00e4ufigkeit der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Preisstellung) zur Ermittlung der Markttiefe und Liquidit\u00e4t</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:26.86pt\">heran.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Derivate</span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">F\u00fcr die Bewertung von b\u00f6rsengehandelten Gesch\u00e4ften, z.B.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Futures und Futureoptionen, werden B\u00f6rsenkurse</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">herangezogen. Details werden im Anhang unter Note 34</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.93pt\">dargestellt. Einige grunds\u00e4tzliche Angaben seien vorangestellt:</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">Das grundlegende Bewertungsmodell bei Plain-Vanilla-OTC-</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.04pt\">Optionen ist das Optionspreismodell nach Black-Scholes,</span><span class=\"f charStyle-c790e326 ps171\" style=\"width:2.34pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">welches je nach Underlying differiert. Fremdw\u00e4hrungsoptionen</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.04pt\">werden nach dem Garman-Kohlhagen-Modell und</span><span class=\"f charStyle-c790e326 ps171\" style=\"width:2.34pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.01pt\">Zinsoptionen werden nach Black bzw. Hull-White bewertet,</span><span class=\"f charStyle-c790e326 ps150\" style=\"width:2.34pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.02pt\">wobei bei Caps/Floors und Swaptions in W\u00e4hrungen mit</span><span class=\"f charStyle-c790e326 ps148\" style=\"width:2.34pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:229.83pt\">negativen Zinsen das Bachelier-Modell verwendet wird.</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.06pt\">Der Gesamtwert eines Zinsswaps ergibt sich aus den</span><span class=\"f charStyle-c790e326 ps146\" style=\"width:2.34pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.03pt\">Barwerten der fixen und der variablen Seite des Swaps. Bei</span><span class=\"f charStyle-c790e326 ps160\" style=\"width:2.34pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262pt\">Cross-Currency-Swaps (CCS) wird ebenso pro Leg der Barwert</span><span class=\"f charStyle-c790e326 ps167\" style=\"width:2.34pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262pt\">in der jeweiligen Transaktionsw\u00e4hrung ermittelt, der dann in</span><span class=\"f charStyle-c790e326 ps167\" style=\"width:2.34pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.06pt\">die funktionale W\u00e4hrung der Konzerngesellschaft umgerechnet</span><span class=\"f charStyle-c790e326 ps146\" style=\"width:2.34pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:81.59pt\">und summiert wird.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.02pt\">Bei Devisentermingesch\u00e4ften wird der vereinbarte Terminkurs,</span><span class=\"f charStyle-c790e326 ps148\" style=\"width:2.34pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.03pt\">der von den W\u00e4hrungs- und Zinsentwicklungen der beiden</span><span class=\"f charStyle-c790e326 ps160\" style=\"width:2.34pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">W\u00e4hrungen abh\u00e4ngt, dem aktuellen Terminkurs am</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">Bilanzstichtag gegen\u00fcbergestellt und daraus der Wert</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:43.25pt\">errechnet.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Credit Default Swaps (CDS) werden mittels Duffie-Singleton-</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Modell bewertet. Dabei wird auf Basis der Credit Spread Curve</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">die Default Probability Curve (Hazard Rate) ermittelt, mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">deren Hilfe das Protection Leg berechnet wird. Der Marktwert</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">des CDS ergibt sich dann durch Summierung des Protection</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:96.17pt\">und des Premium Legs.</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die BAWAG bestimmt f\u00fcr Bonit\u00e4tsrisiken von OTC-Derivaten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ein Credit (CVA) bzw. ein Debt Value Adjustment (DVA).</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Grunds\u00e4tzlich werden interne Ausfallswahrscheinlichkeiten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(PD) zur Berechnung herangezogen, als Verwertungsquote</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:168.23pt\">(REC) wird standardm\u00e4\u00dfig 0,4 angesetzt.</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">F\u00fcr diese Kontrahenten wird zur Bestimmung des EPE/ENE</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(Expected Positive/Negative Exposure) ein \u201eMarktwert + Add-</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">on\u201c-Modell verwendet. Die Add-on-Berechnung erfolgt f\u00fcr</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">jede Gesch\u00e4ftsart und W\u00e4hrung getrennt und wird</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">grunds\u00e4tzlich aus am Markt beobachtbaren Parametern</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:44.53pt\">abgeleitet.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Sofern ein Nettingagreement vorliegt, werden auch</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nettingeffekte auf Kundenebene innerhalb von Gesch\u00e4ften</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:198.89pt\">selben Typs und selber W\u00e4hrung ber\u00fccksichtigt.</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:205.93pt\">Aus den Diskonts\u00e4tzen, der Kontrahenten-PD und</span><span class=\"f charStyle-34546584 ps2432\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1602\" style=\"width:261.95pt\">-Verlustquote (1-REC) sowie dem EPE bestimmt sich der CVA</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">bzw. aus der BAWAG PD und -Verlustquote sowie dem ENE der</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:20.52pt\">DVA.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Sofern die Risikoabschlagsrate nicht aus Markttransaktionen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">abgeleitet werden kann, wird diese vom Management</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gesch\u00e4tzt. Dies betrifft insbesondere Non-Payment-Risiken</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aufgrund von rechtlichen Unsicherheiten, die nicht vom</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">allgemeinen Credit Spread des Kunden abgeleitet werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">k\u00f6nnen. Sofern die BAWAG davon ausgeht, dass das Gesch\u00e4ft</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">rechtswirksam zustande gekommen ist, weist die Bank auch im</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Falle einer Einrede einen Verm\u00f6genswert aus dem positiven</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:240.47pt\">Marktwert des Gesch\u00e4fts gegen\u00fcber der Gegenpartei aus.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zur Bewertung von finanziellen Verm\u00f6genswerten, deren</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Parameter nicht von Markttransaktionen abgeleitet werden</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">k\u00f6nnen, wird der erwartete Cashflow (samt Verzugszinsen,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">sofern vertraglich vereinbart) wahrscheinlichkeitsgewichtet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">und auf den Tag der Wertermittlung abgezinst. Sind die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">rechtliche Entstehung der Forderung oder ihr Fortbestand im</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Hinblick auf eventuelle Nichtigkeitsgr\u00fcnde oder eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Anfechtung streitig, werden diese rechtlichen Bedenken somit</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:174.67pt\">im Rahmen der Bewertung ber\u00fccksichtigt.</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Im Falle einer Aufl\u00f6sung (Close-out) eines derivativen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gesch\u00e4fts mit einem Kunden ver\u00e4ndert sich die Art der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Forderung der BAWAG. Vor der Vertragsaufl\u00f6sung handelte es</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">sich bei dem Verm\u00f6genswert um ein Derivat, nach dem Close-</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">out um eine vertragliche Forderung, deren H\u00f6he sich nicht</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">mehr in Abh\u00e4ngigkeit von Marktparametern \u00e4ndert. Die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Forderung erf\u00fcllt daher nicht mehr die Definition eines</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:94.82pt\">Derivats gem\u00e4\u00df IFRS 9.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Durch die vorzeitige Beendigung eines Derivatgesch\u00e4fts wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">die Variabilit\u00e4t der Zahlungsstr\u00f6me in Bezug auf H\u00f6he und</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Eintrittszeitpunkt wesentlich ver\u00e4ndert und das urspr\u00fcngliche</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Derivat durch einen neuen Verm\u00f6genswert ersetzt. Dessen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">erstmaliger Ansatz erfolgt nach IFRS 9.5.1.1 zum Fair Value.</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Fair Value entspricht dem Buchwert des Derivats zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zeitpunkt der Vertragsaufl\u00f6sung, welcher dabei auch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">s\u00e4mtliche bis zum Zeitpunkt der Aufl\u00f6sung (Close-out)</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vorgenommenen Bewertungsanpassungen umfasst. Eine aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der Vertragsaufl\u00f6sung entstandene Forderung erf\u00fcllt die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Voraussetzungen nach IFRS 9.4.1.2 zur Einordnung in die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:157.96pt\">Kategorie \u201eKredite und Forderungen\u201c.</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Diese Vorgehensweise wurde in Anlehnung an IFRS 9.3.3.2 und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">IFRS 9.3.2.7 gew\u00e4hlt, da in IFRS 9 keine expliziten Regelungen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bestehen, wie vorzugehen ist, wenn ein Finanzinstrument</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zun\u00e4chst die Merkmale eines Derivats erf\u00fcllt und in sp\u00e4terer</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Folge diese Merkmale nicht mehr erf\u00fcllt werden. Solche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Regelungsl\u00fccken sind gem\u00e4\u00df IAS 8.10 bis 8.12 durch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Anwendung einer \u00e4hnlichen Regelung in den IFRS und unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:200.61pt\">Bedachtnahme auf das Framework zu schlie\u00dfen.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Credit Linked Notes</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Die Bewertung von Credit Linked Notes, f\u00fcr die keine aktiven</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">M\u00e4rkte existieren, erfolgt anhand von Bewertungsmodellen.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Credit Linked Notes (CLNs) sind Schuldverschreibungen, deren</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">R\u00fcckzahlungsh\u00f6he von bestimmten vertraglich vereinbarten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Ereignissen abh\u00e4ngt. In der Regel sind es</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Schuldverschreibungen, die neben dem Ausfall des Emittenten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">synthetisch (via Credit Default Swap, CDS) auch das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ausfallsrisiko einer oder mehrerer weiterer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Referenzschuldverschreibungen tragen. Die Bewertung von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">CLNs ergibt sich aus Bond- bzw. CDS-Spreads von Emittent und</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:250.67pt\">Referenzschuldverschreibung, Kupon sowie der Restlaufzeit.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">F\u00fcr die Bewertungen komplexer Strukturen werden auch</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Bewertungen externer Experten herangezogen, die einer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:171.95pt\">Plausibilit\u00e4tspr\u00fcfung unterzogen werden.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Bewertung der Asset Backed Investments</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Jede Position des Collateralized-Loan-Obligation(CLO)-</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Portfolios der BAWAG unterliegt den monatlichen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bewertungen, die auf Basis des Bewertungstools von Moody\u2019s</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Analytics durchgef\u00fchrt werden. Der Bewertungsprozess wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">innerhalb der CDOnet-Funktionalit\u00e4t von Moody\u2019s Structured</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Finance Solutions auf Basis der Barwertmethodik</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">durchgef\u00fchrt. Das Modell verwendet die bereits in Moody\u2019s</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Structured Finance verf\u00fcgbaren Inputs (z.B. Cashflows,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">origin\u00e4re Spreads f\u00fcr jede Tranche, Weighted Average</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Maturity usw.) sowie zus\u00e4tzliche Parameter (haupts\u00e4chlich die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Spreads f\u00fcr die Diskontierung am relevanten Bewertungstag),</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die unabh\u00e4ngig vom Marktrisiko aus vergleichbaren CLO-</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Tranchen (in Bezug auf Bonit\u00e4t, CLO-Art, durchschnittliche</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Subordination usw.) abgeleitet werden. Als Quelle f\u00fcr aktuelle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Diskontierungsspreads werden einerseits das Moody\u2019s</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Structured Finance Portal, andrerseits weitere externe</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:234.09pt\">Datenquellen (z.B. Wells Fargo Securities) herangezogen</span><span class=\"f charStyle-34546584 ps2433\" style=\"width:2.62pt\">.</span><span class=\"f charStyle-34546584 ps2434\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Bewertung von Beteiligungen</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Zur Ermittlung des Fair Value der Beteiligungen wurden die</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">geplanten Aussch\u00fcttungen mit dem jeweils der Beteiligung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zugrunde liegenden marktbezogenen Diskontierungssatz nach</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Steuern abgezinst. Diese Prognosen ber\u00fccksichtigen die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aktuellsten Forecasts, einschlie\u00dflich der beobachteten und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">erwarteten Auswirkungen des Russland-Ukraine-Konflikts und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">weiterer globaler Risiken auf die Rentabilit\u00e4t der betreffenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:60.84pt\">Unternehmen.</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zur Ermittlung des Nutzungswerts von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Beteiligungsunternehmens wurden die geplanten m\u00f6glichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Dividenden herangezogen und f\u00fcr die Barwertermittlung mit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">dem jeweils zugrunde liegenden marktbezogenen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:179.9pt\">Diskontierungssatz nach Steuern abgezinst.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Der f\u00fcr die Bewertung herangezogene Planungshorizont</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">bel\u00e4uft sich im Regelfall auf f\u00fcnf Jahre. Die zugrunde gelegten</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">langfristigen Wachstumsraten liegen bei Going-Concern-</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Betrachtung in der Regel bei 1,0%. Soweit erforderlich,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">wurden entsprechende unternehmensspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewinnthesaurierungen im Rahmen der Ermittlung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Continuing Values und der detaillierten Planungsphase</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:61.07pt\">ber\u00fccksichtigt.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Der Diskontierungssatz nach Steuern setzt sich aus den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Komponenten risikoloser Basiszinssatz, l\u00e4nderspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Marktrisikopr\u00e4mie sowie Betafaktor zusammen. Zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.14pt\">31.\u00a0Dezember 2025 werden folgende Werte herangezogen:</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">Als risikoloser Basiszinssatz (3,54%) wird die gem\u00e4\u00df der</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Svensson-Methode aus den von der Deutschen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Bundesbank ver\u00f6ffentlichten Parametern errechnete 30-</span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">j\u00e4hrige Spotrate herangezogen (2024: 2,59%; 30-j\u00e4hrige</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:41.58pt\">Spotrate).</span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Als Anhaltspunkt f\u00fcr die l\u00e4nderspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Marktrisikopr\u00e4mie dienen die Damodaran-Homepage und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">die Empfehlung der Kammer der Wirtschaftstreuh\u00e4nder.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Die BAWAG verwendet f\u00fcr die Ermittlung des</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Diskontierungszinssatzes eine nominelle Marktrendite von</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">9,5% (2024: 9,5%). Unter Ber\u00fccksichtigung des risikoloser</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Basiszinssatzes von 3,54% wurde sich eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:220.15pt\">Marktrisikopr\u00e4mie von 5,96% (2024: 6,91%) gew\u00e4hlt.</span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Bei der Ermittlung des Betafaktors f\u00fcr Banken und</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Finanzdienstleistungsunternehmen (0,88) wird der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Mittelwert des w\u00f6chentlichen Zweijahresdurchschnitts von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">zehn an europ\u00e4ischen B\u00f6rsen notierenden Banken mit</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Schwerpunkt Retail-Gesch\u00e4ft herangezogen. Zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Vermeidung von nicht nachhaltigen \u00dcberbetonungen des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Marktes aufgrund von einmaligen Ereignissen und Krisen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">wird ein rollierender Betafaktor abgeleitet, es werden \u00fcber</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">12 Quartale die Zwei-Jahres-Betas der Peer-Group gebildet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">und daraus der Mittelwert herangezogen (rollierendes</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1534 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Beta). Als Quelle dient hierf\u00fcr Bloomberg. F\u00fcr die Peer</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1535 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">Group qualifizieren sich nur Banken mit einem R\u00b2</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">(Determinationskoeffizient) von zumindest 0,15 und / oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">einem Wert f\u00fcr den t-Test (Hypothesentest) von zumindest</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">1,98. Der Betafaktor f\u00fcr Nichtbanken betr\u00e4gt 1,0</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">(ausgenommen f\u00fcr B\u00f6rsen mit einem Betafaktor von 0,82),</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">welcher eine spezifische Gr\u00f6\u00dfe f\u00fcr Nichtbanken und kein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">allgemeines Marktrisiko darstellt. (2024: Bei der Ermittlung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">des Betafaktors f\u00fcr Banken und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Finanzdienstleistungsunternehmen (0,93) wird der</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Mittelwert des w\u00f6chentlichen Zweijahresdurchschnitts von</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">zehn an europ\u00e4ischen B\u00f6rsen notierenden Banken mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Schwerpunkt Retail-Gesch\u00e4ft herangezogen. Zur</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Vermeidung von nicht nachhaltigen \u00dcberbetonungen des</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Marktes aufgrund von einmaligen Ereignissen und Krisen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">wird ein rollierender Betafaktor abgeleitet, es werden \u00fcber</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">12 Quartale die Zwei-Jahres-Betas der Peer-Group gebildet</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">und daraus der Mittelwert herangezogen (rollierendes</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">Beta). Als Quelle dient hierf\u00fcr Bloomberg. F\u00fcr die Peer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">Group qualifizieren sich nur Banken mit einem R\u00b2</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">(Determinationskoeffizient) von zumindest 0,15 und / oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">einem Wert f\u00fcr den t-Test (Hypothesentest) von zumindest</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">1,98. Der Betafaktor f\u00fcr Nichtbanken betr\u00e4gt 1,0</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">(ausgenommen f\u00fcr B\u00f6rsen mit einem Betafaktor von 0,81),</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">welcher eine spezifische Gr\u00f6\u00dfe f\u00fcr Nichtbanken und kein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:142.11pt\">allgemeines Marktrisiko darstellt.)</span><span class=\"f charStyle-34546584 ps2435\" style=\"width:2.36pt\"> </span><span class=\"f charStyle-34546584 ps2436\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">\u00dcbertragung von Finanzinstrumenten</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Ausbuchung eines finanziellen Verm\u00f6genswerts erfolgt,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">sobald die wirtschaftlichen Ergebnisse aus dem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument dem Konzern nicht mehr zustehen, d.h.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">regelm\u00e4\u00dfig dann, wenn die Rechte und Pflichten aus dem</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument auf einen Dritten durch Aus\u00fcbung,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Ver\u00e4u\u00dferung oder Abtretung \u00fcbergehen bzw. der Konzern die</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.61pt\">Verf\u00fcgungsmacht verloren hat oder wenn die Rechte verfallen.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bei \u00dcbertragungen von finanziellen Verm\u00f6genswerten, bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">denen die BAWAG ma\u00dfgebliche Rechte und Verpflichtungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zur\u00fcckbehalten hat, erfolgt weiterhin ein Ausweis in der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:61.1pt\">Konzernbilanz.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Eine Verbindlichkeit wird ausgebucht, wenn die mit ihr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:248.65pt\">verbundene Verpflichtung beglichen oder aufgehoben wird.</span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Pensionsgesch\u00e4fte sind Vertr\u00e4ge, durch die finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte gegen Zahlung eines Betrages \u00fcbertragen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden und in denen gleichzeitig vereinbart wird, dass die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">finanziellen Verm\u00f6genswerte sp\u00e4ter gegen Entrichtung eines</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">im Voraus vereinbarten Betrages an den Pensionsgeber</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zur\u00fcck\u00fcbertragen werden m\u00fcssen. Die finanziellen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerte verbleiben weiterhin in der Bilanz der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">BAWAG und werden nach den f\u00fcr den jeweiligen Bilanzposten</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">geltenden Regeln bewertet. Die aus den Liquidit\u00e4tszufl\u00fcssen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aus den Pensionsgesch\u00e4ften resultierenden Verpflichtungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden, je nach Zweck des Gesch\u00e4ftes, in den Handelspassiva</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">oder in der Position \u201eFinanzielle Verbindlichkeiten aus</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:171.59pt\">Verm\u00f6gens\u00fcbertragungen\u201c ausgewiesen.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bei Reverse-Repo-Gesch\u00e4ften werden finanzielle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verm\u00f6genswerte mit der gleichzeitigen Verpflichtung eines</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:192.63pt\">zuk\u00fcnftigen Verkaufs gegen Entgelt erworben.</span><span class=\"f charStyle-34546584 ps2437\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Als Wertpapierleihe werden Gesch\u00e4fte bezeichnet, bei denen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vom Verleiher Wertpapiere an den Entleiher \u00fcbereignet</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">werden mit der Verpflichtung, dass der Entleiher nach Ablauf</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der vereinbarten Zeit Papiere gleicher Art, G\u00fcte und Menge</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zur\u00fcck\u00fcbertr\u00e4gt und f\u00fcr die Dauer der Leihe ein Entgelt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">entrichtet. Die Bilanzierung der verliehenen Wertpapiere</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erfolgt analog zu Pensionsgesch\u00e4ften. Dabei verbleiben</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">verliehene Wertpapiere im Wertpapierbestand des Konzerns</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und werden nach den Regeln des IFRS 9 bewertet. Bei</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertpapierleihegesch\u00e4ften sind regelm\u00e4\u00dfig Sicherheiten zu</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">stellen. Vom Entleiher gestellte Wertpapiersicherheiten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:167.8pt\">werden von diesem weiterhin bilanziert.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Nettogewinne und -verluste aus Finanzinstrumenten</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Nettogewinne und -verluste aus Finanzinstrumenten umfassen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Ergebnisse aus der Bewertung zum beizulegenden Zeitwert,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Wertminderungen, Ver\u00e4u\u00dferungsgewinne und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wertaufholungen von Finanzinstrumenten und werden nach</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">den IFRS-9-Kategorien gegliedert. Die entsprechenden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Komponenten werden in den Erl\u00e4uterungen zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nettozinsertrag, zu den Gewinnen und Verlusten aus</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">finanziellen Verm\u00f6genswerten und Schulden und zu</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:244.74pt\">Risikokosten f\u00fcr jede einzelne IFRS-9-Kategorie dargestellt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-651": {
   "value": "<span class=\"f charStyle-34546584 ps369\" style=\"width:29.38pt\">Handel</span><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.76pt\">Zu dieser Kategorie z\u00e4hlen finanzielle Verm\u00f6genswerte und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Verbindlichkeiten, die zu Handelszwecken gehalten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">werden. Diese Finanzinstrumente werden mit ihren</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Marktwerten (Fair Values) angesetzt. S\u00e4mtliche Derivate</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">des Bankbuches, die nicht Teil einer Sicherungsbeziehung</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">sind, werden dieser Kategorie zugeordnet. Die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Handelspassiva umfassen Verbindlichkeiten aus</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:224.57pt\">Derivatgesch\u00e4ften, Leerverk\u00e4ufe und Repo-Gesch\u00e4fte.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Bilanzierung von Sicherungsbeziehungen (Hedge Accounting)</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Die BAWAG hat sich entschieden, weiterhin Hedge Accounting</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:114.48pt\">gem\u00e4\u00df IAS 39 anzuwenden.</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die BAWAG verwendet Fair-Value-Hedge-Accounting, um</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Absicherungen gegen Zins\u00e4nderungsrisiken bei</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">festverzinslichen Finanzinstrumenten darzustellen. Als</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Sicherungsgesch\u00e4fte werden \u00fcberwiegend Zinsswaps</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">verwendet. Die Grundgesch\u00e4fte umfassen Wertpapiere der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kategorie \u201eIm sonstigen Ergebnis ausgewiesene zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Verm\u00f6genswerte\u201c sowie Eigene Emissionen, Kundeneinlagen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und Forderungen an Kunden, die zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Anschaffungskosten bewertet werden. Die BAWAG wendet die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Vorschriften zur Bilanzierung der Absicherung von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Zahlungsstr\u00f6men (\u201eCashflow Hedge\u201c) nach IAS 39 f\u00fcr mit</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">hoher Wahrscheinlichkeit eintretende zuk\u00fcnftige</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zahlungsstr\u00f6me aus bestimmten Fremdw\u00e4hrungsportfolien</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">an. Als Sicherungsgesch\u00e4fte werden Cross-Currency-Swaps</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:128.42pt\">sowie FX-Outrights verwendet.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Nach den allgemeinen Regelungen werden Derivate als</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Handelsaktiva oder Handelspassiva klassifiziert und zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">beizulegenden Zeitwert (Fair Value) bewertet. Das</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bewertungsergebnis wird in der Position \u201eGewinne und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Verluste aus finanziellen Verm\u00f6genswerten und Schulden\u201c als</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Gewinne (Verluste) aus finanziellen Verm\u00f6genswerten im</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Handelsbestand ausgewiesen. Werden Derivate zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Absicherung von Risiken aus Nichthandelsgesch\u00e4ften</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">eingesetzt, wendet die BAWAG bei Erf\u00fcllung der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Voraussetzungen gem\u00e4\u00df IAS 39 Hedge Accounting</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:183.03pt\">(Bilanzierung von Sicherungsgesch\u00e4ften) an.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zu Beginn des Hedge Accountings werden die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Sicherungsbeziehung zwischen Grund- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Sicherungsgesch\u00e4ft, die Ziele des Risikomanagements und die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Methode zur Messung der Effektivit\u00e4t der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Sicherungsbeziehung dokumentiert. Die BAWAG \u00fcberpr\u00fcft am</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Beginn der Sicherungsbeziehung sowie zumindest an jedem</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Bilanzstichtag, ob die Kompensation der \u00c4nderungen der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">beizulegenden Zeitwerte aus Grund- und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sicherungsgesch\u00e4ften in Bezug auf das abgesicherte Risiko in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:104.25pt\">hohem Ma\u00dfe effektiv ist.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Das Zinsrisiko, f\u00fcr das der Konzern Hedge Accounting</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">anwendet, ergibt sich aus festverzinslichen Emissionen,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kundeneinlagen, Darlehen und festverzinslichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Schuldverschreibungen, deren beizulegender Zeitwert bei</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u00c4nderung der Referenzzinss\u00e4tze schwankt. Der Konzern sichert</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zins\u00e4nderungsrisiken nur im Rahmen von Referenzzinss\u00e4tzen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">ab, da die Marktwert\u00e4nderungen eines festverzinslichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verm\u00f6genswertes oder einer Verbindlichkeit wesentlich durch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">\u00c4nderungen des Referenzzinssatzes beeinflusst werden. Hedge</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Accounting wird angewendet, wenn wirtschaftliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sicherungsbeziehungen die Kriterien des Hedge Accounting</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:34.97pt\">erf\u00fcllen.</span><span class=\"f charStyle-34546584 ps2429\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG verfolgt einen konservativen Ansatz bei der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Steuerung ihrer Markt- und Zinsrisiken. Die Zinsrisikoposition</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">wird strategisch auf IFRS-Konzernebene gesteuert und auf</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Basis der \u00f6konomischen Sichtweise sowie nach der IFRS-</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bewertungskategorie (FVTPL, FVTOCI) gemessen, limitiert und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">gesteuert. Der Zinsrisikomanagementansatz konzentriert sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">auf die Reduktion von Marktrisiken und nutzt dabei nat\u00fcrliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Absicherungsm\u00f6glichkeiten der Bilanz sowie Derivate zur</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:122.03pt\">Steuerung der Risikoposition.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Das Fremdw\u00e4hrungsrisiko, f\u00fcr das der Konzern Cashflow</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Hedge Accounting anwendet, ergibt sich aus zuk\u00fcnftigen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zahlungsstr\u00f6men von Fremdw\u00e4hrungsportfolien, deren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beizulegender Zeitwert bei \u00c4nderung des FX-Kurses schwankt.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zur Absicherung des Fremdw\u00e4hrungsrisikos kommen im</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Konzern sowohl FX-Outrights als auch Cross-Currency-Swaps</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">zur Anwendung, da deren Marktwertver\u00e4nderung im</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wesentlichen von der \u00c4nderung des FX-Kurses beeinflusst</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:21.18pt\">wird.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">W\u00e4hrungsrisiken werden als gering eingestuft, da die BAWAG</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">eine Strategie zur Absicherung von W\u00e4hrungsrisiken</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">resultierend aus Kapital- und Zinszahlungen verfolgt. Die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risikoposition wird t\u00e4glich \u00fcberwacht und innerhalb enger</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Limite gesteuert. Dar\u00fcber hinaus wendet der Konzern</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Cashflow-Hedge-Accounting an, um das Fremdw\u00e4hrungsrisiko</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:249.97pt\">aus zuk\u00fcnftig erwarteten Spread-Einnahmen zu minimieren.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Durch den Einsatz derivativer Finanzinstrumente zur</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Absicherung von Zins\u00e4nderungs- und Fremdw\u00e4hrungsrisiken</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">setzt sich der Konzern auch dem Kreditrisiko der derivativen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gegenpartei aus, das nicht durch das abgesicherte</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Grundgesch\u00e4ft ausgeglichen wird. Die Gruppe minimiert das</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kontrahentenausfallsrisiko bei derivativen Instrumenten,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">indem sie Gesch\u00e4fte mit qualitativ hochwertigen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Gegenparteien abschlie\u00dft und von den Gegenparteien</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:243.01pt\">verlangt, Sicherheiten zu stellen und \u00fcber CCPs zu clearen.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bei Vorliegen von effektiven Sicherungsbeziehungen, die zur</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verringerung des Marktwertrisikos eingesetzt werden, wendet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:187.12pt\">die BAWAG Fair-Value-Hedge-Accounting an.</span></div><div class=\"ps248 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Mikro-Fair-Value-Hedge</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Beim Mikro-Fair-Value-Hedge werden ein finanzieller</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verm\u00f6genswert oder eine finanzielle Verbindlichkeit oder eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gruppe von gleichartigen finanziellen Verm\u00f6genswerten oder</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">finanziellen Verbindlichkeiten gegen Marktwert\u00e4nderungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">abgesichert. Wert\u00e4nderungen von Grund- und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Sicherungsgesch\u00e4ft werden in derselben Periode in der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Gewinn- und Verlustrechnung im Posten \u201eGewinne und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verluste aus finanziellen Verm\u00f6genswerten und Schulden\u201c</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erfasst. Dabei wird das Sicherungsinstrument erfolgswirksam</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">zum Fair Value angesetzt und das Grundgesch\u00e4ft um jene Fair-</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Value-\u00c4nderungen erfolgswirksam fortgeschrieben, die sich in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:178.81pt\">Bezug auf das abgesicherte Risiko ergeben.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Sobald das Sicherungsgesch\u00e4ft ver\u00e4u\u00dfert, ausge\u00fcbt oder f\u00e4llig</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">wird oder wenn die Voraussetzungen f\u00fcr die Qualifikation zum</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Hedge Accounting nicht mehr erf\u00fcllt sind, wird die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:197.23pt\">Bilanzierung der Sicherungsbeziehung beendet.</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Bis zu diesem Zeitpunkt erfolgte Bewertungsanpassungen des</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Grundgesch\u00e4fts werden \u00fcber die Restlaufzeit verteilt in der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:157.64pt\">Gewinn- und Verlustrechnung erfasst.</span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">F\u00fcr andere Arten von Anpassungen des beizulegenden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zeitwerts beziehungsweise bei Ver\u00e4u\u00dferung oder</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">anderweitiger Ausbuchung der durch eine Absicherung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">beizulegenden Zeitwerts gesicherten Verm\u00f6genswerte oder</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verbindlichkeiten werden die Anpassungen des beizulegenden</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zeitwerts bei der Ermittlung des bei Ausbuchung realisierten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:156.95pt\">Gewinns oder Verlusts ber\u00fccksichtigt.</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Da die wesentlichen Bewertungsparameter der Swaps und der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">entsprechenden Grundgesch\u00e4fte gleich sind, f\u00fchrt die BAWAG</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">eine qualitative prospektive Effektivit\u00e4tsbeurteilung durch. Es</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">wird erwartet, dass sich der Wert der Swaps und der Wert der</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">entsprechenden Grundgesch\u00e4fte in Abh\u00e4ngigkeit von der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zinsver\u00e4nderung in entgegengesetzter Richtung \u00e4ndern</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">werden. Die Hauptursache f\u00fcr die Ineffektivit\u00e4t von</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sicherungsgesch\u00e4ften ist, dass zur Bestimmung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">beizulegenden Zeitwerts von Sicherungsgesch\u00e4ften und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">gesicherten Grundgesch\u00e4ften unterschiedliche</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Diskontierungskurven verwendet werden (OIS vs. IBOR-</span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:54.77pt\">Discounting).</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Portfolio-Fair-Value-Hedge</span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Die BAWAG wendet die Vorschriften zur Bilanzierung der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Absicherung des beizulegenden Zeitwerts eines Portfolios</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">gegen Zins\u00e4nderungsrisiken an. Im Rahmen der Bilanzierung</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">hat der Konzern Sichteinlagen in Euro wie auch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Kundenforderungen mit Zinsober- und Zinsuntergrenzen sowie</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Fixzinskredite als Portfolien identifiziert, die gegen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zins\u00e4nderungsrisiken abgesichert werden sollen. Diese werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">entsprechend den erwarteten R\u00fcckzahlungs- und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zinsanpassungsterminen in Laufzeitb\u00e4nder eingeteilt. Als</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Grundgesch\u00e4ft f\u00fcr den Portfolio-Fair-Value-Hedge bestimmt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">die BAWAG aus dem identifizierten Portfolio einen Betrag von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verbindlichkeiten respektive Forderungen, der abgesichert</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">werden soll. Die Zu- und Abg\u00e4nge werden unter Anwendung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Bodensatzmethode (\u201eBottom-Layer-Approach\u201c) zun\u00e4chst</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">dem nicht designierten Teil der identifizierten Portfolien</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zugeordnet. Die BAWAG wendet hierbei den EU-Carve-out zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">IAS 39 an, der es erm\u00f6glicht, Sichteinlagen und \u00e4hnliche</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Instrumente auf Basis der erwarteten Abhebungs- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">F\u00e4lligkeitstermine als Bestandteil einer Sicherungsbeziehung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zu designieren. Der EU-Carve-out zu IAS 39 erm\u00f6glicht auch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:167.04pt\">die Anwendung der Bodensatzmethode.</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">F\u00fcr die bilanzielle Abbildung werden die Wert\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Grundgesch\u00e4fte, die auf das abgesicherte Risiko</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zur\u00fcckzuf\u00fchren sind, als separater Bilanzposten unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bewertungsanpassungen f\u00fcr gegen Zins\u00e4nderungsrisiken</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">abgesicherte Portfolien in der Bilanz erfasst. Wert\u00e4nderungen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">von Grund- und Sicherungsgesch\u00e4ft werden in derselben</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Periode in der Gewinn- und Verlustrechnung im Posten</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u201eGewinne und Verluste aus finanziellen Verm\u00f6genswerten und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:75.28pt\">Schulden\u201c erfasst.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Neben dem oben im Mikro-Fair-Value-Hedge-Abschnitt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">genannten Grund (OIS / IBOR-Basisspread) treten Ineffizienzen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">im Portfolio-Fair-Value-Hedge-Accounting auf, wenn das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Volumen der Absicherungsgesch\u00e4fte das tats\u00e4chliche Exposure</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:158.65pt\">der gesicherten Positionen \u00fcbersteigt.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Cashflow-Hedge</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die BAWAG wendet die Vorschriften zur Bilanzierung der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Absicherung von Zahlungsstr\u00f6men (\u201eCashflow Hedge\u201c) nach</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">IAS 39 f\u00fcr mit hoher Wahrscheinlichkeit eintretende</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zuk\u00fcnftige Zahlungsstr\u00f6me aus bestimmten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:124.02pt\">Fremdw\u00e4hrungsportfolien an.</span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die BAWAG hat zuk\u00fcnftige Margeneink\u00fcnfte aus GBP-, CHF-</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und USD-Verm\u00f6genswerten als Grundgesch\u00e4fte identifiziert,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">welche gegen das Risiko schwankender Zahlungsstr\u00f6me aus</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:260.06pt\">der Ver\u00e4nderung von Fremdw\u00e4hrungskursen abzusichern sind.</span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">IAS 39 erlaubt Teile von hochwahrscheinlichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zahlungsstr\u00f6men als Grundgesch\u00e4ft zu designieren. Die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">BAWAG widmet jeweils die ersten Zahlungsstr\u00f6me f\u00fcr eine</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:170.77pt\">definierte Zeitperiode als Grundgesch\u00e4ft.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Ver\u00e4nderungen aus dem beizulegenden Zeitwert der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Sicherungsinstrumente werden in der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gesamtergebnisrechnung unter \u201eCashflow-Hedge-R\u00fccklage\u201c</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">gezeigt. H\u00e4tte die BAWAG 2025 die Bestimmungen des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Cashflow Hedge nicht angewandt, w\u00e4re ein Gewinn von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.96pt\">71\u00a0Mio.\u00a0\u20ac (2024: Verlust von 57\u00a0Mio.\u00a0\u20ac) in der Gewinn- und</span><span class=\"f charStyle-34546584 ps1370\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verlustrechnung unter \u201eGewinne und Verluste aus finanziellen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:232.32pt\">Verm\u00f6genswerten und Schulden\u201c ausgewiesen worden.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Neben dem oben im Mikro-Fair-Value-Hedge-Abschnitt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">genannten Grund (OIS / IBOR-Basisspread) treten Ineffizienzen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">im Cashflow-Hedge-Accounting auf, wenn die erwarteten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Cashflows die tats\u00e4chlichen Cashflows der gesicherten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:98.46pt\">Positionen \u00fcbersteigen.</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Absicherung einer Nettoinvestition in einen ausl\u00e4ndischen </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Gesch\u00e4ftsbetrieb</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die BAWAG wendet das Net Investment Hedge Accounting</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gem\u00e4\u00df IAS 39 f\u00fcr Nettoinvestitionen in Tochtergesellschaften</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:206.06pt\">an, deren funktionale W\u00e4hrung nicht der Euro ist.</span><span class=\"f charStyle-34546584 ps2430\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die Absicherung einer Nettoinvestition nach IAS 39 wird zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Minderung der Auswirkungen in der Gewinn- und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verlustrechnung aus Instrumenten zur Absicherung des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Fremdw\u00e4hrungsrisikos angewendet. Das abgesicherte Risiko</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">ist definiert als das Fremdw\u00e4hrungsrisiko, das sich aus der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">funktionalen W\u00e4hrung des ausl\u00e4ndischen Gesch\u00e4ftsbetriebs</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">(derzeit CHF und USD) und der funktionalen W\u00e4hrung des</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:167.88pt\">Mutterunternehmens, dem Euro, ergibt.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Das Sicherungsinstrument wird zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">bewertet, wobei der effektive Teil seiner Ver\u00e4nderungen im</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">sonstigen Gesamtergebnis in einer separaten Komponente des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Eigenkapitals erfasst wird. Jeder ineffektive Teil des Gewinns</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">oder Verlusts aus dem Sicherungsinstrument wird in der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Gewinn- und Verlustrechnung erfasst, wenn die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Marktwert\u00e4nderung des Sicherungsinstruments die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Marktwert\u00e4nderung des gesicherten Grundgesch\u00e4fts</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:45.12pt\">\u00fcbersteigt.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Im sonstigen Gesamtergebnis werden die Wert\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sicherungsinstrumente unter Absicherung einer</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Nettoinvestition in ausl\u00e4ndische Gesch\u00e4ftsbetriebe</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">ausgewiesen. Im Jahr 2025 w\u00e4ren Fair-Value-Gewinne in H\u00f6he</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.95pt\">von 22,3\u00a0Mio.\u00a0\u20ac (2024: Verluste von 8,8\u00a0Mio.\u00a0\u20ac) in der Position</span><span class=\"f charStyle-34546584 ps2431\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Gewinne und Verluste aus Finanzinstrumenten in der Gewinn-</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">und Verlustrechnung ausgewiesen worden, wenn die BAWAG</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:243.33pt\">kein Net Investment Hedge Accounting angewendet h\u00e4tte.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Ineffizienzen aus der Absicherung einer Nettoinvestition</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">ergeben sich aus dem Sicherungsinstrument (Terminkontrakt),</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">das einen Fremdw\u00e4hrungsbasisspread enth\u00e4lt, der nicht im</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Grundgesch\u00e4ft (der Nettoinvestition) enthalten ist. Dar\u00fcber</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">hinaus kann es zu einer Ineffektivit\u00e4t kommen, wenn der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Buchwert der Nettoinvestition unter den urspr\u00fcnglich</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gewidmeten Betrag f\u00e4llt oder wenn das abgesicherte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Grundgesch\u00e4ft und das Sicherungsinstrument</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">unterschiedlichen Kontrahentenrisiken unterliegen (z.B. OIS-</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:177.87pt\">Diskontierung des Sicherungsinstruments).</span></div></div><div class=\"ps257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Methoden der Fair-Value-Ermittlung von Finanzinstrumenten</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG zieht zur Beurteilung eines \u201eaktiven Marktes\u201c</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">eines Wertpapieres neben Minimumanforderungen (z.B.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Emissionsgr\u00f6\u00dfe, B\u00f6rsenotiz) Informationen aus</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Handelssystemen (quotierte Volumina, H\u00e4ufigkeit der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Preisstellung) zur Ermittlung der Markttiefe und Liquidit\u00e4t</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:26.86pt\">heran.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Derivate</span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">F\u00fcr die Bewertung von b\u00f6rsengehandelten Gesch\u00e4ften, z.B.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Futures und Futureoptionen, werden B\u00f6rsenkurse</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">herangezogen. Details werden im Anhang unter Note 34</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.93pt\">dargestellt. Einige grunds\u00e4tzliche Angaben seien vorangestellt:</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">Das grundlegende Bewertungsmodell bei Plain-Vanilla-OTC-</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.04pt\">Optionen ist das Optionspreismodell nach Black-Scholes,</span><span class=\"f charStyle-c790e326 ps171\" style=\"width:2.34pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">welches je nach Underlying differiert. Fremdw\u00e4hrungsoptionen</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.04pt\">werden nach dem Garman-Kohlhagen-Modell und</span><span class=\"f charStyle-c790e326 ps171\" style=\"width:2.34pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.01pt\">Zinsoptionen werden nach Black bzw. Hull-White bewertet,</span><span class=\"f charStyle-c790e326 ps150\" style=\"width:2.34pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.02pt\">wobei bei Caps/Floors und Swaptions in W\u00e4hrungen mit</span><span class=\"f charStyle-c790e326 ps148\" style=\"width:2.34pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:229.83pt\">negativen Zinsen das Bachelier-Modell verwendet wird.</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.06pt\">Der Gesamtwert eines Zinsswaps ergibt sich aus den</span><span class=\"f charStyle-c790e326 ps146\" style=\"width:2.34pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.03pt\">Barwerten der fixen und der variablen Seite des Swaps. Bei</span><span class=\"f charStyle-c790e326 ps160\" style=\"width:2.34pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262pt\">Cross-Currency-Swaps (CCS) wird ebenso pro Leg der Barwert</span><span class=\"f charStyle-c790e326 ps167\" style=\"width:2.34pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262pt\">in der jeweiligen Transaktionsw\u00e4hrung ermittelt, der dann in</span><span class=\"f charStyle-c790e326 ps167\" style=\"width:2.34pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.06pt\">die funktionale W\u00e4hrung der Konzerngesellschaft umgerechnet</span><span class=\"f charStyle-c790e326 ps146\" style=\"width:2.34pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:81.59pt\">und summiert wird.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.02pt\">Bei Devisentermingesch\u00e4ften wird der vereinbarte Terminkurs,</span><span class=\"f charStyle-c790e326 ps148\" style=\"width:2.34pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.03pt\">der von den W\u00e4hrungs- und Zinsentwicklungen der beiden</span><span class=\"f charStyle-c790e326 ps160\" style=\"width:2.34pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">W\u00e4hrungen abh\u00e4ngt, dem aktuellen Terminkurs am</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">Bilanzstichtag gegen\u00fcbergestellt und daraus der Wert</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:43.25pt\">errechnet.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Credit Default Swaps (CDS) werden mittels Duffie-Singleton-</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Modell bewertet. Dabei wird auf Basis der Credit Spread Curve</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">die Default Probability Curve (Hazard Rate) ermittelt, mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">deren Hilfe das Protection Leg berechnet wird. Der Marktwert</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">des CDS ergibt sich dann durch Summierung des Protection</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:96.17pt\">und des Premium Legs.</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die BAWAG bestimmt f\u00fcr Bonit\u00e4tsrisiken von OTC-Derivaten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ein Credit (CVA) bzw. ein Debt Value Adjustment (DVA).</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Grunds\u00e4tzlich werden interne Ausfallswahrscheinlichkeiten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(PD) zur Berechnung herangezogen, als Verwertungsquote</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:168.23pt\">(REC) wird standardm\u00e4\u00dfig 0,4 angesetzt.</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">F\u00fcr diese Kontrahenten wird zur Bestimmung des EPE/ENE</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(Expected Positive/Negative Exposure) ein \u201eMarktwert + Add-</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">on\u201c-Modell verwendet. Die Add-on-Berechnung erfolgt f\u00fcr</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">jede Gesch\u00e4ftsart und W\u00e4hrung getrennt und wird</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">grunds\u00e4tzlich aus am Markt beobachtbaren Parametern</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:44.53pt\">abgeleitet.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Sofern ein Nettingagreement vorliegt, werden auch</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nettingeffekte auf Kundenebene innerhalb von Gesch\u00e4ften</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:198.89pt\">selben Typs und selber W\u00e4hrung ber\u00fccksichtigt.</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:205.93pt\">Aus den Diskonts\u00e4tzen, der Kontrahenten-PD und</span><span class=\"f charStyle-34546584 ps2432\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1602\" style=\"width:261.95pt\">-Verlustquote (1-REC) sowie dem EPE bestimmt sich der CVA</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">bzw. aus der BAWAG PD und -Verlustquote sowie dem ENE der</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:20.52pt\">DVA.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Sofern die Risikoabschlagsrate nicht aus Markttransaktionen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">abgeleitet werden kann, wird diese vom Management</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gesch\u00e4tzt. Dies betrifft insbesondere Non-Payment-Risiken</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aufgrund von rechtlichen Unsicherheiten, die nicht vom</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">allgemeinen Credit Spread des Kunden abgeleitet werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">k\u00f6nnen. Sofern die BAWAG davon ausgeht, dass das Gesch\u00e4ft</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">rechtswirksam zustande gekommen ist, weist die Bank auch im</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Falle einer Einrede einen Verm\u00f6genswert aus dem positiven</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:240.47pt\">Marktwert des Gesch\u00e4fts gegen\u00fcber der Gegenpartei aus.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zur Bewertung von finanziellen Verm\u00f6genswerten, deren</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Parameter nicht von Markttransaktionen abgeleitet werden</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">k\u00f6nnen, wird der erwartete Cashflow (samt Verzugszinsen,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">sofern vertraglich vereinbart) wahrscheinlichkeitsgewichtet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">und auf den Tag der Wertermittlung abgezinst. Sind die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">rechtliche Entstehung der Forderung oder ihr Fortbestand im</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Hinblick auf eventuelle Nichtigkeitsgr\u00fcnde oder eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Anfechtung streitig, werden diese rechtlichen Bedenken somit</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:174.67pt\">im Rahmen der Bewertung ber\u00fccksichtigt.</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Im Falle einer Aufl\u00f6sung (Close-out) eines derivativen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gesch\u00e4fts mit einem Kunden ver\u00e4ndert sich die Art der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Forderung der BAWAG. Vor der Vertragsaufl\u00f6sung handelte es</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">sich bei dem Verm\u00f6genswert um ein Derivat, nach dem Close-</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">out um eine vertragliche Forderung, deren H\u00f6he sich nicht</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">mehr in Abh\u00e4ngigkeit von Marktparametern \u00e4ndert. Die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Forderung erf\u00fcllt daher nicht mehr die Definition eines</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:94.82pt\">Derivats gem\u00e4\u00df IFRS 9.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Durch die vorzeitige Beendigung eines Derivatgesch\u00e4fts wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">die Variabilit\u00e4t der Zahlungsstr\u00f6me in Bezug auf H\u00f6he und</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Eintrittszeitpunkt wesentlich ver\u00e4ndert und das urspr\u00fcngliche</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Derivat durch einen neuen Verm\u00f6genswert ersetzt. Dessen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">erstmaliger Ansatz erfolgt nach IFRS 9.5.1.1 zum Fair Value.</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Fair Value entspricht dem Buchwert des Derivats zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zeitpunkt der Vertragsaufl\u00f6sung, welcher dabei auch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">s\u00e4mtliche bis zum Zeitpunkt der Aufl\u00f6sung (Close-out)</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vorgenommenen Bewertungsanpassungen umfasst. Eine aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der Vertragsaufl\u00f6sung entstandene Forderung erf\u00fcllt die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Voraussetzungen nach IFRS 9.4.1.2 zur Einordnung in die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:157.96pt\">Kategorie \u201eKredite und Forderungen\u201c.</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Diese Vorgehensweise wurde in Anlehnung an IFRS 9.3.3.2 und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">IFRS 9.3.2.7 gew\u00e4hlt, da in IFRS 9 keine expliziten Regelungen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bestehen, wie vorzugehen ist, wenn ein Finanzinstrument</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zun\u00e4chst die Merkmale eines Derivats erf\u00fcllt und in sp\u00e4terer</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Folge diese Merkmale nicht mehr erf\u00fcllt werden. Solche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Regelungsl\u00fccken sind gem\u00e4\u00df IAS 8.10 bis 8.12 durch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Anwendung einer \u00e4hnlichen Regelung in den IFRS und unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:200.61pt\">Bedachtnahme auf das Framework zu schlie\u00dfen.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Credit Linked Notes</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Die Bewertung von Credit Linked Notes, f\u00fcr die keine aktiven</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">M\u00e4rkte existieren, erfolgt anhand von Bewertungsmodellen.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Credit Linked Notes (CLNs) sind Schuldverschreibungen, deren</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">R\u00fcckzahlungsh\u00f6he von bestimmten vertraglich vereinbarten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Ereignissen abh\u00e4ngt. In der Regel sind es</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Schuldverschreibungen, die neben dem Ausfall des Emittenten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">synthetisch (via Credit Default Swap, CDS) auch das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ausfallsrisiko einer oder mehrerer weiterer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Referenzschuldverschreibungen tragen. Die Bewertung von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">CLNs ergibt sich aus Bond- bzw. CDS-Spreads von Emittent und</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:250.67pt\">Referenzschuldverschreibung, Kupon sowie der Restlaufzeit.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">F\u00fcr die Bewertungen komplexer Strukturen werden auch</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Bewertungen externer Experten herangezogen, die einer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:171.95pt\">Plausibilit\u00e4tspr\u00fcfung unterzogen werden.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Bewertung der Asset Backed Investments</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Jede Position des Collateralized-Loan-Obligation(CLO)-</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Portfolios der BAWAG unterliegt den monatlichen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bewertungen, die auf Basis des Bewertungstools von Moody\u2019s</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Analytics durchgef\u00fchrt werden. Der Bewertungsprozess wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">innerhalb der CDOnet-Funktionalit\u00e4t von Moody\u2019s Structured</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Finance Solutions auf Basis der Barwertmethodik</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">durchgef\u00fchrt. Das Modell verwendet die bereits in Moody\u2019s</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Structured Finance verf\u00fcgbaren Inputs (z.B. Cashflows,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">origin\u00e4re Spreads f\u00fcr jede Tranche, Weighted Average</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Maturity usw.) sowie zus\u00e4tzliche Parameter (haupts\u00e4chlich die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Spreads f\u00fcr die Diskontierung am relevanten Bewertungstag),</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die unabh\u00e4ngig vom Marktrisiko aus vergleichbaren CLO-</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Tranchen (in Bezug auf Bonit\u00e4t, CLO-Art, durchschnittliche</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Subordination usw.) abgeleitet werden. Als Quelle f\u00fcr aktuelle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Diskontierungsspreads werden einerseits das Moody\u2019s</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Structured Finance Portal, andrerseits weitere externe</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:234.09pt\">Datenquellen (z.B. Wells Fargo Securities) herangezogen</span><span class=\"f charStyle-34546584 ps2433\" style=\"width:2.62pt\">.</span><span class=\"f charStyle-34546584 ps2434\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Bewertung von Beteiligungen</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Zur Ermittlung des Fair Value der Beteiligungen wurden die</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">geplanten Aussch\u00fcttungen mit dem jeweils der Beteiligung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zugrunde liegenden marktbezogenen Diskontierungssatz nach</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Steuern abgezinst. Diese Prognosen ber\u00fccksichtigen die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aktuellsten Forecasts, einschlie\u00dflich der beobachteten und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">erwarteten Auswirkungen des Russland-Ukraine-Konflikts und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">weiterer globaler Risiken auf die Rentabilit\u00e4t der betreffenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:60.84pt\">Unternehmen.</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zur Ermittlung des Nutzungswerts von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Beteiligungsunternehmens wurden die geplanten m\u00f6glichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Dividenden herangezogen und f\u00fcr die Barwertermittlung mit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">dem jeweils zugrunde liegenden marktbezogenen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:179.9pt\">Diskontierungssatz nach Steuern abgezinst.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Der f\u00fcr die Bewertung herangezogene Planungshorizont</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">bel\u00e4uft sich im Regelfall auf f\u00fcnf Jahre. Die zugrunde gelegten</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">langfristigen Wachstumsraten liegen bei Going-Concern-</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Betrachtung in der Regel bei 1,0%. Soweit erforderlich,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">wurden entsprechende unternehmensspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewinnthesaurierungen im Rahmen der Ermittlung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Continuing Values und der detaillierten Planungsphase</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:61.07pt\">ber\u00fccksichtigt.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Der Diskontierungssatz nach Steuern setzt sich aus den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Komponenten risikoloser Basiszinssatz, l\u00e4nderspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Marktrisikopr\u00e4mie sowie Betafaktor zusammen. Zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.14pt\">31.\u00a0Dezember 2025 werden folgende Werte herangezogen:</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">Als risikoloser Basiszinssatz (3,54%) wird die gem\u00e4\u00df der</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Svensson-Methode aus den von der Deutschen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Bundesbank ver\u00f6ffentlichten Parametern errechnete 30-</span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">j\u00e4hrige Spotrate herangezogen (2024: 2,59%; 30-j\u00e4hrige</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:41.58pt\">Spotrate).</span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Als Anhaltspunkt f\u00fcr die l\u00e4nderspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Marktrisikopr\u00e4mie dienen die Damodaran-Homepage und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">die Empfehlung der Kammer der Wirtschaftstreuh\u00e4nder.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Die BAWAG verwendet f\u00fcr die Ermittlung des</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Diskontierungszinssatzes eine nominelle Marktrendite von</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">9,5% (2024: 9,5%). Unter Ber\u00fccksichtigung des risikoloser</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Basiszinssatzes von 3,54% wurde sich eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:220.15pt\">Marktrisikopr\u00e4mie von 5,96% (2024: 6,91%) gew\u00e4hlt.</span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Bei der Ermittlung des Betafaktors f\u00fcr Banken und</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Finanzdienstleistungsunternehmen (0,88) wird der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Mittelwert des w\u00f6chentlichen Zweijahresdurchschnitts von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">zehn an europ\u00e4ischen B\u00f6rsen notierenden Banken mit</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Schwerpunkt Retail-Gesch\u00e4ft herangezogen. Zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Vermeidung von nicht nachhaltigen \u00dcberbetonungen des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Marktes aufgrund von einmaligen Ereignissen und Krisen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">wird ein rollierender Betafaktor abgeleitet, es werden \u00fcber</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">12 Quartale die Zwei-Jahres-Betas der Peer-Group gebildet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">und daraus der Mittelwert herangezogen (rollierendes</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1534 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Beta). Als Quelle dient hierf\u00fcr Bloomberg. F\u00fcr die Peer</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1535 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">Group qualifizieren sich nur Banken mit einem R\u00b2</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">(Determinationskoeffizient) von zumindest 0,15 und / oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">einem Wert f\u00fcr den t-Test (Hypothesentest) von zumindest</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">1,98. Der Betafaktor f\u00fcr Nichtbanken betr\u00e4gt 1,0</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">(ausgenommen f\u00fcr B\u00f6rsen mit einem Betafaktor von 0,82),</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">welcher eine spezifische Gr\u00f6\u00dfe f\u00fcr Nichtbanken und kein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">allgemeines Marktrisiko darstellt. (2024: Bei der Ermittlung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">des Betafaktors f\u00fcr Banken und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Finanzdienstleistungsunternehmen (0,93) wird der</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Mittelwert des w\u00f6chentlichen Zweijahresdurchschnitts von</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">zehn an europ\u00e4ischen B\u00f6rsen notierenden Banken mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Schwerpunkt Retail-Gesch\u00e4ft herangezogen. Zur</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Vermeidung von nicht nachhaltigen \u00dcberbetonungen des</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Marktes aufgrund von einmaligen Ereignissen und Krisen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">wird ein rollierender Betafaktor abgeleitet, es werden \u00fcber</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">12 Quartale die Zwei-Jahres-Betas der Peer-Group gebildet</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">und daraus der Mittelwert herangezogen (rollierendes</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">Beta). Als Quelle dient hierf\u00fcr Bloomberg. F\u00fcr die Peer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">Group qualifizieren sich nur Banken mit einem R\u00b2</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">(Determinationskoeffizient) von zumindest 0,15 und / oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">einem Wert f\u00fcr den t-Test (Hypothesentest) von zumindest</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">1,98. Der Betafaktor f\u00fcr Nichtbanken betr\u00e4gt 1,0</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">(ausgenommen f\u00fcr B\u00f6rsen mit einem Betafaktor von 0,81),</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">welcher eine spezifische Gr\u00f6\u00dfe f\u00fcr Nichtbanken und kein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:142.11pt\">allgemeines Marktrisiko darstellt.)</span><span class=\"f charStyle-34546584 ps2435\" style=\"width:2.36pt\"> </span><span class=\"f charStyle-34546584 ps2436\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">\u00dcbertragung von Finanzinstrumenten</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Ausbuchung eines finanziellen Verm\u00f6genswerts erfolgt,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">sobald die wirtschaftlichen Ergebnisse aus dem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument dem Konzern nicht mehr zustehen, d.h.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">regelm\u00e4\u00dfig dann, wenn die Rechte und Pflichten aus dem</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument auf einen Dritten durch Aus\u00fcbung,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Ver\u00e4u\u00dferung oder Abtretung \u00fcbergehen bzw. der Konzern die</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.61pt\">Verf\u00fcgungsmacht verloren hat oder wenn die Rechte verfallen.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bei \u00dcbertragungen von finanziellen Verm\u00f6genswerten, bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">denen die BAWAG ma\u00dfgebliche Rechte und Verpflichtungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zur\u00fcckbehalten hat, erfolgt weiterhin ein Ausweis in der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:61.1pt\">Konzernbilanz.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Eine Verbindlichkeit wird ausgebucht, wenn die mit ihr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:248.65pt\">verbundene Verpflichtung beglichen oder aufgehoben wird.</span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Pensionsgesch\u00e4fte sind Vertr\u00e4ge, durch die finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte gegen Zahlung eines Betrages \u00fcbertragen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden und in denen gleichzeitig vereinbart wird, dass die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">finanziellen Verm\u00f6genswerte sp\u00e4ter gegen Entrichtung eines</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">im Voraus vereinbarten Betrages an den Pensionsgeber</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zur\u00fcck\u00fcbertragen werden m\u00fcssen. Die finanziellen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerte verbleiben weiterhin in der Bilanz der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">BAWAG und werden nach den f\u00fcr den jeweiligen Bilanzposten</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">geltenden Regeln bewertet. Die aus den Liquidit\u00e4tszufl\u00fcssen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aus den Pensionsgesch\u00e4ften resultierenden Verpflichtungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden, je nach Zweck des Gesch\u00e4ftes, in den Handelspassiva</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">oder in der Position \u201eFinanzielle Verbindlichkeiten aus</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:171.59pt\">Verm\u00f6gens\u00fcbertragungen\u201c ausgewiesen.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bei Reverse-Repo-Gesch\u00e4ften werden finanzielle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verm\u00f6genswerte mit der gleichzeitigen Verpflichtung eines</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:192.63pt\">zuk\u00fcnftigen Verkaufs gegen Entgelt erworben.</span><span class=\"f charStyle-34546584 ps2437\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Als Wertpapierleihe werden Gesch\u00e4fte bezeichnet, bei denen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vom Verleiher Wertpapiere an den Entleiher \u00fcbereignet</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">werden mit der Verpflichtung, dass der Entleiher nach Ablauf</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der vereinbarten Zeit Papiere gleicher Art, G\u00fcte und Menge</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zur\u00fcck\u00fcbertr\u00e4gt und f\u00fcr die Dauer der Leihe ein Entgelt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">entrichtet. Die Bilanzierung der verliehenen Wertpapiere</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erfolgt analog zu Pensionsgesch\u00e4ften. Dabei verbleiben</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">verliehene Wertpapiere im Wertpapierbestand des Konzerns</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und werden nach den Regeln des IFRS 9 bewertet. Bei</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertpapierleihegesch\u00e4ften sind regelm\u00e4\u00dfig Sicherheiten zu</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">stellen. Vom Entleiher gestellte Wertpapiersicherheiten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:167.8pt\">werden von diesem weiterhin bilanziert.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Nettogewinne und -verluste aus Finanzinstrumenten</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Nettogewinne und -verluste aus Finanzinstrumenten umfassen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Ergebnisse aus der Bewertung zum beizulegenden Zeitwert,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Wertminderungen, Ver\u00e4u\u00dferungsgewinne und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wertaufholungen von Finanzinstrumenten und werden nach</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">den IFRS-9-Kategorien gegliedert. Die entsprechenden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Komponenten werden in den Erl\u00e4uterungen zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nettozinsertrag, zu den Gewinnen und Verlusten aus</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">finanziellen Verm\u00f6genswerten und Schulden und zu</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:244.74pt\">Risikokosten f\u00fcr jede einzelne IFRS-9-Kategorie dargestellt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-650": {
   "value": "<span class=\"f charStyle-34546584 ps369\" style=\"width:29.38pt\">Handel</span><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:247.76pt\">Zu dieser Kategorie z\u00e4hlen finanzielle Verm\u00f6genswerte und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Verbindlichkeiten, die zu Handelszwecken gehalten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">werden. Diese Finanzinstrumente werden mit ihren</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Marktwerten (Fair Values) angesetzt. S\u00e4mtliche Derivate</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">des Bankbuches, die nicht Teil einer Sicherungsbeziehung</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">sind, werden dieser Kategorie zugeordnet. Die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Handelspassiva umfassen Verbindlichkeiten aus</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:224.57pt\">Derivatgesch\u00e4ften, Leerverk\u00e4ufe und Repo-Gesch\u00e4fte.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Bilanzierung von Sicherungsbeziehungen (Hedge Accounting)</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Die BAWAG hat sich entschieden, weiterhin Hedge Accounting</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:114.48pt\">gem\u00e4\u00df IAS 39 anzuwenden.</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die BAWAG verwendet Fair-Value-Hedge-Accounting, um</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Absicherungen gegen Zins\u00e4nderungsrisiken bei</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">festverzinslichen Finanzinstrumenten darzustellen. Als</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Sicherungsgesch\u00e4fte werden \u00fcberwiegend Zinsswaps</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">verwendet. Die Grundgesch\u00e4fte umfassen Wertpapiere der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kategorie \u201eIm sonstigen Ergebnis ausgewiesene zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Verm\u00f6genswerte\u201c sowie Eigene Emissionen, Kundeneinlagen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und Forderungen an Kunden, die zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Anschaffungskosten bewertet werden. Die BAWAG wendet die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Vorschriften zur Bilanzierung der Absicherung von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Zahlungsstr\u00f6men (\u201eCashflow Hedge\u201c) nach IAS 39 f\u00fcr mit</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">hoher Wahrscheinlichkeit eintretende zuk\u00fcnftige</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zahlungsstr\u00f6me aus bestimmten Fremdw\u00e4hrungsportfolien</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">an. Als Sicherungsgesch\u00e4fte werden Cross-Currency-Swaps</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:128.42pt\">sowie FX-Outrights verwendet.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Nach den allgemeinen Regelungen werden Derivate als</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Handelsaktiva oder Handelspassiva klassifiziert und zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">beizulegenden Zeitwert (Fair Value) bewertet. Das</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bewertungsergebnis wird in der Position \u201eGewinne und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Verluste aus finanziellen Verm\u00f6genswerten und Schulden\u201c als</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Gewinne (Verluste) aus finanziellen Verm\u00f6genswerten im</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Handelsbestand ausgewiesen. Werden Derivate zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Absicherung von Risiken aus Nichthandelsgesch\u00e4ften</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">eingesetzt, wendet die BAWAG bei Erf\u00fcllung der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Voraussetzungen gem\u00e4\u00df IAS 39 Hedge Accounting</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:183.03pt\">(Bilanzierung von Sicherungsgesch\u00e4ften) an.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zu Beginn des Hedge Accountings werden die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Sicherungsbeziehung zwischen Grund- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Sicherungsgesch\u00e4ft, die Ziele des Risikomanagements und die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Methode zur Messung der Effektivit\u00e4t der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Sicherungsbeziehung dokumentiert. Die BAWAG \u00fcberpr\u00fcft am</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Beginn der Sicherungsbeziehung sowie zumindest an jedem</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Bilanzstichtag, ob die Kompensation der \u00c4nderungen der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">beizulegenden Zeitwerte aus Grund- und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sicherungsgesch\u00e4ften in Bezug auf das abgesicherte Risiko in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:104.25pt\">hohem Ma\u00dfe effektiv ist.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Das Zinsrisiko, f\u00fcr das der Konzern Hedge Accounting</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">anwendet, ergibt sich aus festverzinslichen Emissionen,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kundeneinlagen, Darlehen und festverzinslichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Schuldverschreibungen, deren beizulegender Zeitwert bei</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u00c4nderung der Referenzzinss\u00e4tze schwankt. Der Konzern sichert</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zins\u00e4nderungsrisiken nur im Rahmen von Referenzzinss\u00e4tzen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">ab, da die Marktwert\u00e4nderungen eines festverzinslichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verm\u00f6genswertes oder einer Verbindlichkeit wesentlich durch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">\u00c4nderungen des Referenzzinssatzes beeinflusst werden. Hedge</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Accounting wird angewendet, wenn wirtschaftliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sicherungsbeziehungen die Kriterien des Hedge Accounting</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:34.97pt\">erf\u00fcllen.</span><span class=\"f charStyle-34546584 ps2429\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG verfolgt einen konservativen Ansatz bei der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Steuerung ihrer Markt- und Zinsrisiken. Die Zinsrisikoposition</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">wird strategisch auf IFRS-Konzernebene gesteuert und auf</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Basis der \u00f6konomischen Sichtweise sowie nach der IFRS-</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bewertungskategorie (FVTPL, FVTOCI) gemessen, limitiert und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">gesteuert. Der Zinsrisikomanagementansatz konzentriert sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">auf die Reduktion von Marktrisiken und nutzt dabei nat\u00fcrliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Absicherungsm\u00f6glichkeiten der Bilanz sowie Derivate zur</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:122.03pt\">Steuerung der Risikoposition.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Das Fremdw\u00e4hrungsrisiko, f\u00fcr das der Konzern Cashflow</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Hedge Accounting anwendet, ergibt sich aus zuk\u00fcnftigen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zahlungsstr\u00f6men von Fremdw\u00e4hrungsportfolien, deren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beizulegender Zeitwert bei \u00c4nderung des FX-Kurses schwankt.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zur Absicherung des Fremdw\u00e4hrungsrisikos kommen im</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Konzern sowohl FX-Outrights als auch Cross-Currency-Swaps</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">zur Anwendung, da deren Marktwertver\u00e4nderung im</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wesentlichen von der \u00c4nderung des FX-Kurses beeinflusst</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:21.18pt\">wird.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">W\u00e4hrungsrisiken werden als gering eingestuft, da die BAWAG</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">eine Strategie zur Absicherung von W\u00e4hrungsrisiken</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">resultierend aus Kapital- und Zinszahlungen verfolgt. Die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risikoposition wird t\u00e4glich \u00fcberwacht und innerhalb enger</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Limite gesteuert. Dar\u00fcber hinaus wendet der Konzern</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Cashflow-Hedge-Accounting an, um das Fremdw\u00e4hrungsrisiko</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:249.97pt\">aus zuk\u00fcnftig erwarteten Spread-Einnahmen zu minimieren.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Durch den Einsatz derivativer Finanzinstrumente zur</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Absicherung von Zins\u00e4nderungs- und Fremdw\u00e4hrungsrisiken</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">setzt sich der Konzern auch dem Kreditrisiko der derivativen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gegenpartei aus, das nicht durch das abgesicherte</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Grundgesch\u00e4ft ausgeglichen wird. Die Gruppe minimiert das</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kontrahentenausfallsrisiko bei derivativen Instrumenten,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">indem sie Gesch\u00e4fte mit qualitativ hochwertigen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Gegenparteien abschlie\u00dft und von den Gegenparteien</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:243.01pt\">verlangt, Sicherheiten zu stellen und \u00fcber CCPs zu clearen.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bei Vorliegen von effektiven Sicherungsbeziehungen, die zur</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verringerung des Marktwertrisikos eingesetzt werden, wendet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:187.12pt\">die BAWAG Fair-Value-Hedge-Accounting an.</span></div><div class=\"ps248 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Mikro-Fair-Value-Hedge</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Beim Mikro-Fair-Value-Hedge werden ein finanzieller</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verm\u00f6genswert oder eine finanzielle Verbindlichkeit oder eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gruppe von gleichartigen finanziellen Verm\u00f6genswerten oder</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">finanziellen Verbindlichkeiten gegen Marktwert\u00e4nderungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">abgesichert. Wert\u00e4nderungen von Grund- und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Sicherungsgesch\u00e4ft werden in derselben Periode in der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Gewinn- und Verlustrechnung im Posten \u201eGewinne und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verluste aus finanziellen Verm\u00f6genswerten und Schulden\u201c</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erfasst. Dabei wird das Sicherungsinstrument erfolgswirksam</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">zum Fair Value angesetzt und das Grundgesch\u00e4ft um jene Fair-</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Value-\u00c4nderungen erfolgswirksam fortgeschrieben, die sich in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:178.81pt\">Bezug auf das abgesicherte Risiko ergeben.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Sobald das Sicherungsgesch\u00e4ft ver\u00e4u\u00dfert, ausge\u00fcbt oder f\u00e4llig</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">wird oder wenn die Voraussetzungen f\u00fcr die Qualifikation zum</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Hedge Accounting nicht mehr erf\u00fcllt sind, wird die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:197.23pt\">Bilanzierung der Sicherungsbeziehung beendet.</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Bis zu diesem Zeitpunkt erfolgte Bewertungsanpassungen des</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Grundgesch\u00e4fts werden \u00fcber die Restlaufzeit verteilt in der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:157.64pt\">Gewinn- und Verlustrechnung erfasst.</span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">F\u00fcr andere Arten von Anpassungen des beizulegenden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zeitwerts beziehungsweise bei Ver\u00e4u\u00dferung oder</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">anderweitiger Ausbuchung der durch eine Absicherung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">beizulegenden Zeitwerts gesicherten Verm\u00f6genswerte oder</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verbindlichkeiten werden die Anpassungen des beizulegenden</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zeitwerts bei der Ermittlung des bei Ausbuchung realisierten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:156.95pt\">Gewinns oder Verlusts ber\u00fccksichtigt.</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Da die wesentlichen Bewertungsparameter der Swaps und der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">entsprechenden Grundgesch\u00e4fte gleich sind, f\u00fchrt die BAWAG</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">eine qualitative prospektive Effektivit\u00e4tsbeurteilung durch. Es</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">wird erwartet, dass sich der Wert der Swaps und der Wert der</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">entsprechenden Grundgesch\u00e4fte in Abh\u00e4ngigkeit von der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zinsver\u00e4nderung in entgegengesetzter Richtung \u00e4ndern</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">werden. Die Hauptursache f\u00fcr die Ineffektivit\u00e4t von</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sicherungsgesch\u00e4ften ist, dass zur Bestimmung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">beizulegenden Zeitwerts von Sicherungsgesch\u00e4ften und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">gesicherten Grundgesch\u00e4ften unterschiedliche</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Diskontierungskurven verwendet werden (OIS vs. IBOR-</span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:54.77pt\">Discounting).</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Portfolio-Fair-Value-Hedge</span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Die BAWAG wendet die Vorschriften zur Bilanzierung der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Absicherung des beizulegenden Zeitwerts eines Portfolios</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">gegen Zins\u00e4nderungsrisiken an. Im Rahmen der Bilanzierung</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">hat der Konzern Sichteinlagen in Euro wie auch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Kundenforderungen mit Zinsober- und Zinsuntergrenzen sowie</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Fixzinskredite als Portfolien identifiziert, die gegen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zins\u00e4nderungsrisiken abgesichert werden sollen. Diese werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">entsprechend den erwarteten R\u00fcckzahlungs- und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zinsanpassungsterminen in Laufzeitb\u00e4nder eingeteilt. Als</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Grundgesch\u00e4ft f\u00fcr den Portfolio-Fair-Value-Hedge bestimmt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">die BAWAG aus dem identifizierten Portfolio einen Betrag von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verbindlichkeiten respektive Forderungen, der abgesichert</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">werden soll. Die Zu- und Abg\u00e4nge werden unter Anwendung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Bodensatzmethode (\u201eBottom-Layer-Approach\u201c) zun\u00e4chst</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">dem nicht designierten Teil der identifizierten Portfolien</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zugeordnet. Die BAWAG wendet hierbei den EU-Carve-out zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">IAS 39 an, der es erm\u00f6glicht, Sichteinlagen und \u00e4hnliche</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Instrumente auf Basis der erwarteten Abhebungs- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">F\u00e4lligkeitstermine als Bestandteil einer Sicherungsbeziehung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zu designieren. Der EU-Carve-out zu IAS 39 erm\u00f6glicht auch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:167.04pt\">die Anwendung der Bodensatzmethode.</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">F\u00fcr die bilanzielle Abbildung werden die Wert\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Grundgesch\u00e4fte, die auf das abgesicherte Risiko</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zur\u00fcckzuf\u00fchren sind, als separater Bilanzposten unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bewertungsanpassungen f\u00fcr gegen Zins\u00e4nderungsrisiken</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">abgesicherte Portfolien in der Bilanz erfasst. Wert\u00e4nderungen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">von Grund- und Sicherungsgesch\u00e4ft werden in derselben</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Periode in der Gewinn- und Verlustrechnung im Posten</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u201eGewinne und Verluste aus finanziellen Verm\u00f6genswerten und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:75.28pt\">Schulden\u201c erfasst.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Neben dem oben im Mikro-Fair-Value-Hedge-Abschnitt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">genannten Grund (OIS / IBOR-Basisspread) treten Ineffizienzen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">im Portfolio-Fair-Value-Hedge-Accounting auf, wenn das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Volumen der Absicherungsgesch\u00e4fte das tats\u00e4chliche Exposure</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:158.65pt\">der gesicherten Positionen \u00fcbersteigt.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Cashflow-Hedge</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die BAWAG wendet die Vorschriften zur Bilanzierung der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Absicherung von Zahlungsstr\u00f6men (\u201eCashflow Hedge\u201c) nach</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">IAS 39 f\u00fcr mit hoher Wahrscheinlichkeit eintretende</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zuk\u00fcnftige Zahlungsstr\u00f6me aus bestimmten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:124.02pt\">Fremdw\u00e4hrungsportfolien an.</span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die BAWAG hat zuk\u00fcnftige Margeneink\u00fcnfte aus GBP-, CHF-</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und USD-Verm\u00f6genswerten als Grundgesch\u00e4fte identifiziert,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">welche gegen das Risiko schwankender Zahlungsstr\u00f6me aus</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:260.06pt\">der Ver\u00e4nderung von Fremdw\u00e4hrungskursen abzusichern sind.</span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">IAS 39 erlaubt Teile von hochwahrscheinlichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zahlungsstr\u00f6men als Grundgesch\u00e4ft zu designieren. Die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">BAWAG widmet jeweils die ersten Zahlungsstr\u00f6me f\u00fcr eine</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:170.77pt\">definierte Zeitperiode als Grundgesch\u00e4ft.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Ver\u00e4nderungen aus dem beizulegenden Zeitwert der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Sicherungsinstrumente werden in der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gesamtergebnisrechnung unter \u201eCashflow-Hedge-R\u00fccklage\u201c</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">gezeigt. H\u00e4tte die BAWAG 2025 die Bestimmungen des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Cashflow Hedge nicht angewandt, w\u00e4re ein Gewinn von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.96pt\">71\u00a0Mio.\u00a0\u20ac (2024: Verlust von 57\u00a0Mio.\u00a0\u20ac) in der Gewinn- und</span><span class=\"f charStyle-34546584 ps1370\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verlustrechnung unter \u201eGewinne und Verluste aus finanziellen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:232.32pt\">Verm\u00f6genswerten und Schulden\u201c ausgewiesen worden.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Neben dem oben im Mikro-Fair-Value-Hedge-Abschnitt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">genannten Grund (OIS / IBOR-Basisspread) treten Ineffizienzen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">im Cashflow-Hedge-Accounting auf, wenn die erwarteten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Cashflows die tats\u00e4chlichen Cashflows der gesicherten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:98.46pt\">Positionen \u00fcbersteigen.</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Absicherung einer Nettoinvestition in einen ausl\u00e4ndischen </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Gesch\u00e4ftsbetrieb</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die BAWAG wendet das Net Investment Hedge Accounting</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gem\u00e4\u00df IAS 39 f\u00fcr Nettoinvestitionen in Tochtergesellschaften</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:206.06pt\">an, deren funktionale W\u00e4hrung nicht der Euro ist.</span><span class=\"f charStyle-34546584 ps2430\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die Absicherung einer Nettoinvestition nach IAS 39 wird zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Minderung der Auswirkungen in der Gewinn- und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verlustrechnung aus Instrumenten zur Absicherung des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Fremdw\u00e4hrungsrisikos angewendet. Das abgesicherte Risiko</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">ist definiert als das Fremdw\u00e4hrungsrisiko, das sich aus der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">funktionalen W\u00e4hrung des ausl\u00e4ndischen Gesch\u00e4ftsbetriebs</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">(derzeit CHF und USD) und der funktionalen W\u00e4hrung des</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:167.88pt\">Mutterunternehmens, dem Euro, ergibt.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Das Sicherungsinstrument wird zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">bewertet, wobei der effektive Teil seiner Ver\u00e4nderungen im</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">sonstigen Gesamtergebnis in einer separaten Komponente des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Eigenkapitals erfasst wird. Jeder ineffektive Teil des Gewinns</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">oder Verlusts aus dem Sicherungsinstrument wird in der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Gewinn- und Verlustrechnung erfasst, wenn die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Marktwert\u00e4nderung des Sicherungsinstruments die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Marktwert\u00e4nderung des gesicherten Grundgesch\u00e4fts</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:45.12pt\">\u00fcbersteigt.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Im sonstigen Gesamtergebnis werden die Wert\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sicherungsinstrumente unter Absicherung einer</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Nettoinvestition in ausl\u00e4ndische Gesch\u00e4ftsbetriebe</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">ausgewiesen. Im Jahr 2025 w\u00e4ren Fair-Value-Gewinne in H\u00f6he</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.95pt\">von 22,3\u00a0Mio.\u00a0\u20ac (2024: Verluste von 8,8\u00a0Mio.\u00a0\u20ac) in der Position</span><span class=\"f charStyle-34546584 ps2431\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Gewinne und Verluste aus Finanzinstrumenten in der Gewinn-</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">und Verlustrechnung ausgewiesen worden, wenn die BAWAG</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:243.33pt\">kein Net Investment Hedge Accounting angewendet h\u00e4tte.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Ineffizienzen aus der Absicherung einer Nettoinvestition</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">ergeben sich aus dem Sicherungsinstrument (Terminkontrakt),</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">das einen Fremdw\u00e4hrungsbasisspread enth\u00e4lt, der nicht im</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Grundgesch\u00e4ft (der Nettoinvestition) enthalten ist. Dar\u00fcber</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">hinaus kann es zu einer Ineffektivit\u00e4t kommen, wenn der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Buchwert der Nettoinvestition unter den urspr\u00fcnglich</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gewidmeten Betrag f\u00e4llt oder wenn das abgesicherte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Grundgesch\u00e4ft und das Sicherungsinstrument</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">unterschiedlichen Kontrahentenrisiken unterliegen (z.B. OIS-</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:177.87pt\">Diskontierung des Sicherungsinstruments).</span></div></div><div class=\"ps257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Methoden der Fair-Value-Ermittlung von Finanzinstrumenten</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG zieht zur Beurteilung eines \u201eaktiven Marktes\u201c</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">eines Wertpapieres neben Minimumanforderungen (z.B.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Emissionsgr\u00f6\u00dfe, B\u00f6rsenotiz) Informationen aus</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Handelssystemen (quotierte Volumina, H\u00e4ufigkeit der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Preisstellung) zur Ermittlung der Markttiefe und Liquidit\u00e4t</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:26.86pt\">heran.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Derivate</span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">F\u00fcr die Bewertung von b\u00f6rsengehandelten Gesch\u00e4ften, z.B.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Futures und Futureoptionen, werden B\u00f6rsenkurse</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">herangezogen. Details werden im Anhang unter Note 34</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.93pt\">dargestellt. Einige grunds\u00e4tzliche Angaben seien vorangestellt:</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">Das grundlegende Bewertungsmodell bei Plain-Vanilla-OTC-</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.04pt\">Optionen ist das Optionspreismodell nach Black-Scholes,</span><span class=\"f charStyle-c790e326 ps171\" style=\"width:2.34pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">welches je nach Underlying differiert. Fremdw\u00e4hrungsoptionen</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.04pt\">werden nach dem Garman-Kohlhagen-Modell und</span><span class=\"f charStyle-c790e326 ps171\" style=\"width:2.34pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.01pt\">Zinsoptionen werden nach Black bzw. Hull-White bewertet,</span><span class=\"f charStyle-c790e326 ps150\" style=\"width:2.34pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.02pt\">wobei bei Caps/Floors und Swaptions in W\u00e4hrungen mit</span><span class=\"f charStyle-c790e326 ps148\" style=\"width:2.34pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:229.83pt\">negativen Zinsen das Bachelier-Modell verwendet wird.</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.06pt\">Der Gesamtwert eines Zinsswaps ergibt sich aus den</span><span class=\"f charStyle-c790e326 ps146\" style=\"width:2.34pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.03pt\">Barwerten der fixen und der variablen Seite des Swaps. Bei</span><span class=\"f charStyle-c790e326 ps160\" style=\"width:2.34pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262pt\">Cross-Currency-Swaps (CCS) wird ebenso pro Leg der Barwert</span><span class=\"f charStyle-c790e326 ps167\" style=\"width:2.34pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262pt\">in der jeweiligen Transaktionsw\u00e4hrung ermittelt, der dann in</span><span class=\"f charStyle-c790e326 ps167\" style=\"width:2.34pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.06pt\">die funktionale W\u00e4hrung der Konzerngesellschaft umgerechnet</span><span class=\"f charStyle-c790e326 ps146\" style=\"width:2.34pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:81.59pt\">und summiert wird.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.02pt\">Bei Devisentermingesch\u00e4ften wird der vereinbarte Terminkurs,</span><span class=\"f charStyle-c790e326 ps148\" style=\"width:2.34pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.03pt\">der von den W\u00e4hrungs- und Zinsentwicklungen der beiden</span><span class=\"f charStyle-c790e326 ps160\" style=\"width:2.34pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">W\u00e4hrungen abh\u00e4ngt, dem aktuellen Terminkurs am</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">Bilanzstichtag gegen\u00fcbergestellt und daraus der Wert</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:43.25pt\">errechnet.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Credit Default Swaps (CDS) werden mittels Duffie-Singleton-</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Modell bewertet. Dabei wird auf Basis der Credit Spread Curve</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">die Default Probability Curve (Hazard Rate) ermittelt, mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">deren Hilfe das Protection Leg berechnet wird. Der Marktwert</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">des CDS ergibt sich dann durch Summierung des Protection</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:96.17pt\">und des Premium Legs.</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die BAWAG bestimmt f\u00fcr Bonit\u00e4tsrisiken von OTC-Derivaten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ein Credit (CVA) bzw. ein Debt Value Adjustment (DVA).</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Grunds\u00e4tzlich werden interne Ausfallswahrscheinlichkeiten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(PD) zur Berechnung herangezogen, als Verwertungsquote</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:168.23pt\">(REC) wird standardm\u00e4\u00dfig 0,4 angesetzt.</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">F\u00fcr diese Kontrahenten wird zur Bestimmung des EPE/ENE</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(Expected Positive/Negative Exposure) ein \u201eMarktwert + Add-</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">on\u201c-Modell verwendet. Die Add-on-Berechnung erfolgt f\u00fcr</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">jede Gesch\u00e4ftsart und W\u00e4hrung getrennt und wird</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">grunds\u00e4tzlich aus am Markt beobachtbaren Parametern</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:44.53pt\">abgeleitet.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Sofern ein Nettingagreement vorliegt, werden auch</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nettingeffekte auf Kundenebene innerhalb von Gesch\u00e4ften</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:198.89pt\">selben Typs und selber W\u00e4hrung ber\u00fccksichtigt.</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:205.93pt\">Aus den Diskonts\u00e4tzen, der Kontrahenten-PD und</span><span class=\"f charStyle-34546584 ps2432\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1602\" style=\"width:261.95pt\">-Verlustquote (1-REC) sowie dem EPE bestimmt sich der CVA</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">bzw. aus der BAWAG PD und -Verlustquote sowie dem ENE der</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:20.52pt\">DVA.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Sofern die Risikoabschlagsrate nicht aus Markttransaktionen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">abgeleitet werden kann, wird diese vom Management</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gesch\u00e4tzt. Dies betrifft insbesondere Non-Payment-Risiken</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aufgrund von rechtlichen Unsicherheiten, die nicht vom</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">allgemeinen Credit Spread des Kunden abgeleitet werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">k\u00f6nnen. Sofern die BAWAG davon ausgeht, dass das Gesch\u00e4ft</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">rechtswirksam zustande gekommen ist, weist die Bank auch im</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Falle einer Einrede einen Verm\u00f6genswert aus dem positiven</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:240.47pt\">Marktwert des Gesch\u00e4fts gegen\u00fcber der Gegenpartei aus.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zur Bewertung von finanziellen Verm\u00f6genswerten, deren</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Parameter nicht von Markttransaktionen abgeleitet werden</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">k\u00f6nnen, wird der erwartete Cashflow (samt Verzugszinsen,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">sofern vertraglich vereinbart) wahrscheinlichkeitsgewichtet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">und auf den Tag der Wertermittlung abgezinst. Sind die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">rechtliche Entstehung der Forderung oder ihr Fortbestand im</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Hinblick auf eventuelle Nichtigkeitsgr\u00fcnde oder eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Anfechtung streitig, werden diese rechtlichen Bedenken somit</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:174.67pt\">im Rahmen der Bewertung ber\u00fccksichtigt.</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Im Falle einer Aufl\u00f6sung (Close-out) eines derivativen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gesch\u00e4fts mit einem Kunden ver\u00e4ndert sich die Art der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Forderung der BAWAG. Vor der Vertragsaufl\u00f6sung handelte es</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">sich bei dem Verm\u00f6genswert um ein Derivat, nach dem Close-</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">out um eine vertragliche Forderung, deren H\u00f6he sich nicht</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">mehr in Abh\u00e4ngigkeit von Marktparametern \u00e4ndert. Die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Forderung erf\u00fcllt daher nicht mehr die Definition eines</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:94.82pt\">Derivats gem\u00e4\u00df IFRS 9.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Durch die vorzeitige Beendigung eines Derivatgesch\u00e4fts wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">die Variabilit\u00e4t der Zahlungsstr\u00f6me in Bezug auf H\u00f6he und</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Eintrittszeitpunkt wesentlich ver\u00e4ndert und das urspr\u00fcngliche</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Derivat durch einen neuen Verm\u00f6genswert ersetzt. Dessen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">erstmaliger Ansatz erfolgt nach IFRS 9.5.1.1 zum Fair Value.</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Fair Value entspricht dem Buchwert des Derivats zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zeitpunkt der Vertragsaufl\u00f6sung, welcher dabei auch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">s\u00e4mtliche bis zum Zeitpunkt der Aufl\u00f6sung (Close-out)</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vorgenommenen Bewertungsanpassungen umfasst. Eine aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der Vertragsaufl\u00f6sung entstandene Forderung erf\u00fcllt die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Voraussetzungen nach IFRS 9.4.1.2 zur Einordnung in die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:157.96pt\">Kategorie \u201eKredite und Forderungen\u201c.</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Diese Vorgehensweise wurde in Anlehnung an IFRS 9.3.3.2 und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">IFRS 9.3.2.7 gew\u00e4hlt, da in IFRS 9 keine expliziten Regelungen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bestehen, wie vorzugehen ist, wenn ein Finanzinstrument</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zun\u00e4chst die Merkmale eines Derivats erf\u00fcllt und in sp\u00e4terer</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Folge diese Merkmale nicht mehr erf\u00fcllt werden. Solche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Regelungsl\u00fccken sind gem\u00e4\u00df IAS 8.10 bis 8.12 durch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Anwendung einer \u00e4hnlichen Regelung in den IFRS und unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:200.61pt\">Bedachtnahme auf das Framework zu schlie\u00dfen.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Credit Linked Notes</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Die Bewertung von Credit Linked Notes, f\u00fcr die keine aktiven</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">M\u00e4rkte existieren, erfolgt anhand von Bewertungsmodellen.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Credit Linked Notes (CLNs) sind Schuldverschreibungen, deren</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">R\u00fcckzahlungsh\u00f6he von bestimmten vertraglich vereinbarten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Ereignissen abh\u00e4ngt. In der Regel sind es</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Schuldverschreibungen, die neben dem Ausfall des Emittenten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">synthetisch (via Credit Default Swap, CDS) auch das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ausfallsrisiko einer oder mehrerer weiterer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Referenzschuldverschreibungen tragen. Die Bewertung von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">CLNs ergibt sich aus Bond- bzw. CDS-Spreads von Emittent und</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:250.67pt\">Referenzschuldverschreibung, Kupon sowie der Restlaufzeit.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">F\u00fcr die Bewertungen komplexer Strukturen werden auch</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Bewertungen externer Experten herangezogen, die einer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:171.95pt\">Plausibilit\u00e4tspr\u00fcfung unterzogen werden.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Bewertung der Asset Backed Investments</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Jede Position des Collateralized-Loan-Obligation(CLO)-</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Portfolios der BAWAG unterliegt den monatlichen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bewertungen, die auf Basis des Bewertungstools von Moody\u2019s</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Analytics durchgef\u00fchrt werden. Der Bewertungsprozess wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">innerhalb der CDOnet-Funktionalit\u00e4t von Moody\u2019s Structured</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Finance Solutions auf Basis der Barwertmethodik</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">durchgef\u00fchrt. Das Modell verwendet die bereits in Moody\u2019s</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Structured Finance verf\u00fcgbaren Inputs (z.B. Cashflows,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">origin\u00e4re Spreads f\u00fcr jede Tranche, Weighted Average</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Maturity usw.) sowie zus\u00e4tzliche Parameter (haupts\u00e4chlich die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Spreads f\u00fcr die Diskontierung am relevanten Bewertungstag),</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die unabh\u00e4ngig vom Marktrisiko aus vergleichbaren CLO-</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Tranchen (in Bezug auf Bonit\u00e4t, CLO-Art, durchschnittliche</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Subordination usw.) abgeleitet werden. Als Quelle f\u00fcr aktuelle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Diskontierungsspreads werden einerseits das Moody\u2019s</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Structured Finance Portal, andrerseits weitere externe</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:234.09pt\">Datenquellen (z.B. Wells Fargo Securities) herangezogen</span><span class=\"f charStyle-34546584 ps2433\" style=\"width:2.62pt\">.</span><span class=\"f charStyle-34546584 ps2434\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Bewertung von Beteiligungen</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Zur Ermittlung des Fair Value der Beteiligungen wurden die</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">geplanten Aussch\u00fcttungen mit dem jeweils der Beteiligung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zugrunde liegenden marktbezogenen Diskontierungssatz nach</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Steuern abgezinst. Diese Prognosen ber\u00fccksichtigen die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aktuellsten Forecasts, einschlie\u00dflich der beobachteten und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">erwarteten Auswirkungen des Russland-Ukraine-Konflikts und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">weiterer globaler Risiken auf die Rentabilit\u00e4t der betreffenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:60.84pt\">Unternehmen.</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zur Ermittlung des Nutzungswerts von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Beteiligungsunternehmens wurden die geplanten m\u00f6glichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Dividenden herangezogen und f\u00fcr die Barwertermittlung mit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">dem jeweils zugrunde liegenden marktbezogenen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:179.9pt\">Diskontierungssatz nach Steuern abgezinst.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Der f\u00fcr die Bewertung herangezogene Planungshorizont</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">bel\u00e4uft sich im Regelfall auf f\u00fcnf Jahre. Die zugrunde gelegten</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">langfristigen Wachstumsraten liegen bei Going-Concern-</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Betrachtung in der Regel bei 1,0%. Soweit erforderlich,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">wurden entsprechende unternehmensspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewinnthesaurierungen im Rahmen der Ermittlung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Continuing Values und der detaillierten Planungsphase</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:61.07pt\">ber\u00fccksichtigt.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Der Diskontierungssatz nach Steuern setzt sich aus den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Komponenten risikoloser Basiszinssatz, l\u00e4nderspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Marktrisikopr\u00e4mie sowie Betafaktor zusammen. Zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.14pt\">31.\u00a0Dezember 2025 werden folgende Werte herangezogen:</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">Als risikoloser Basiszinssatz (3,54%) wird die gem\u00e4\u00df der</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Svensson-Methode aus den von der Deutschen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Bundesbank ver\u00f6ffentlichten Parametern errechnete 30-</span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">j\u00e4hrige Spotrate herangezogen (2024: 2,59%; 30-j\u00e4hrige</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:41.58pt\">Spotrate).</span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Als Anhaltspunkt f\u00fcr die l\u00e4nderspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Marktrisikopr\u00e4mie dienen die Damodaran-Homepage und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">die Empfehlung der Kammer der Wirtschaftstreuh\u00e4nder.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Die BAWAG verwendet f\u00fcr die Ermittlung des</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Diskontierungszinssatzes eine nominelle Marktrendite von</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">9,5% (2024: 9,5%). Unter Ber\u00fccksichtigung des risikoloser</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Basiszinssatzes von 3,54% wurde sich eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:220.15pt\">Marktrisikopr\u00e4mie von 5,96% (2024: 6,91%) gew\u00e4hlt.</span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Bei der Ermittlung des Betafaktors f\u00fcr Banken und</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Finanzdienstleistungsunternehmen (0,88) wird der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Mittelwert des w\u00f6chentlichen Zweijahresdurchschnitts von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">zehn an europ\u00e4ischen B\u00f6rsen notierenden Banken mit</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Schwerpunkt Retail-Gesch\u00e4ft herangezogen. Zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Vermeidung von nicht nachhaltigen \u00dcberbetonungen des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Marktes aufgrund von einmaligen Ereignissen und Krisen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">wird ein rollierender Betafaktor abgeleitet, es werden \u00fcber</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">12 Quartale die Zwei-Jahres-Betas der Peer-Group gebildet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">und daraus der Mittelwert herangezogen (rollierendes</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1534 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Beta). Als Quelle dient hierf\u00fcr Bloomberg. F\u00fcr die Peer</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1535 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">Group qualifizieren sich nur Banken mit einem R\u00b2</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">(Determinationskoeffizient) von zumindest 0,15 und / oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">einem Wert f\u00fcr den t-Test (Hypothesentest) von zumindest</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">1,98. Der Betafaktor f\u00fcr Nichtbanken betr\u00e4gt 1,0</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">(ausgenommen f\u00fcr B\u00f6rsen mit einem Betafaktor von 0,82),</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">welcher eine spezifische Gr\u00f6\u00dfe f\u00fcr Nichtbanken und kein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">allgemeines Marktrisiko darstellt. (2024: Bei der Ermittlung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">des Betafaktors f\u00fcr Banken und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Finanzdienstleistungsunternehmen (0,93) wird der</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Mittelwert des w\u00f6chentlichen Zweijahresdurchschnitts von</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">zehn an europ\u00e4ischen B\u00f6rsen notierenden Banken mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Schwerpunkt Retail-Gesch\u00e4ft herangezogen. Zur</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Vermeidung von nicht nachhaltigen \u00dcberbetonungen des</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Marktes aufgrund von einmaligen Ereignissen und Krisen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">wird ein rollierender Betafaktor abgeleitet, es werden \u00fcber</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">12 Quartale die Zwei-Jahres-Betas der Peer-Group gebildet</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">und daraus der Mittelwert herangezogen (rollierendes</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">Beta). Als Quelle dient hierf\u00fcr Bloomberg. F\u00fcr die Peer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">Group qualifizieren sich nur Banken mit einem R\u00b2</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">(Determinationskoeffizient) von zumindest 0,15 und / oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">einem Wert f\u00fcr den t-Test (Hypothesentest) von zumindest</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">1,98. Der Betafaktor f\u00fcr Nichtbanken betr\u00e4gt 1,0</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">(ausgenommen f\u00fcr B\u00f6rsen mit einem Betafaktor von 0,81),</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">welcher eine spezifische Gr\u00f6\u00dfe f\u00fcr Nichtbanken und kein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps956\" style=\"width:142.11pt\">allgemeines Marktrisiko darstellt.)</span><div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">\u00dcbertragung von Finanzinstrumenten</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Ausbuchung eines finanziellen Verm\u00f6genswerts erfolgt,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">sobald die wirtschaftlichen Ergebnisse aus dem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument dem Konzern nicht mehr zustehen, d.h.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">regelm\u00e4\u00dfig dann, wenn die Rechte und Pflichten aus dem</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument auf einen Dritten durch Aus\u00fcbung,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Ver\u00e4u\u00dferung oder Abtretung \u00fcbergehen bzw. der Konzern die</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.61pt\">Verf\u00fcgungsmacht verloren hat oder wenn die Rechte verfallen.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bei \u00dcbertragungen von finanziellen Verm\u00f6genswerten, bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">denen die BAWAG ma\u00dfgebliche Rechte und Verpflichtungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zur\u00fcckbehalten hat, erfolgt weiterhin ein Ausweis in der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:61.1pt\">Konzernbilanz.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Eine Verbindlichkeit wird ausgebucht, wenn die mit ihr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:248.65pt\">verbundene Verpflichtung beglichen oder aufgehoben wird.</span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Pensionsgesch\u00e4fte sind Vertr\u00e4ge, durch die finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte gegen Zahlung eines Betrages \u00fcbertragen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden und in denen gleichzeitig vereinbart wird, dass die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">finanziellen Verm\u00f6genswerte sp\u00e4ter gegen Entrichtung eines</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">im Voraus vereinbarten Betrages an den Pensionsgeber</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zur\u00fcck\u00fcbertragen werden m\u00fcssen. Die finanziellen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerte verbleiben weiterhin in der Bilanz der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">BAWAG und werden nach den f\u00fcr den jeweiligen Bilanzposten</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">geltenden Regeln bewertet. Die aus den Liquidit\u00e4tszufl\u00fcssen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aus den Pensionsgesch\u00e4ften resultierenden Verpflichtungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden, je nach Zweck des Gesch\u00e4ftes, in den Handelspassiva</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">oder in der Position \u201eFinanzielle Verbindlichkeiten aus</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:171.59pt\">Verm\u00f6gens\u00fcbertragungen\u201c ausgewiesen.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bei Reverse-Repo-Gesch\u00e4ften werden finanzielle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verm\u00f6genswerte mit der gleichzeitigen Verpflichtung eines</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:192.63pt\">zuk\u00fcnftigen Verkaufs gegen Entgelt erworben.</span><span class=\"f charStyle-34546584 ps2437\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Als Wertpapierleihe werden Gesch\u00e4fte bezeichnet, bei denen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vom Verleiher Wertpapiere an den Entleiher \u00fcbereignet</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">werden mit der Verpflichtung, dass der Entleiher nach Ablauf</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der vereinbarten Zeit Papiere gleicher Art, G\u00fcte und Menge</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zur\u00fcck\u00fcbertr\u00e4gt und f\u00fcr die Dauer der Leihe ein Entgelt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">entrichtet. Die Bilanzierung der verliehenen Wertpapiere</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erfolgt analog zu Pensionsgesch\u00e4ften. Dabei verbleiben</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">verliehene Wertpapiere im Wertpapierbestand des Konzerns</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und werden nach den Regeln des IFRS 9 bewertet. Bei</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertpapierleihegesch\u00e4ften sind regelm\u00e4\u00dfig Sicherheiten zu</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">stellen. Vom Entleiher gestellte Wertpapiersicherheiten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:167.8pt\">werden von diesem weiterhin bilanziert.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerivativeFinancialInstrumentsAndHedgingExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-652": {
   "value": "<div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:118.12pt\">Finanzielle Verbindlichkeiten</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.13pt\">Gem\u00e4\u00df IFRS 9 werden finanzielle Verpflichtungen, die nicht</span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:164.3pt\">zu Handelszwecken bestimmt sind oder</span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">der Position \u201eFinanzielle Verbindlichkeiten, die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">erfolgswirksam zum beizulegenden Zeitwert bewertet</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:122.34pt\">werden\u201c zugeordnet werden,</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:197.55pt\">zu fortgef\u00fchrten Anschaffungskosten bewertet.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Fair-Value-\u00c4nderungen bei Verbindlichkeiten der Fair-Value-</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:192.27pt\">Option werden folgenderma\u00dfen ausgewiesen:</span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">der Betrag der Ver\u00e4nderung des beizulegenden Zeitwerts,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:189.85pt\">der aus dem Ausfallsrisiko der Verbindlichkeit</span><span class=\"f charStyle-34546584 ps2419\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1477\" style=\"width:222.67pt\">resultiert, wird im sonstigen Ergebnis dargestellt; und</span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">die restliche Ver\u00e4nderung des beizulegenden Zeitwerts</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">wird erfolgswirksam in der Gewinn- und Verlustrechnung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:47.05pt\">dargestellt.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Bestimmte finanzielle Verpflichtungen, die nicht die Definition</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">von Handelspassiva erf\u00fcllen, werden nach der Fair-Value-</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Option als zum Fair Value bewertet klassifiziert. Die BAWAG</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Group hat die Fair-Value-Option in folgenden F\u00e4llen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:54.4pt\">angewendet:</span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:167.47pt\">Vermeidung eines Accounting Mismatch</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2420\" style=\"width:3.16pt\">-<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps2421\" style=\"width:239.55pt\">Fest verzinste Eigene Emissionen, deren Fair Value zum</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2421\" style=\"width:221.83pt\">Erwerbszeitpunkt durch Zinsderivate gesichert wurde</span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:136.95pt\">Vorliegen eingebetteter Derivate</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2420\" style=\"width:3.16pt\">-<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps2421\" style=\"width:197.57pt\">Eigene Emissionen mit eingebetteten Derivaten</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-653": {
   "value": "<div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:79.23pt\">Reklassifizierungen</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Finanzielle Verm\u00f6genswerte werden nach erstmaligem Ansatz</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">nicht reklassifiziert, au\u00dfer in der Periode, in welcher der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:251.55pt\">Konzern das Gesch\u00e4ftsmodell der Finanzinstrumente \u00e4ndert.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForReclassificationOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-655": {
   "value": "<div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps185\" style=\"width:67.74pt\">Wertminderung</span><span class=\"f charStyle-81af04f8 ps2428\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Hinsichtlich Angaben zu Wertminderungen wird auf den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:101.19pt\">Risikobericht verwiesen.</span></div><div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-6423092b ps2\">RISIKOBERICHT</span></div><div class=\"ps330 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die BAWAG operiert auf einem Businessmodell, das auf Retail</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps331 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">&amp; SME fokussiert ist, und durch Corporates, Real Estate und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps332 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Public Sector erg\u00e4nzt wird. Geographisch gesehen, ist die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps333 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">BAWAG auf entwickelte L\u00e4nder, wie \u00d6sterreich, Deutschland,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps334 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">die Niederlande, Irland, dem Vereinigten K\u00f6nigreich, der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps34 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Schweiz sowie den Vereinigten Staaten (USA), ausgerichtet. All</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps335 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">diese Staaten haben ein L\u00e4nder Rating von zumindest AA-</span></div><div class=\"ps48 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Rating sowie stabile rechtliche und politische</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps336 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Rahmenbedingungen. Unsere Bankgesch\u00e4fte werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps337 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">haupts\u00e4chlich durch stabile Privatkundeneinlagen finanziert. In</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps338 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Kombination mit Hypotheken sowie gedeckten Anleihen des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps339 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">\u00f6ffentlichen Sektors macht die Kundenfinanzierung mehr als</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps340 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">90% der Finanzierungen der BAWAG aus. Einfachheit und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps341 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Effizienz stehen im Mittelpunkt unserer Arbeit. Wir sind</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps342 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">bestrebt, Prozessen durchg\u00e4ngig zu optimieren und unseren</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps343 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kunden einfache und intuitive Finanzprodukte und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps344 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:5.08pt\">\u2212</span><span class=\"f charStyle-7973db00 ps7227\" style=\"width:5.25pt\">d</span><span class=\"f charStyle-34546584 ps7228\" style=\"width:114.77pt\">ienstleistungen anzubieten.</span><span class=\"f charStyle-34546584 ps7229\" style=\"width:2.36pt\"> </span></div><div class=\"ps346 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Unser Gesch\u00e4ftsmodell und unsere langfristige Entwicklung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">spiegeln unseren konservativen Risikoappetit wider.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps347 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Risikomanagement und aktive Steuerung von Risiken sind</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps348 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">integrale Bestandteile der Gesch\u00e4ftsstrategie des Konzerns</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps349 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">und der Schl\u00fcssel zum Erreichen unserer strategischen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps350 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">finanziellen Ziele. Diese Vorgehensweise erm\u00f6glicht uns die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps351 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Schaffung von Mehrwert f\u00fcr unsere Stakeholder, einschlie\u00dflich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:95.76pt\">Aktion\u00e4re und Kunden.</span></div><div class=\"ps16 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:152.31pt\">Die Aufrechterhaltung eines </span><span class=\"f charStyle-81af04f8 ps7230\" style=\"width:109.72pt\">sicheren und soliden</span><span class=\"f charStyle-81af04f8 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps354 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:60.69pt\">Risikoprofils, </span><span class=\"f charStyle-34546584 ps7231\" style=\"width:201.34pt\">als zentraler Pfeiler unserer Konzernstrategie</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps17 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:238.49pt\">und Risikopolitik, basiert auf den folgenden Grunds\u00e4tzen:</span></div><div class=\"ps7232 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Umfassendes und vorausschauendes Risikomanagement-</span></div><div class=\"ps7233 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:47.14pt\">Framework</span></div><div class=\"ps5110 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Beibehaltung einer starken Kapitalposition, stabiler</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps5111 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Privatkundeneinlagen und eines niedrigen Risikoprofils</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps5112 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:175.84pt\">durch Fokus auf risikoadjustierte Renditen</span></div><div class=\"ps5114 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:237.86pt\">Fokus auf etablierte, entwickelte und nachhaltige M\u00e4rkte</span></div><div class=\"ps5116 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Anwendung einer konservativen und disziplinierten</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps5117 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Kreditvergabe mit Schwerpunkt auf besicherte Kredite zur</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps5118 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:215.34pt\">Aufrechterhaltung einer sicheren und soliden Bilanz</span></div><div class=\"ps5120 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Proaktives Management und Reduzierung</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5121 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">nicht\u2212finanzieller Risiken inklusive</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5122 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:140.52pt\">nachhaltigkeitsbezogener\u00a0 Risiken</span></div><div class=\"ps364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fef355dc ps2\"><span style=\"background-color:inherit\">Zusammenfassung des Jahres 2025</span></span></div><div class=\"ps5125 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Unsere Hauptm\u00e4rkte in \u00d6sterreich, Deutschland, den</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps5126 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Niederlanden, Irland, dem Vereinigten K\u00f6nigreich, der</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps5127 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Schweiz und den USA werden durch ein stabiles</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Besch\u00e4ftigungsniveau und eine starke finanzielle Position</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">unserer Kunden gest\u00fctzt. Dennoch bestehen</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Abw\u00e4rtsrisiken, einschlie\u00dflich (aber nicht darauf</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">beschr\u00e4nkt) anhaltender geopolitischer Spannungen,\u00a0 des</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Potenzials f\u00fcr eine anhaltende hohe Inflation und einer sich</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">verst\u00e4rkenden Konjunkturabschw\u00e4chung. Solche Risiken</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">w\u00fcrden insbesondere f\u00fcr Unternehmen oder Kunden mit</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">hoher Verschuldung wirtschaftliche Schwachstellen</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">aufzeigen, zu gro\u00dfer Unsicherheit f\u00fchren und sich negativ</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">auf die Investitionen der Unternehmen auswirken. Wir sind</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.83pt\"><span style=\"background-color:inherit\">der Ansicht, dass die BAWAG dank ihres umsichtigen</span></span><span class=\"f charStyle-5a2826df ps1478\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Risikomanagements und ihrer langj\u00e4hrigen konservativen</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Kreditvergabegrunds\u00e4tze gut positioniert ist, um</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">ung\u00fcnstigen Entwicklungen standzuhalten. Durch die</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Aufrechterhaltung angemessener R\u00fccklagen, eines hohen</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Kapital- und Liquidit\u00e4tsniveaus, das weit \u00fcber den</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">regulatorischen Anforderungen liegt, und stabiler</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Finanzierungsquellen, bleiben wir vorsichtig und</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:49.18pt\"><span style=\"background-color:inherit\">gewappnet.</span></span><span class=\"f charStyle-5a2826df ps7234\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Im ersten Quartal 2025 hat die BAWAG den Kauf der</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Barclays Consumer Bank Europe (umbenannt zu Easybank)</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">abgeschlossen, welche unser Retail &amp; SME-Gesch\u00e4ft weiter</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">erg\u00e4nzt hat. Der Zukauf erfolgt in kompletter</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">\u00dcbereinstimmung mit der Risikostrategie und dem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Risikoappetit der BAWAG und gemeinsam mit Knab (Kauf</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">wurde im 4. Quartal 2024 abgeschlossen) wird er unseren</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">geographischen Fu\u00dfabdruck weiter diversifizieren. Beide</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Portfolios wurden in den BAWAG-weiten</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Risikomanagementprozess, von Tag eins des Abschlusses</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">der Transaktionen an, integriert, um eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">\u00dcbereinstimmung mit den regulatorischen Anforderungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">sicherzustellen. Die Implementierung der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">BAWAG\u2212Konzernrichtlinien, Modelle und Prozesse wurde</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">f\u00fcr beide Akquisitionen im vierten Quartal 2025</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:62.61pt\">abgeschlossen.</span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Die hohe Qualit\u00e4t der Aktiva zeigt sich durch einen hohen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Anteil der Kundenforderungen in Stufe 1 (Performing) von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">94% (2024: 95%) und lediglich 4% in Stufe 2 (Performing,</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">aber erh\u00f6htes Kreditrisiko) (2024: 4%). Der weiterhin</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">geringe Anteil der Stufe-2-Kundenaktiva am</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Gesamtbestand spiegelt unsere disziplinierten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Kreditvergabestandards und die Kreditqualit\u00e4t wider.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Aufgrund des gleichbleibenden Trends best\u00e4tigt dies die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">\u00dcbereinstimmung der erworbenen Unternehmen mit</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:95.74pt\">unserem Risikoappetit.</span><span class=\"f charStyle-34546584 ps7235\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Starkes Kreditrisikoprofil mit einer niedrigen NPL-Quote</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">von 0,8% (2024: 0,8%), einer angestiegenen NPL-</span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:228.19pt\">Wertberichtigung-Besicherungsquote von 55% (2024: </span><span class=\"f charStyle-e63b9797 ps7236\" style=\"width:19.69pt\">47%)</span><span class=\"f charStyle-e63b9797 ps208\" style=\"width:2.11pt\"> </span></div><div class=\"ps1530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps369\" style=\"width:200.8pt\">und einer NPL-Deckungsquote von 68% (2024: 71%</span><span class=\"f charStyle-34546584 ps7237\" style=\"width:5.75pt\">).</span><span class=\"f charStyle-34546584 ps7238\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Die Risikokosten des Jahres 2025 von 228 Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">82\u00a0Mio.\u00a0\u20ac) entsprechen einer Erh\u00f6hung auf 41 Basispunkte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1534 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">2025 (2024: 19 Basispunkte) und zeigen die erwartete</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1535 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Erh\u00f6hung folgend der Integration der neuen Akquisitionen</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">in 2025, wobei die Risikokosten im Jahr 2024 positiv durch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">die vollst\u00e4ndige Aufl\u00f6sung des ECL-Overlays beeinflusst</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:34.56pt\">wurden.</span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:225.14pt\">Robuste Liquidit\u00e4tsposition mit einer LCR-Quote von </span><span class=\"f charStyle-34546584 ps7239\" style=\"width:22.72pt\">204%</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:39.16pt\">(2024: </span><span class=\"f charStyle-34546584 ps7240\" style=\"width:22.72pt\">249%</span><span class=\"f charStyle-34546584 ps7241\" style=\"width:185.98pt\">) und einer Net-stable-funding-Quote</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:81.05pt\">(NSFR\u2212Quote) von </span><span class=\"f charStyle-34546584 ps7242\" style=\"width:26.16pt\">142% </span><span class=\"f charStyle-34546584 ps7243\" style=\"width:29.98pt\">(2024: </span><span class=\"f charStyle-34546584 ps7244\" style=\"width:22.72pt\">147%</span><span class=\"f charStyle-34546584 ps7245\" style=\"width:87.98pt\">). Beide Quoten sind</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:235.56pt\">damit deutlich \u00fcber den regulatorischen Anforderungen.</span><span class=\"f charStyle-34546584 ps7246\" style=\"width:2.36pt\"> </span></div><div class=\"ps6009 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:360pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss36\"><div><div class=\"ps276 ss34\"><span class=\"f charStyle-9f85f029 ps36\">Entwicklung der wichtigsten Risikokennzahlen <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss524\"><div><div class=\"ps1091 ss34\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps3606 ss526\"><div><div class=\"ps281 ss525\"><span class=\"f charStyle-c5fdbd46 ps7247\">Gesamtportfolio</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss524\"><div><div class=\"ps277 ss34\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7248 ss490\"><div><div class=\"ps281 ss319\"><span class=\"f charStyle-36b68314 ps5957\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7250 ss490\"><div><div class=\"ps281 ss319\"><span class=\"f charStyle-37455c2a ps7249\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7090 ss490\"><div><div class=\"ps624 ss319\"><span class=\"f charStyle-b27625d4 ps7251\">Ver\u00e4nderung </span></div><div class=\"ps281 ss319\"><span class=\"f charStyle-b27625d4 ps7252\">(Pkt.)</span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">NPL-Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7254 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7253\"></span><span class=\"ps7253\">0,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps7255 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7253\"></span><span class=\"ps7253\">0,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps7256 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">0,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Wertberichtungdeckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7258 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7257\"></span><span class=\"ps7257\">55,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7259 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7257\"></span><span class=\"ps7257\">47,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7260 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">7,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Deckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7261 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7257\"></span><span class=\"ps7257\">68,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7262 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7257\"></span><span class=\"ps7257\">70,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7263 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4675\">-2,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7264 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34 ps3432\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7265 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps3432\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7266 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps3432\">132<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">Stage 2 F\u00f6rderungen Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7268 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7253\"></span><span class=\"ps7253\">4,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7269 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7253\"></span><span class=\"ps7253\">4,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7270 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">LCR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7272 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7271\"></span><span class=\"ps7271\">204%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7273 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7271\"></span><span class=\"ps7271\">249%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7275 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps7274\">-45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">NSFR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7276 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7271\"></span><span class=\"ps7271\">142%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7277 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7271\"></span><span class=\"ps7271\">147%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7106 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps7278\">-5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss527\"><div><div class=\"ps4208 ss34\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps2852\">Risk Governance</span><div class=\"ps7280 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Risikobeurteilung</span></div><div class=\"ps6263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Gesch\u00e4ftst\u00e4tigkeit der BAWAG konzentriert sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vorwiegend auf das Privatkundengesch\u00e4ft in unseren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kernm\u00e4rkten sowie auf risikoarme \u00f6ffentliche Finanzierungen,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">selektives Firmenkundengesch\u00e4ft und Gewerbeimmobilien-</span></div><div class=\"ps6267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Finanzierungen in etablierten M\u00e4rkten, die ein angemessenes</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7281 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risiko-Ertrags-Profil aufweisen. Dabei geht die Gruppe die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">branchenspezifischen Risiken sowie jene der Wirtschaft im</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6270 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Allgemeinen ein. Die BAWAG \u00fcberwacht diese Risiken und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7282 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">steuert sie innerhalb eines strikten und umfassenden</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps6271 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Risikomanagementregelwerks, und stellt eine angemessene</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6272 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Kapital- und Liquidit\u00e4tsausstattung sicher, sollten derartige</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps6273 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:73.11pt\">Risiken eintreten.</span></div><div class=\"ps7283 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die BAWAG hat ein umfassendes und vorausschauendes</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7284 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risikomanagementsystem entwickelt, das die Art, den Umfang</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7285 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">und die Komplexit\u00e4t der Gesch\u00e4ftsaktivit\u00e4ten des Konzerns</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7286 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und die daraus resultierenden Risiken ber\u00fccksichtigt. Die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7287 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risikomanagement-Governance und -\u00dcberwachung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7288 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">BAWAG beinhaltet das Verst\u00e4ndnis von Risikotreibern,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7289 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risikoarten und Auswirkungen von Risiken. Risikoansatz,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7290 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Risikoappetit und Governance-Rahmenwerk der BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7291 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:87.59pt\">bleiben unver\u00e4ndert.</span></div><div class=\"ps7292 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Grunds\u00e4tze des Risikomanagements</span></div><div class=\"ps7293 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das Risikomanagement der BAWAG basiert auf den folgenden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7294 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:55.61pt\">Grunds\u00e4tzen:</span></div><div class=\"ps7295 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Risikobewusste Kultur: Risikomanagement ist eine</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7296 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">gemeinsame Anstrengung aller Gesch\u00e4ftseinheiten und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps7297 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Risikomanagementbereiche. Wir haben in der gesamten</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps7298 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Gruppe eine risikobewusste Kultur etabliert, die eine</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7299 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:211.77pt\">risikobasierte Entscheidungsfindung gew\u00e4hrleistet.</span></div><div class=\"ps7300 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Umsichtiger Umgang mit Risiken und Kreditvergabe: Unser</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps7301 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">strategisches Bekenntnis zu einem niedrigen Risikoprofil</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7302 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">spiegelt sich in unserem Fokus auf entwickelte M\u00e4rkte,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7303 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">unseren konservativen Kreditvergaberichtlinien mit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7304 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Schwerpunkt auf besichertem Gesch\u00e4ft und Renditen,</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7305 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">einer starken Kapitalposition, einer Kundenfinanzierung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7306 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">bestehend aus Einlagen und gedeckten Anleihen, und der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7307 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:222.53pt\">proaktiven Steuerung nicht-finanzieller Risiken wider.</span></div><div class=\"ps7308 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Integriertes Risikomanagement: Wir steuern alle</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7309 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">relevanten Risikoarten auf einer konzernweiten Basis und</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7310 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">stellen so einen konsistenten und koh\u00e4renten Ansatz f\u00fcr</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7311 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">unsere Risikomanagementaktivit\u00e4ten in der gesamten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7312 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:60.8pt\">Gruppe sicher.</span></div><div class=\"ps7313 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Gut etablierte Risiko-Governance: Das Governance-</span></div><div class=\"ps7314 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Rahmenwerk gew\u00e4hrleistet eine strikte Trennung von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7315 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Gesch\u00e4fts- und Risikofunktionen auf allen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7316 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Organisationsebenen und tr\u00e4gt zur effektiven Umsetzung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7317 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">und Kontrolle des Risikoappetites sowie der Risikostrategie</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7318 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:72.65pt\">des Konzerns bei.</span></div><div class=\"ps7319 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Effektive Risikoanalyse und -steuerung sowie effektives</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7320 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Risikoreporting: Ein umfassendes Risikoreporting in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Verbindung mit ausgereiften Risikomess- und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Validierungsverfahren, die alle wesentlichen Risikoarten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">abdecken, gew\u00e4hrleistet eine enge \u00dcberwachung und</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7324 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">fr\u00fchzeitige Erkennung entstehender Risiken. Die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Risikoanalyse wird durch solide und umfangreiche</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7326 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Stresstests erg\u00e4nzt, die eine gezielte Identifizierung von</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps7327 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:201.49pt\">Risikoschwachstellen des Konzerns erm\u00f6glichen.</span></div><div class=\"ps7328 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Das implementierte Risikomanagement-Rahmenwerk</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7329 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">gew\u00e4hrleistet eine effektive Identifizierung, Messung und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7330 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Steuerung von Risiken in der gesamten BAWAG und bildet die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Grundlage f\u00fcr fundierte risikobasierte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Gesch\u00e4ftsentscheidungen. Dies erm\u00f6glicht uns, rasch und<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">proaktiv auf Markttrends oder andere, sich verschlechternde</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Entwicklungen zu reagieren, und unterst\u00fctzt die organische</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und anorganische Wachstumsstrategie der Gruppe innerhalb</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:107.62pt\">des Gesamtrisikoappetits.</span></div><div class=\"ps1404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Risikoappetit</span></div><div class=\"ps1051 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Risikostrategie der BAWAG ist vollst\u00e4ndig auf die</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1052 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gesamtgesch\u00e4ftsstrategie des Konzerns abgestimmt ist. Der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1053 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Vorstand definiert und genehmigt den Risikoappetit und die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1054 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Risikostrategie auf j\u00e4hrlicher Basis. Das erm\u00f6glicht es uns,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1055 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">unsere Risiken besser zu steuern, indem wir\u00a0 sowohl qualitativ</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1056 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">als auch quantitativ festlegen, wie viel und welche Art von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Risiko wir eingehen m\u00f6chten. Der Risikoappetit dient als</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1059 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Einschr\u00e4nkung und bildet die Grundlage f\u00fcr die Allokation des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">vordefinierten verf\u00fcgbaren internen Kapitals um gezielt</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risiken, unter Ber\u00fccksichtigung der regulatorischen und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">\u00f6konomischen Rahmenbedingungen, der Liquidit\u00e4tsposition</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:250.11pt\">und der Profitabilit\u00e4tserwartungen der Gruppe, einzugehen.</span></div><div class=\"ps7332 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ps131\"><div class=\"ps1\"><img alt=\"image.png\" id=\"i-23\" 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\" style=\"height:179.68pt;width:262.06pt\"/></div></div></div><div class=\"ps7333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Governance-Rahmenwerk</span></div><div class=\"ps7334 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die etablierte Risiko-Governance stellt die Umsetzung der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7335 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Risikostrategie der Gruppe durch die operativen und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7336 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">strategischen Risikomanagementfunktionen und die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7337 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">relevanten Komitees der BAWAG sicher. Der Ansatz der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7338 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">BAWAG in Bezug auf Risiken basiert auf einem koordinierten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7339 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kontrollframework und wird durch eine starke</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7340 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Risikomanagementkultur und -struktur verwaltet. Die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7341 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Governance wird vom Vorstand durch die Delegation von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7342 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Befugnissen innerhalb der Managementhierarchie</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7343 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sichergestellt und durch entsprechende Komitees unterst\u00fctzt,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7344 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">um eine fundierte Entscheidungsfindung und Kommunikation</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7345 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:64.46pt\">sicherzustellen.</span></div><div class=\"ps7346 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Der Vorstand wird monatlich bzw. anlassbezogen \u00fcber die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7347 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gesamtrisikosituation und m\u00f6gliche zuk\u00fcnftige Entwicklungen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">informiert. Die Risikoberichterstattung basiert auf klar</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">definierten Risikokennzahlen und umfasst alle S\u00e4ule-I- und</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">S\u00e4ule-II-relevanten Themen (wobei sich S\u00e4ule I auf die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">aufsichtsrechtlichen Mindestkapitalanforderungen und S\u00e4ule II</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">auf die Bewertung der internen Kapitalad\u00e4quanz gem\u00e4\u00df dem</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Basel-Rahmenwerk bezieht, um alle Risiken abzudecken,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">denen die Gruppe \u00fcber die Mindestkapitalanforderungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">potenziell ausgesetzt sein kann). Risikoberichte werden auf</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">viertelj\u00e4hrlicher Basis dem Risikoausschuss des Aufsichtsrates</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">vorgelegt. Die Risikomanagementrichtlinien werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">regelm\u00e4\u00dfig \u00fcberpr\u00fcft, um Ver\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Konzernstrategie, der regulatorischen Anforderungen sowie</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">der Marktbedingungen zu ber\u00fccksichtigen. Besonderes</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Augenmerk wird dabei auf Adaptierungen in Bezug auf die</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:164.77pt\">Expansionsstrategie der BAWAG gelegt.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Potenzielle neue Risiken sowie regulatorische Entwicklungen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">werden beobachtet, um m\u00f6gliche Auswirkungen auf das</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:213.16pt\">Risikomanagement und die Strategie zu evaluieren.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Der Chief Risk Officer (CRO) der BAWAG ist gemeinsam mit</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">den relevanten Risikomanagementfunktionen f\u00fcr die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Umsetzung und Einhaltung der definierten Risikostrategie f\u00fcr</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">alle Risikoarten verantwortlich. Diese bilden die unabh\u00e4ngige</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:117pt\">Risikomanagementfunktion.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die folgenden Bereiche \u00fcberwachen die Umsetzung und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Durchf\u00fchrung der risikobezogenen Richtlinien (Stand</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:52.42pt\">31.12.2025):</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:168.61pt\">Enterprise Risk Management &amp; Analytics</span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:42.23pt\">Validation</span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:126.46pt\">Commercial Risk Management</span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:100.56pt\">Retail Risk Management</span><span class=\"f charStyle-34546584 ps7348\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:111.16pt\">Group Sustainability Office</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Dar\u00fcber hinaus ist die Abteilung Kreditrisiko-Reporting f\u00fcr das</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">interne und externe Reporting des Kreditrisikoportfolios sowie</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">f\u00fcr den Forecast von Risiko-KPIs inklusive Risikokosten des</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Konzerns sowie der Tochtergesellschaften verantwortlich. Die</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Abteilung ist dem Bereich Commercial Risk und dem Bereich</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Retail Risk Management (gemeinsame Berichterstattung)</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:46.15pt\"><span style=\"background-color:inherit\">unterstellt.</span></span><span class=\"f charStyle-5a2826df ps7349\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Ein wirksames Compliance- und Risikomanagement ist ein</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">entscheidender Aspekt f\u00fcr den Erfolg einer Bank. Neben den</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">herk\u00f6mmlichen Risikoarten gewinnt auch das gruppenweite</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Management von nicht-finanziellen Risiken sowie von</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Umwelt-, Sozial- und Unternehmensverantwortung</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">zunehmend an Bedeutung. Daher wurden ein ESG-</span></span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Rahmenwerk sowie eine korrespondierende ESG-Strategie</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">innerhalb der gruppenweiten (Risiko-)Organisation</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">implementiert, unter Ber\u00fccksichtigung regulatorischer</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Anforderungen und Implikationen aus der</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:125.09pt\"><span style=\"background-color:inherit\">Risikomaterialit\u00e4tsbewertung.</span></span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Die BAWAG f\u00f6rdert eine Risikokultur, die</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">nachhaltigkeitsbezogene Risiken, inklusive klima- und</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">umweltbezogene Risiken, ber\u00fccksichtigt. Als Teil der</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">konzernweiten Integration von Nachhaltigkeit wurden</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Verantwortlichkeiten in die jeweiligen Funktionen eingebettet,</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">was unsere Auffassung widerspiegelt, dass Nachhaltigkeit eher</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">ein integraler Bestandteil unseres Betriebsmodells, als eine</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">eigenst\u00e4ndige Einheit ist. Zu diesem Zweck hat die Gruppe</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">eine Governance-Struktur eingerichtet, um sicherzustellen,</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">dass die Identifizierung, Messung, Bewertung, das</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Management und die \u00dcberwachung von</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">nachhaltigkeitsbezogenen Risiken vollst\u00e4ndig \u00fcber alle</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Organisationseinheiten hinweg in das Risikomanagement-</span></span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Framework integriert ist, und kontinuierlich weiter entwickelt</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:21.33pt\"><span style=\"background-color:inherit\">wird:</span></span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Aufsichtsrat: Nachhaltigkeitsbezogene Risiken werden</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">sowohl im viertelj\u00e4hrlichen RCC als auch im regul\u00e4ren</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:130.51pt\"><span style=\"background-color:inherit\">Aufsichtsratsupdate behandelt.</span></span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Vorstand: Der Vorstand erh\u00e4lt zumindest viertelj\u00e4hrlich ein</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:209.93pt\"><span style=\"background-color:inherit\">Update zu den nachhaltigkeitsbezogenen Themen.</span></span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Group Sustainability Office: Dieser Bereich koordiniert</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Initiativen, Strategien, etc. im Bereich Nachhaltigkeit \u00fcber</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps956\" style=\"width:129.18pt\">alle Konzernfunktionen hinweg</span><span class=\"f charStyle-b1e544a7 ps2852\">ICAAP und Stresstest</span><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Der \u201eInternal Capital Adequacy Assessment Process\u201c (ICAAP)</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps952 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">bildet die zentral koordinierte Grundlage des</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Risikomanagements der BAWAG und umfasst Gesch\u00e4fts-,</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Finanz- und Risikoprozesse, die die Angemessenheit der</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Kapitalausstattung der BAWAG beurteilen und jederzeit</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps955 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">sicherstellen. Dazu geh\u00f6ren die Ber\u00fccksichtigung des</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Risikoprofils und die Qualit\u00e4t des Risikomanagements und des</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Kontrollumfelds. In \u00dcbereinstimmung mit dem ICAAP-</span></span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Leitfaden der EZB hat die BAWAG zwei ICAAP-Perspektiven</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">implementiert, die normative und die \u00f6konomische</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Perspektive, um die Kapitalad\u00e4quanz sowohl gem\u00e4\u00df den</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">aufsichtsrechtlichen Anforderungen als auch im</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Zusammenhang mit der \u00f6konomischen Perspektive \u00fcber einen</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">mehrj\u00e4hrigen Zeitraum f\u00fcr alle Risiken der BAWAG zu</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">beurteilen. Dabei werden in beiden Perspektiven dieselben</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:256.21pt\"><span style=\"background-color:inherit\">Stressszenarien (Basis- und Negativszenario) zugrunde gelegt.</span></span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:261.98pt\"><span style=\"background-color:inherit\">Die Ziele des ICAAP der BAWAG umfassen alle Prozesse und</span></span><span class=\"f charStyle-5a2826df ps1445\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:233.59pt\"><span style=\"background-color:inherit\">Ma\u00dfnahmen, um die folgenden Aspekte sicherzustellen:</span></span></div><div class=\"ps7352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">die angemessene Identifizierung, Beurteilung, Messung,</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:158.32pt\"><span style=\"background-color:inherit\">Bewertung und Steuerung von Risiken</span></span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">ein angemessenes internes Kapital im Verh\u00e4ltnis zum</span></span><span class=\"f charStyle-5a2826df ps1526\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:46.55pt\"><span style=\"background-color:inherit\">Risikoprofil</span></span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:148.91pt\"><span style=\"background-color:inherit\">eine angemessenes Liquidit\u00e4tsprofil</span></span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:242.2pt\"><span style=\"background-color:inherit\">die angemessene Qualit\u00e4t der internen Kapitalausstattung</span></span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">den Einsatz und die Weiterentwicklung von geeigneten</span></span><span class=\"f charStyle-5a2826df ps1526\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:118.99pt\"><span style=\"background-color:inherit\">Risikomanagementsystemen</span></span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Die konzernweiten ICAAP-Prozesse laufen in enger</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Abstimmung mit den Planungs- und Budgetierungsprozessen</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">und sind damit in das proaktive</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:173.61pt\"><span style=\"background-color:inherit\">Gesamtbankrisikomanagement integriert.</span></span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Auf j\u00e4hrlicher Basis wird im Rahmen eines Risk Self-</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Assessment (RSA) die Risikosituation der BAWAG quantitativ</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">und qualitativ bewertet. Alle im Zusammenhang mit der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Umsetzung der Gesch\u00e4ftsstrategie stehenden Risiken im</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Rahmen des RSAs werden hinsichtlich ihres Ausma\u00dfes sowie</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">ihrer Materialit\u00e4t und ihres Einflusses auf die BAWAG<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:39.41pt\">evaluiert.</span></div><div class=\"ps7354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-923e3646 ps185\"><span style=\"background-color:inherit\">Normative Perspektive</span></span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Die normative Perspektive beurteilt, ob die Gruppe</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">mittelfristig in der Lage ist, unter Anwendung</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">unterschiedlicher makro\u00f6konomischer Szenarien</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">(einschlie\u00dflich starker wirtschaftlicher Abschw\u00fcnge) alle</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">quantitativen regulatorischen und aufsichtsrechtlichen</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:112.34pt\"><span style=\"background-color:inherit\">Anforderungen zu erf\u00fcllen.</span></span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Im Rahmen der normativen Perspektive prognostiziert die</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps952 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">BAWAG alle wesentlichen Risiken \u00fcber einen mittelfristigen</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Zeitraum. Dies umfasst alle S\u00e4ule-I-Risiken (Kreditrisiko,</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Marktrisiko, Operationelles Risiko) sowie alle wesentlichen</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Risiken. Die BAWAG bewertet diese Risiken viertelj\u00e4hrlich</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps955 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">hinsichtlich ihrer Auswirkungen auf den Kapitalbedarf (RWA)</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">und die Rentabilit\u00e4t (P&amp;L) Die folgenden Risikoarten werden</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:118.33pt\"><span style=\"background-color:inherit\">betrachtet und quantifiziert:</span></span></div><div class=\"ps962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Kreditrisiko: Die Quantifizierung des Kreditrisikos basiert</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">auf dem regulatorischen Ansatz (Standardized, Advanced</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7355 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">und Foundation IRB) und wird in der Kapitalsicht (RWA)</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">ber\u00fccksichtigt. Verluste aus Kreditrisiken werden auch in</span></span><span class=\"f charStyle-5a2826df ps1526\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps966 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">der GuV-Sicht in Form von erwarteten Kreditverlusten</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps967 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:61.07pt\"><span style=\"background-color:inherit\">ber\u00fccksichtigt.</span></span><span class=\"f charStyle-5a2826df ps7356\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Einzelnamenkonzentrationsrisiko: betrifft wirtschaftliche</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7358 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Kreditnehmergruppen, die hinreichend relevant und daher</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7359 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">in Bezug auf den Kapitalverbrauch miteinander verbunden</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7360 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">sind und auf Einzelbasis \u00fcberwacht und gesteuert werden.</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Die wichtigsten Kapitalverbraucher werden im Rahmen des</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">adversen ICAAP-Szenarios zus\u00e4tzlich durch eine h\u00f6here</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7362 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:178.39pt\"><span style=\"background-color:inherit\">Ausfallswahrscheinlichhkeit ber\u00fccksichtigt.</span></span><span class=\"f charStyle-5a2826df ps7361\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Marktrisiko: Die Quantifizierung des Marktrisikos f\u00fcr das</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Handelsbuch basiert auf dem regulatorischen Ansatz und</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">wird in der Kapitalsicht (RWA) ber\u00fccksichtigt. Derzeit h\u00e4lt</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">die Gruppe keine Positionen im Handelsbuch. Die BAWAG</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">hat Zins\u00e4nderungsrisiken im Bankbuch und Credit-Spread-</span></span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Risiken als materielle Marktrisiken klassifiziert. Diese</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">finden entsprechend in der GuV-Sicht (Nettozinsertrag,</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:235.95pt\"><span style=\"background-color:inherit\">Bewertungsergebnis, sonstige Ertr\u00e4ge) Ber\u00fccksichtigung.</span></span><span class=\"f charStyle-5a2826df ps7363\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Operationelles Risiko: Die Quantifizierung des</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">operationellen Risikos erfolgt basierend auf dem</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Standardised Measurement Approach (SMA). Die</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Quantifizierung wird durch zus\u00e4tzliche Informationen</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">bereichert, wie etwa Risiken, die im RCSA-Prozess bewertet</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:182.76pt\">werden, historische Verluste und Szenarien.</span></div><div class=\"ps3933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">\u00d6konomische Perspektive</span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Die \u00f6konomische Perspektive stellt auf Basis eines</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">mehrj\u00e4hrigen Zeithorizonts alle wesentlichen und nicht</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">wesentlichen quantifizierbaren Risiken dem internen Kapital</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">gegen\u00fcber. F\u00fcr alle quantifizierbaren Risikokategorien und</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:16.52pt\"><span style=\"background-color:inherit\">\u00a0 \u00a0 \u00a0  </span></span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">-portfolios werden im Rahmen der Risikostrategie im Einklang</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">mit der j\u00e4hrlichen Budget- und Strategieplanung Limite</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">festgelegt. Die Einhaltung der Limite wird monatlich anhand</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">der tats\u00e4chlichen sowie prognostizierten Auslastung</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:47.21pt\"><span style=\"background-color:inherit\">\u00fcberwacht.</span></span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">In der \u00f6konomischen Perspektive werden die folgenden</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:227.01pt\"><span style=\"background-color:inherit\">Risikoarten betrachtet und entsprechend quantifiziert:</span></span><span class=\"f charStyle-5a2826df ps7364\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7365 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Kreditrisiko: Die Quantifizierung des Kreditrisikos basiert</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7366 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">auf statistischen Modellen unter Anwendung von IRB sowie</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7367 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">von IFRS 9 \u00fcber den gesamten Zyklus hinweg mit</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7368 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Ber\u00fccksichtigung konservativer Risikoparameter (PD und</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7369 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">LGD) f\u00fcr alle wesentlichen Portfoliosegmente. Dies umfasst</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7370 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">auch nicht konsolidierte Beteiligungen (PD- und LGD-</span></span></div><div class=\"ps7371 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Ansatz), Verbriefungen als Originator (einschlie\u00dflich</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7372 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Risikotransfer und PD des Garantiegebers) und</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Verbriefungen als Investor (Monte-Carlo-Simulation).</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Zus\u00e4tzliche Kapitalpositionen werden f\u00fcr Einzelnamen-</span></span></div><div class=\"ps962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Kreditrisikokonzentrationen und f\u00fcr das</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">fremdw\u00e4hrungsinduzierte Kreditrisiko vorgehalten. Um</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7355 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Verluste aufgrund einer Verschlechterung des</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Schuldnerratings abzudecken, hat die BAWAG</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps966 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:217.97pt\"><span style=\"background-color:inherit\">\u00f6konomisches Kapital f\u00fcr Migrationsrisiken alloziert.</span></span><span class=\"f charStyle-5a2826df ps7373\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps969 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:50.34pt\"><span style=\"background-color:inherit\">Marktrisiko:</span></span><span class=\"f charStyle-5a08618b ps7374\" style=\"width:4.59pt\"><span style=\"background-color:inherit\"> </span></span><span class=\"f charStyle-5a2826df ps7375\" style=\"width:192.95pt\"><span style=\"background-color:inherit\">Die Quantifizierung des Zins\u00e4nderungsrisikos</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">im Bankbuch und des Credit-Spread-Risikos in der</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7358 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">\u00f6konomischen Sichtweise erfolgt auf Basis von Value-at-</span></span></div><div class=\"ps7359 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Risk-Modellen. Andere Marktrisiken, wie das Fondsrisiko</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7360 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">oder das Fremdw\u00e4hrungsrisiko oder Aktienrisiko im</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Bankbuch, werden mit \u00e4hnlichen Value-at-Risk- oder</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:195.44pt\"><span style=\"background-color:inherit\">Worst-Case-Bewertungsmodellen quantifiziert.</span></span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Liquidit\u00e4tsrisiko: Die Quantifizierung des strukturellen</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Liquidit\u00e4tsrisikos erfolgt auf Basis aktueller Liquidit\u00e4tsgaps</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">unter Verwendung angenommener potenzieller</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Verschlechterungen der eigenen Refinanzierungskosten.</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">F\u00fcr das Marktliquidit\u00e4tsrisiko im Anlagebuch und das FX-</span></span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Basis-Spread-Risiko werden Quantifizierungsverfahren auf</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:212.84pt\"><span style=\"background-color:inherit\">Basis historischer Worst-Case-Analysen verwendet.</span></span><span class=\"f charStyle-5a2826df ps7376\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Nicht-finanzielles Risiko: Das nicht-finanzielle Risiko</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">umfasst das operationelle Risiko im engeren Sinne und</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">weitere Subrisiken wie das Rechtsrisiko, das Betrugsrisiko,</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">das Compliance-Risiko, Verhaltensrisiken, Informations-</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">und Kommunikationsrisiken (IKT-Risiken) einschlie\u00dflich</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Cyberrisiken, Modellrisiken, Abwicklungs- und</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Prozessrisiken, das Risiko gegen\u00fcber Dritten inklusive dem</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Outsourcing-Risiko, Risiken, die sich aus externen</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Ereignissen ergeben, und Risiken, die sich aus</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Besch\u00e4ftigungspraktiken und der Sicherheit am</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Arbeitsplatz ergeben, sowie das Reputationsrisiko. Die</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Quantifizierung des operationellen Risikos in der</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">\u00f6konomischen Perspektive basiert auf zwei Komponenten:</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Gesch\u00e4ftsindikatorkomponente (vereinfachte, f\u00fcr alle</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Institute einheitliche Berechnung des Jahresergebnisses f\u00fcr</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">die Messung des operationellen Risikos) und interner</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Verlustmultiplikator (Komponente mit bank-spezifischen</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">operationellen Verlustdaten); die beiden Komponenten</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">werden multipliziert, um die Kapitalanforderung f\u00fcr das</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">operationelle Risiko zu erhalten (Standardised</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:164.67pt\"><span style=\"background-color:inherit\">Measurement Approach gem. Basel IV).</span></span><span class=\"f charStyle-5a2826df ps7377\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:51.37pt\"><span style=\"background-color:inherit\">ESG-Risiken:</span></span><span class=\"f charStyle-5a08618b ps7378\" style=\"width:5.08pt\"><span style=\"background-color:inherit\"> </span></span><span class=\"f charStyle-5a2826df ps7379\" style=\"width:191.44pt\"><span style=\"background-color:inherit\">ESG-Risiken aus Kredit-, Markt,- Liquidit\u00e4ts-</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">und operationellen Risiken wurden explizite interne</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Kapitallimits basierend auf dem Assessment von ESG-</span></span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">Risiken in unserem Portfolio zugewiesen. Das ESG-Risiko ist</span></span><span class=\"f charStyle-5a2826df ps1526\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">insgesamt niedrig, da das Engagement in Branchen mit</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">hohem \u00dcbergangsrisiko wie dem Bereich fossiler</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Brennstoffe und nat\u00fcrlicher Ressourcen gering ist und</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:159.5pt\"><span style=\"background-color:inherit\">physische Risiken gemanaged werden.</span></span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Sonstige Risiken: Diese Risikokategorie inkludiert das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Immobilienrisiko, das Gesch\u00e4ftsrisiko, das Pensionsrisiko,</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">das systemische Risiko, das Risiko einer \u00fcberm\u00e4\u00dfigen</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Verschuldung, das makro\u00f6konomische Risiko, das</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Kapitalrisiko und das Versicherungsrisiko. Im Allgemeinen</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">wird das erforderliche \u00f6konomische Kapital f\u00fcr das</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Immobilienrisiko, das systemische Risiko, das Risiko einer</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">\u00fcberm\u00e4\u00dfigen Verschuldung und das Kapitalrisiko mittels</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">vereinfachten Value-at-Risk(VaR)-Modells mit einem</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Konfidenzniveau von 99,9% basierend auf den historischen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">j\u00e4hrlichen Verlusten, dem erwarteten durchschnittlichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Verlust f\u00fcr das jeweilige Gesch\u00e4ftsjahr und der erwarteten</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Schwankungsbreite quantifiziert. W\u00e4hrend das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1534 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Pensionsrisiko mit einer vereinfachten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1535 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Quantifizierungsmethode (basierend auf</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Expertensch\u00e4tzung und historischen Beobachtungen)</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">berechnet wird, wird kein zus\u00e4tzliches Kapital f\u00fcr das</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">makro\u00f6konomische Risiko bereitgestellt, da</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">makro\u00f6konomische Faktoren bei der Quantifizierung der</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">einzelnen Risikotypen unter Anwendung von validierten</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Modellen ber\u00fccksichtigt werden. Dar\u00fcber hinaus wird das</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Gesch\u00e4ftsrisiko auf verschiedenen Ebenen innerhalb der</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Gruppe abgedeckt (mehrj\u00e4hrige ICAAP \u00f6konomische und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">normative Perspektive, monatlicher MB-Bericht [Plan vs.</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Ist] usw.), daher w\u00fcrde eine zus\u00e4tzliche Kapitalallokation zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">einer Doppelunterlegung f\u00fchren. Das Versicherungsrisiko</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:137.08pt\">ist f\u00fcr die BAWAG nicht relevant.</span><span class=\"f charStyle-34546584 ps7380\" style=\"width:2.36pt\"> </span></div><div class=\"ps7382 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps2\">S</span><span class=\"f charStyle-b1e544a7 ps7381\">tresstests</span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Stresstests sind ein wichtiges Instrument des</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1059 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Risikomanagements, das sowohl f\u00fcr die Beurteilung der</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Gesch\u00e4ftsstrategie als auch f\u00fcr das operative</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Risikomanagement, wie z.B. die Risikoidentifizierung, die</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Risikobereitschaft und die Festlegung von Limiten, von Nutzen</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:12.46pt\"><span style=\"background-color:inherit\">ist.</span></span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Stresstests identifizieren potenzielle Schwachstellen des</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Gesch\u00e4ftsmodells und bewerten, ob f\u00fcr diese ausreichend</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">internes Kapital vorgehalten wird. Sie stellen sicher, dass die</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Gesch\u00e4ftsplanung nicht nur die erwartete wirtschaftliche</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Entwicklung ber\u00fccksichtigt, sondern Entwicklungen in einem</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262pt\"><span style=\"background-color:inherit\">stark negativen Umfeld in die Beurteilung mit einbezieht. Die</span></span><span class=\"f charStyle-5a2826df ps167\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Kapital- und Liquidit\u00e4tsniveaus, die unter solchen</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Stresssituationen getestet werden, dienen als Grundlage f\u00fcr</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">die Portfoliooptimierung, um m\u00f6gliche negative</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Entwicklungen zu begrenzen und eine ausreichende</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:144.43pt\"><span style=\"background-color:inherit\">Kapitalausstattung sicherzustellen.</span></span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Stresstests (inklusive der Ber\u00fccksichtigung beider ICAAP-</span></span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Perspektiven) sind vollst\u00e4ndig im gruppenweiten strategischen</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Risikomanagement, im Kapitalmanagement und in den</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps955 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:174.75pt\"><span style=\"background-color:inherit\">Planungsprozessen der BAWAG integriert.</span></span><span class=\"f charStyle-5a2826df ps7383\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Die Methodik und die Resultate der beiden ICAAP-</span></span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Perspektiven sowie der Stresstests werden quartalsweise im</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:261.99pt\"><span style=\"background-color:inherit\">ICAAP &amp; Stress Testing Committee (ISTC) besprochen und in</span></span><span class=\"f charStyle-5a2826df ps249\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">weiterer Folge an das Enterprise Risk Management berichtet.</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Das ERM ist f\u00fcr die Beurteilung der Ergebnisse verantwortlich,</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">um, falls notwendig, Korrekturma\u00dfnahmen bez\u00fcglich des</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Risikoappetits oder der Gesch\u00e4ftsstrategie zu definieren. Der</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Entwurf und die Genehmigung makro\u00f6konomischer Szenarien</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">f\u00fcr interne Stresstests werden an das Macroeconomic</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Scenario Committee (MSC) delegiert, das viertelj\u00e4hrlich vor</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">der Sitzung des ICAAP &amp; Stress Testing Committee (ISTC)</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:46.59pt\"><span style=\"background-color:inherit\">stattfindet.</span></span></div><div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Die Abh\u00e4ngigkeiten zwischen den beiden ICAAP-Perspektiven,</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">den Stresstests und der Kapitalsteuerung sind formal im</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:181.72pt\"><span style=\"background-color:inherit\">Rahmen der internen Governance definiert.</span></span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Die im Rahmen der Eigenkapitalplanung festgelegten und vom</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Capital Management Meeting monatlich \u00fcberwachten</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Kapitalquoten dienen als Vergleichsgr\u00f6\u00dfe f\u00fcr die normative</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Perspektive sowie f\u00fcr die Stresstests. Der Kapitalnotfallplan</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">wurde ausgearbeitet, um extreme Stressszenarien zu</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">ber\u00fccksichtigen. Im Rahmen der normativen Perspektive sowie</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">der Stresstests bewertet das Management, ob die</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262pt\"><span style=\"background-color:inherit\">Kapitalquoten unter Stress \u00fcber den Recovery Levels bleiben.</span></span><span class=\"f charStyle-5a2826df ps186\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262pt\"><span style=\"background-color:inherit\">Im Falle einer Verletzung der Recovery Levels sind</span></span><span class=\"f charStyle-5a2826df ps186\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Ma\u00dfnahmen zur ad\u00e4quaten Verbesserung der</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Kapitalausstattung zu treffen, um die Kapitalquoten auch in</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:226.19pt\"><span style=\"background-color:inherit\">einem Stressszenario \u00fcber den Recovery Levels zu halt</span></span><span class=\"f charStyle-34546584 ps7384\" style=\"width:13.04pt\">en.</span></div><span class=\"f charStyle-b1e544a7 ps2895\">Kreditrisiko</span><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Das Kreditrisiko umfasst das Kreditausfallrisiko, welches den</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1059 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">teilweisen oder kompletten Verlust einer Forderung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">gegen\u00fcber einem Kunden bedeutet, wenn dieser nicht zahlen</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">kann oder will. Neben dem Kreditausfallrisiko sind auch das</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kreditkonzentrationsrisiko, das Kreditmigrationsrisiko, das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Devisenkreditrisiko, das Restrisiko aus</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kreditmigrationsrisikotechniken sowie das L\u00e4nderrisiko</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:125.28pt\">Bestandteile des Kreditrisikos.</span><span class=\"f charStyle-34546584 ps7385\" style=\"width:2.36pt\"> </span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Die BAWAG hat hohe Standards in Bezug auf</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kreditrisikoprozesse und -methoden definiert. Das Augenmerk</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">der Risikoorganisation liegt vor allem auf der st\u00e4ndigen</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Weiterentwicklung der Risikoquantifizierungsmethoden. F\u00fcr</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">alle Subportfolien gelten spezifische Standards, die regelm\u00e4\u00dfig</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">modelliert, \u00fcberwacht, statistisch kalibriert und validiert</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:34.28pt\">werden.</span></div><div class=\"ps1070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps185\">Governance</span></div><div class=\"ps1071 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Im Rahmen des Kreditrisikomanagements besteht eine</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1072 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">funktionale Spezialisierung f\u00fcr die Kundensegmente Kommerz-</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1073 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">und Institutionelle Kunden (Commercial Credit Risk</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1074 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Management) sowie Privat- und Gesch\u00e4ftskunden (Retail Risk</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1075 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Management). Das Credit Approval Committee (CAC), ein</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1076 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">spezielles Gremium auf Vorstandsebene, ist f\u00fcr die Bewilligung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1077 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">von Kreditantr\u00e4gen im Rahmen der Befugnisse, die in der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1078 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kompetenz- und Pouvoirordnung festgelegt sind,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7386 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">verantwortlich. Die Berechnung und Aggregation der einzelnen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1079 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Risikoindikatoren (z.B. NPL-Quote, Risikokosten,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1080 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Deckungsquoten etc.) f\u00fcr das definierte regelm\u00e4\u00dfige Reporting</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1081 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">erfolgt in einem einheitlichen Prozess in der Verantwortung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1082 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:147.79pt\">der Abteilung Kreditrisikoreporting.</span><span class=\"f charStyle-34546584 ps7387\" style=\"width:2.36pt\"> </span></div><div class=\"ps1084 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:186.17pt\">Kernziele des Kreditrisikomanagements sind:</span></div><div class=\"ps7388 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Gezielte \u00dcbernahme von Kreditrisiken in \u00dcbereinstimmung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7389 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:148.51pt\">mit dem genehmigten Risikoappetit</span></div><div class=\"ps7390 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">\u00dcberwachung von Kreditrisiken \u00fcber den gesamten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7391 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:54.21pt\">Lebenszyklus</span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Zeitnahe Identifizierung, Bewertung, Messung und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:113.47pt\">Reporting von Kreditrisiken</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Diese Ziele und Prinzipien des Kreditrisikomanagements</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:155.73pt\">werden operativ wie folgt umgesetzt:</span><span class=\"f charStyle-34546584 ps7392\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Disziplinierte Kreditvergabe in gut etablierten M\u00e4rkten mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Schwerpunkt auf besicherte Kredite oder Kunden, die \u00fcber</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">den gesamten Kreditzyklus hinweg \u00fcber eine sehr gute</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:72.37pt\">Bonit\u00e4t verf\u00fcgen.</span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Kreditrisiken werden in Abh\u00e4ngigkeit vom zugrunde</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">liegenden Risikoprofil in unterschiedlichen</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Organisationseinheiten gemanagt. Unternehmenskredite</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">werden durch Experten evaluiert, die umfangreiches Know-</span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">how \u00fcber die jeweils zugrundeliegende Branche haben,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">w\u00e4hrend Privatkundenkredite unter Zuhilfenahme</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">quantitativer Analysen und Ratingmodelle auf</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:141.24pt\">Segmentebene gesteuert werden.</span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Ein entsprechendes Fr\u00fchwarn-, Betreibungs- und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Abwicklungssystem sowie Kreditrisikoreporting stellt</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">sicher, dass Kreditrisiken auf Einzelschuldnerebene so fr\u00fch</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">wie m\u00f6glich identifiziert und geeignete Ma\u00dfnahmen zur</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:144.78pt\">Risikominderung ergriffen werden.</span></div><div class=\"ps7393 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Bonit\u00e4tsbeurteilung</span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Kreditw\u00fcrdigkeit von Privat- und Gesch\u00e4ftskunden wird</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zus\u00e4tzlich zu den klar definierten Kreditvergaberichtlinien \u00fcber</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">automatisierte Scoringverfahren bewertet. Diese bestehen aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">einem Antragsscoring, das auf statistischen Modellen beruht,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">sowie einem Verhaltensscoring, dem die Kontogestion des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps952 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kunden zugrunde liegt. Zus\u00e4tzlich werden externe</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Informationen (wie z.B. Wirtschaftsauskunftei) ber\u00fccksichtigt.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Auf dieser Basis wird eine monatlich aktualisierte</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:173.64pt\">Bonit\u00e4tseinsch\u00e4tzung der Kunden erstellt.</span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Neben der Bonit\u00e4tsbeurteilung werden auch der erwartete</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verlust bei Ausfall (LGD) sowie die erwartete Ausnutzung des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Off-Balance-Exposures zum Ausfallszeitpunkt (Credit</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Conversion Factor, CCF) f\u00fcr Privat- und Gesch\u00e4ftskunden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">gesch\u00e4tzt. Die Sch\u00e4tzung, welche auf historischen Daten des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beobachteten Kundenverhaltens basiert, wird anhand</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:254.42pt\">qualifizierter statistischer Methoden und Modelle berechnet.</span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Vor \u00dcbernahme neuer kommerzieller Risiken bzw. der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ausweitung bestehender Positionen erfolgt eine</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bonit\u00e4tsanalyse der Kreditnehmer auf Basis eines dem<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Kundensegment entsprechenden internen Ratingverfahrens.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Dabei st\u00fctzen sich die Ratingverfahren grunds\u00e4tzlich auf ein</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps972 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">breites Spektrum quantitativer und qualitativer Faktoren. Die<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">auf diese Weise ermittelte Risikoeinstufung wird auf einer</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">einheitlichen Masterskala abgebildet und jedem Kunden als</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:254.21pt\">individuell gesch\u00e4tzte Ausfallswahrscheinlichkeit zugeordnet.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Um Risikokonzentrationen auf Kunden- und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundengruppenebene aufzuzeigen, werden Limite f\u00fcr die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Forderungsh\u00f6hen definiert, \u00fcberwacht und regelm\u00e4\u00dfig an</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:151.33pt\">Vorstand und Aufsichtsrat berichtet.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Basierend auf der zentralen Struktur und Ausrichtung der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Risikomanagementprozesse der BAWAG k\u00f6nnen neue</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">regulatorische Risikovorschriften oder eine ver\u00e4nderte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Marktsituation in den Risikomanagementstrategien kurzfristig</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:80.74pt\">abgebildet werden.</span></div><div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps2\">\u00dcbersicht</span><span class=\"f charStyle-b1e544a7 ps7397\"> \u00fcber das gesamte Kreditportfolio</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die nachfolgenden Abschnitte geben einen \u00dcberblick \u00fcber die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Struktur und die Portfolioqualit\u00e4t des gesamten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:228.91pt\">Kreditrisikoportfolios und in den einzelnen Segmenten.</span></div><div class=\"ps4242 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps7398\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps7399\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">38.679<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">13.938<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.653<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-457<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">54.814<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">38.679<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">12.312<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">214<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-457<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Forderungen an Banken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">404<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">452<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.579<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.035<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.613<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte FVPL/FVOCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">131<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">227<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.105<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.683<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">14.184<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-93<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">14.093<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Bilanzielle Gesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.942<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-330<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">70.590<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2683 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Au\u00dferbilanzielle Gesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.357<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">455<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.977<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2689 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">54.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">16.308<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.965<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">88.568<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2262 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">davon besichert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">30.292<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2696 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.986<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2697 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">324<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">196<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.798<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2265 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">davon NPL (Bruttosicht)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7400 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7401 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2266 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2267 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">680<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2096 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">88<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2102 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">99<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps751 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">98<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2699 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">294<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">307<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2705 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2706 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2707 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2708 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2709 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2710 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2784 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe der Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6787 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">469<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">31<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2785 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2786 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2787 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Prudential Filter<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6792 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6793 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6794 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"11\" style=\"border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7403 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps7398\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps7399\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">33.948<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">13.251<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.553<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-345<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">49.407<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">33.948<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">11.735<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">160<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-348<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">45.495<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Forderungen an Banken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">770<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">830<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.457<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.623<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.081<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte FVPL/FVOCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">151<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">88<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.768<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">335<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.342<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.561<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.604<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Bilanzielle Gesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">21.882<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">69.353<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2683 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Au\u00dferbilanzielle Gesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.884<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.295<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">30<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">748<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.958<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2689 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">40.989<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">15.634<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">21.912<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">775<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">79.311<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2262 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">davon besichert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">29.953<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2696 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.595<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2697 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">438<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.122<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2265 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">davon NPL (Bruttosicht)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7400 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">494<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7401 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">107<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2266 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2267 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">601<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2096 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2102 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps751 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">61<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2699 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">219<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">242<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2705 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2706 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2707 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2708 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2709 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2710 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2784 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe der Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6787 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">330<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2785 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2786 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">368<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2787 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Prudential Filter<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6792 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">33<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6793 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6794 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"11\" style=\"border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:330pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:64.5pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Regulatorische Sicht unter Anwendung des CRR-Konsolidierungskreises</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss529\"><div><div class=\"ps1091 ss528\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7407 ss531\"><div><div class=\"ps281 ss530\"><span class=\"f charStyle-c5fdbd46 ps7406\">Gesamtportfolio</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss529\"><div><div class=\"ps4211 ss528\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss528\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7409 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps7408\">Bruttobuchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7411 ss453\"><div><div class=\"ps281 ss103\"><span class=\"f charStyle-37455c2a ps7410\">Wertberichtigung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7412 ss533\"><div><div class=\"ps281 ss532\"><span class=\"f charStyle-37455c2a ps5393\">Nettobuchwert<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7413 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">56.636<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7415 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps7414\">-474<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7417 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-0b080fec ps7416\">56.172<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps858 ss536\"><div><div class=\"ps40 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7418 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-0b080fec ps3049\">227<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7419 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-0b080fec ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7421 ss537\"><div><div class=\"ps40 ss532\"><span class=\"f charStyle-0b080fec ps7420\">227<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps862 ss538\"><div><div class=\"ps40 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7422 ss539\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-0b080fec ps6346\">1.266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7424 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-0b080fec ps7423\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7426 ss540\"><div><div class=\"ps1717 ss532\"><span class=\"f charStyle-0b080fec ps7425\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6839 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7427 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7428 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7423\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7430 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7429\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7431 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7432 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7433 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7435 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7434\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7436 ss536\"><div><div class=\"ps40 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7437 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7438 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7439 ss537\"><div><div class=\"ps40 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7434\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3594 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7440 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7441 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7442 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7434\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1355 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7443 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">55.143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7444 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps7414\">-473<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7445 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-0b080fec ps7416\">54.670<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps746 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7446 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">52.234<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7448 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7447\">-85<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7450 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7449\">52.149<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3598 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7451 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.049<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7452 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7447\">-95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7453 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7429\">1.954<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3600 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7454 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">610<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7455 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7414\">-302<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7456 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7420\">307<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7457 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7458 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7460 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7459\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7461 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7420\">260<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps5437 ss541\"><div><div class=\"ps7462 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">Diese Tabelle enth\u00e4lt keine Eigenkapitalinstrumente (aufsichtsrechtliche Definition und nicht in CRR konsolidierte carrying amounts).</span></div><div class=\"ps7463 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">Der Nettobuchwert enth\u00e4lt in der Position Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte die Fair-Value-Bewertung.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7512 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:327.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss543\"><div><div class=\"ps1091 ss542\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7465 ss387\"><div><div class=\"ps281 ss386\"><span class=\"f charStyle-c5fdbd46 ps7464\">Gesamtportfolio</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss543\"><div><div class=\"ps4211 ss542\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss542\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7467 ss453\"><div><div class=\"ps281 ss103\"><span class=\"f charStyle-37455c2a ps7466\">Bruttobuchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7469 ss241\"><div><div class=\"ps281 ss234\"><span class=\"f charStyle-37455c2a ps7468\">Wertberichtigung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6331 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps3607\">Nettobuchwert<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7470 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6424\">51.601<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7472 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-0b080fec ps7471\">-349<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7473 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">51.260<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps858 ss545\"><div><div class=\"ps40 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7474 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-0b080fec ps6420\">279<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7476 ss546\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-0b080fec ps7475\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7477 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-0b080fec ps3049\">279<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps862 ss547\"><div><div class=\"ps40 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7478 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-0b080fec ps6426\">1.762<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7480 ss243\"><div><div class=\"ps1717 ss234\"><span class=\"f charStyle-0b080fec ps7479\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7481 ss539\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-0b080fec ps6346\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6839 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7482 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">1.762<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7483 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7479\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7484 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7431 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7485 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7486 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7475\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7487 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7436 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7488 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7489 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7475\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7490 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5277 ss545\"><div><div class=\"ps40 ss542\"><span class=\"f charStyle-37455c2a ps621\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7491 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7492 ss546\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7475\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7493 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1355 ss545\"><div><div class=\"ps40 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7494 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-0b080fec ps6424\">49.560<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7495 ss546\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-0b080fec ps7471\">-348<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7496 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-0b080fec ps3070\">49.212<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps647 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7497 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">47.046<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7499 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7498\">-49<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7500 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">46.997<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps654 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7501 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">1.903<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7502 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7498\">-59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7503 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.844<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps659 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7504 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6420\">558<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7505 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7471\">-231<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7506 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">327<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps665 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7507 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6418\">54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7508 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7479\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7509 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:24pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps672 ss548\"><div><div class=\"ps7510 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">Diese Tabelle enth\u00e4lt keine Eigenkapitalinstrumente (aufsichtsrechtliche Definition und nicht in CRR konsolidierte carrying amounts).</span></div><div class=\"ps7511 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">Der Nettobuchwert enth\u00e4lt in der Position Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte die Fair-Value-Bewertung.</span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">\u00dcberblick \u00fcber Struktur des Kreditportfolios-</span></div><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Ratings, Geografie, W\u00e4hrungen und </span></div><div class=\"ps2830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Sicherheiten</span></div><div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Ratingverteilung des Kreditportfolios</span></div><div class=\"ps2854 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Die Die folgende Tabelle zeigt die Verteilung der Ratings f\u00fcr</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2855 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">das Performing-Portfolio. Insgesamt verbesserte sich das</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Risikoprofil vor allem in den Bereichen Corporates, Real Estate</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">&amp; Public Sector, w\u00e4hrend der Vertrieb im Retail &amp; SME-Bereich</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">den Erwartungen nach der Integration der Barclays Consumer</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:197.24pt\">Bank Europe im ersten Quartal 2025 entsprach.</span><span class=\"f charStyle-34546584 ps7513\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:2.36pt\"> </span></div><div class=\"ps7514 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">Moody\u2019s </span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">Rating </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00c4quivalent</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps7398\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps7399\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Aaa\u2013Aa2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">29,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">90,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">28,8%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Aa3\u2013A1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">10,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">21,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">4,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">A2\u2013A3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">22,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">7,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">14,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Baa1\u2013Baa3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">41,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">29,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">3,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">29,6%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Ba1\u2013B1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">18,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">12,5%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">B2\u2013Caa2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,6%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Caa3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">3,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,1%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7515 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">Moody\u2019s </span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">Rating </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00c4quivalent</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps7398\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps7399\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Aaa\u2013Aa2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">24,6%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">87,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">32,8%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Aa3\u2013A1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">16,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">4,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">9,9%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">A2\u2013A3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">19,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">9,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,8%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Baa1\u2013Baa3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">49,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">37,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">4,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">33,0%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Ba1\u2013B1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">13,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">9,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">B2\u2013Caa2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Caa3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">4,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,1%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Geografische Verteilung des Kreditportfolios</span></div><div class=\"ps7517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die geografische Verteilung des Kreditportfolios steht im</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Einklang mit der Strategie der BAWAG, die sich auf stabile</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps7519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Volkswirtschaften und W\u00e4hrungen, mit einem Bilanzanteil von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps7516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">78% (2024: 79%) in \u00d6sterreich, Deutschland und den</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Niederlanden durch die Integration von Barclays Consumer</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:158.81pt\">Bank Europe in Q1 2025, konzentriert.</span></div><div class=\"ps7533 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">Geografische Verteilung des Kreditportfolios<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">25.765<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">29.592<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">36%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">43%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Niederlande<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">19.579<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">19.625<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">28%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">28%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">9.699<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.915<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">14%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">9%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Nordamerika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">9.179<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.245<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">13%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">10%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Irland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.139<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.320<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Frankreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.803<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.562<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">2%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4227 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.426<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.093<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2260 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">4%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7530 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">70.590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7531 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">69.353<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2771 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2772 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">W\u00e4hrungsverteilung des Kreditportfolios</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Konsistent mit der strategischen Ausrichtung der BAWAG blieb</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Gro\u00dfteil der Finanzierungen in EUR stabil. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">W\u00e4hrungsverteilung des gesamten Kreditportfolios setzt sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:86.22pt\">wie folgt zusammen:</span></div><div class=\"ps7220 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">60.164<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">60.374<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">85,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">87,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">9.041<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.239<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">12,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">10,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4022 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">656<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">697<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,9%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps315 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">285<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps316 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">538<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps319 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps321 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">444<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps322 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">506<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps323 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps324 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps326 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps627 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">70.590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps628 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">69.353<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps629 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps630 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sicherheiten im Gesamtkreditportfolio und Bewertung von </span></div><div class=\"ps4352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sicherheiten</span></div><div class=\"ps7537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die untenstehende \u00dcbersicht \u00fcber die Sicherheitenarten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">veranschaulicht den hohen Anteil an privaten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4354 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:262.04pt\">Immobiliensicherheiten, welcher sich auf 83% (2024: 84%) am</span><span class=\"f charStyle-e63b9797 ps171\" style=\"width:2.11pt\"> </span></div><div class=\"ps7539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:132.36pt\">gesamten Kreditportfolios bel\u00e4uft</span><span class=\"f charStyle-34546584 ps7538\" style=\"width:2.62pt\">.</span></div><div class=\"ps7541 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio</span><span class=\"f charStyle-32bf9c18 ps7540\">. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">30.473<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">29.906<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">69,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">69,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon private Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">25.390<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">24.980<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">83,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">83,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon gewerbliche Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.083<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.926<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">16,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">16,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Garantien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">8.929<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.682<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">20,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">22,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Kreditsicherheiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.499<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">4,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">3,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Sicherheiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps456 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.797<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps457 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.763<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">6,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">4,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps462 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">43.956<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps463 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">42.850<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Gesch\u00e4ftsstrategie der BAWAG fokussiert sich auf die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzierung von besicherten Krediten, wann immer dies</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">m\u00f6glich ist. Sicherheiten dienen als wesentliche Unterst\u00fctzung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">f\u00fcr die Kreditvergabe und wirken verlustmindernd bei Ausfall</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">des Schuldners, wobei beim Entscheidungsprozess neben der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Qualit\u00e4t und Verwertbarkeit der Sicherheiten die Leistbarkeit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:227.34pt\">f\u00fcr den Kreditnehmer jedenfalls im Vordergrund steht.</span></div><div class=\"ps7549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Alle angenommenen Sicherheiten sind im Konzern-</span></div><div class=\"ps7550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Sicherheitenkatalog festgehalten, wo auch die Grundlagen f\u00fcr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">die Bewertung und Neubewertung von Sicherheiten definiert</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sind. Hier wird neben allen grunds\u00e4tzlich akzeptierten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kombinationen von G\u00fctern (Eigenschaften des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Wirtschaftsguts) und Sicherheiten (Rechtstitel der Bank) auch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">definiert, welcher Wert (Marktwert, Nominalwert etc.)</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">heranzuziehen ist. Das Enterprise-Risk-Management-Komitee</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">entscheidet, welche Sicherheiten \u2013 unter Ber\u00fccksichtigung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">der\u00a0entsprechenden Haircuts \u2013 kreditrisikomindernd</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7561 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:125.6pt\">herangezogen werden d\u00fcrfen.</span></div><div class=\"ps7562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:173.59pt\">Folgende Sicherheiten werden akzeptiert:</span></div><div class=\"ps7563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:226.62pt\">Wohnimmobilien und gewerblich genutzte Immobilien</span></div><div class=\"ps7564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Sonstige Kreditsicherheiten: Fahrzeuge und sonstige</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">physische Sicherheiten (derzeit keine Verwendung zur</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Kreditrisikominimierung), Verpf\u00e4ndung oder Abtretung von</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:93.05pt\">Lebensversicherungen</span></div><div class=\"ps7568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Finanzgarantien: finanzielle Sicherheiten, Wertpapiere und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7569 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:140.41pt\">Bareinlagen beim eigenen Institut</span></div><div class=\"ps7570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Kreditverbesserungen: Garantien und Mitverpflichtungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">(NHG-Garantien f\u00fcr Immobilienhypotheken in den</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7572 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Niederlanden bieten eine zus\u00e4tzliche Garantie f\u00fcr</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7573 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:136.79pt\">Risikominderungsberechnungen)</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Um als Kreditrisikominderung zu dienen, m\u00fcssen Sicherheiten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">alle gesetzlichen und regulatorischen Anforderungen erf\u00fcllen,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">welche wiederum in gruppenweiten, internen Policies</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">definiert sind. Um l\u00e4nderspezifischen Besonderheiten bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kreditsicherheiten Rechnung zu tragen, gibt es zus\u00e4tzlich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">regionale Handb\u00fccher f\u00fcr die einzelnen T\u00f6chter bzw.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Niederlassungen. Zumindest j\u00e4hrlich erfolgt eine \u00dcberpr\u00fcfung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">dieser Policies. Allf\u00e4llige Ausnahmen zu den internen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Regelungen m\u00fcssen begr\u00fcndet, gesondert beantragt und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:112.86pt\">explizit genehmigt werden.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Wertermittlung f\u00fcr inl\u00e4ndische Wohnimmobilien erfolgt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">zentral durch Experten f\u00fcr die Bewertung von Immobilien</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">unter Anwendung standardisierter Methoden sowie unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zuhilfenahme eines Bewertungstools. Die Sch\u00e4tzung von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Immobilien in anderen L\u00e4ndern erfolgt ebenfalls durch</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">unabh\u00e4ngige Fachleute nach internationalen Standards. Die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">turnusm\u00e4\u00dfige \u00dcberpr\u00fcfung bzw. Aktualisierung der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wohnimmobilienwerte erfolgt automationsgest\u00fctzt auf Basis</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">des Immobilienpreisindex des Fachverbands der Immobilien-</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und Verm\u00f6genstreuh\u00e4nder der Wirtschaftskammer \u00d6sterreich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">f\u00fcr \u00f6sterreichische Objekte, mittels</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Marktschwankungsmethode bei in Deutschland gelegenen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Immobilien, sowie mit Hilfe der entsprechenden lokalen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Immobilienpreisindices in den L\u00e4ndern, in denen sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:226.19pt\">Immobiliensicherheiten der BAWAG-Gruppe befinden.</span><span class=\"f charStyle-34546584 ps7574\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gewerbeimmobilien werden von Sachverst\u00e4ndigen f\u00fcr die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bewertung von Gewerbeimmobilien oder von ausgew\u00e4hlten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">externen Gutachtern im Auftrag des Konzerns bzw. eines</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Konsortialpartners individuell nach erfolgter Vor-Ort-</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:211.89pt\">Besichtigung und voller Befundaufnahme bewertet</span><span class=\"f charStyle-34546584 ps7575\" style=\"width:2.62pt\">.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Forborne-Forderungen, Forbearance-Ma\u00dfnahmen und </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Unlikeliness to pay</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Forbearance-Ma\u00dfnahmen k\u00f6nnen zur Anwendung kommen,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">wenn Kunden aufgrund finanzieller Schwierigkeiten nicht in</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">der Lage sind, den vereinbarten Vertragsbedingungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">nachzukommen. Die BAWAG verf\u00fcgt hierbei \u00fcber klar</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">festgelegte und transparente Prozesse in der gesamten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gruppe, in deren Rahmen Vertragsanpassungen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">vorgenommen werden k\u00f6nnen. In Abh\u00e4ngigkeit vom</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kundensegment umfasst der Ma\u00dfnahmenkatalog die zeitlich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">befristete Stundung oder Reduzierung von Zinszahlungen oder</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kapitalraten, die Restrukturierung von Kapitalfazilit\u00e4ten oder</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">sonstige Forbearance-Ma\u00dfnahmen. In Ausnahmef\u00e4llen werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zeitlich begrenzte oder permanente Reduzierungen des</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:81.35pt\">Zinssatzes gew\u00e4hrt.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Stundungs- und Refinanzierungsma\u00dfnahmen dienen zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">effektiven Risikoreduzierung und Ausfallvermeidung bei</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">ausfallgef\u00e4hrdeten Krediten, sofern erwartet wird, dass damit</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ein Ausfall verhindert werden kann. Jedoch werden diese</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ma\u00dfnahmen keinesfalls daf\u00fcr benutzt, einen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">unausweichlichen Ausfall zu verschieben oder das Ausma\u00df des</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.23pt\">Kreditrisikos aus gestundeten Forderungen zu verschleiern.</span><span class=\"f charStyle-34546584 ps7576\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Durch zeitlich und im Umfang abgestimmte Zugest\u00e4ndnisse in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Form von Vertragsanpassungen unterst\u00fctzt die BAWAG</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kunden in Zahlungsschwierigkeiten. Sofern diese</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">unterst\u00fctzenden Ma\u00dfnahmen ohne Erfolg bleiben, werden</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Forderungen an Kunden in \u00dcbereinstimmung mit aufsichts-</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:248.12pt\">und bilanzrechtlichen Standards als ausgefallen klassifiziert.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">F\u00fcr Reportingzwecke sowie f\u00fcr die interne Risikosteuerung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">verf\u00fcgt die BAWAG \u00fcber Prozesse und Methoden in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Anwendung regulatorischer Standards zur Identifikation von</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Forderungen, f\u00fcr die Stundungs- bzw. sonstige Forbearance-</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ma\u00dfnahmen gew\u00e4hrt wurden. Diese werden als \u201eForborne\u201c</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:67.94pt\">gekennzeichnet.</span></div><div class=\"ps7594 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:54.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss551\"><div><div class=\"ps7577 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps7578 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss552\"><div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7579\">Gestundete <span class=\"f ps37\"> </span></span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss552\"><div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7582\">Davon <span class=\"f ps37\"> </span></span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps7583\">ausgefallen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss552\"><div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps7584\">% der <span class=\"f ps37\"> </span></span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss552\"><div><div class=\"ps7588 ss151\"><span class=\"f charStyle-37455c2a ps7587\">Besicherungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps7589\">quote der </span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss552\"><div><div class=\"ps7590 ss151\"><span class=\"f charStyle-37455c2a ps7587\">Besicherungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps7588 ss151\"><span class=\"f charStyle-37455c2a ps7589\">quote der </span></div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps4376\">ausgefallenen </span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">382<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">90<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7591\"></span><span class=\"ps7591\">1,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">63%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">69%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3333 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">438<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7591\"></span><span class=\"ps7591\">3,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">65%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3548 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">42%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">820<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">110<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7593\"></span><span class=\"ps7593\">1,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7592\"></span><span class=\"ps7592\">64%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3549 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7592\"></span><span class=\"ps7592\">64%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7595 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:54.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss551\"><div><div class=\"ps7577 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps7578 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss552\"><div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7579\">Gestundete <span class=\"f ps37\"> </span></span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss552\"><div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7582\">Davon <span class=\"f ps37\"> </span></span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps7583\">ausgefallen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss552\"><div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps7584\">% der <span class=\"f ps37\"> </span></span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss552\"><div><div class=\"ps7588 ss151\"><span class=\"f charStyle-37455c2a ps7587\">Besicherungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps7589\">quote der </span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss552\"><div><div class=\"ps7590 ss151\"><span class=\"f charStyle-37455c2a ps7587\">Besicherungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps7588 ss151\"><span class=\"f charStyle-37455c2a ps7589\">quote der </span></div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps4376\">ausgefallenen </span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">74<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7591\"></span><span class=\"ps7591\">1,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">61%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">66%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3333 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">395<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7591\"></span><span class=\"ps7591\">3,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">72%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3548 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">68%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">763<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">169<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7593\"></span><span class=\"ps7593\">1,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7592\"></span><span class=\"ps7592\">67%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3549 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7592\"></span><span class=\"ps7592\">67%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Retail &amp; SME</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die BAWAG wendet die folgenden Grunds\u00e4tze f\u00fcr die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bonit\u00e4tspr\u00fcfung von Privatkunden an. Diese Grunds\u00e4tze</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">spiegeln sich in den Kreditvergaberichtlinien unter</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:233.84pt\">Ber\u00fccksichtigung des genehmigten Risikoappetits wider.</span><span class=\"f charStyle-34546584 ps7596\" style=\"width:2.36pt\"> </span></div><div class=\"ps1419 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Finanzierbarkeit: F\u00e4higkeit eines Kreditnehmers, einen</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7597 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Kredit zur\u00fcckzuzahlen, indem das Einkommen mit den</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1420 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">laufenden Ausgaben und Kreditverpflichtungen verglichen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1421 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">wird. Dar\u00fcber hinaus wenden wir Backstop-Regeln an, die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7598 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">auf dem Verh\u00e4ltnis von Schuldendienst zu Einkommen</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1422 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">(Debt service to income, DSTI) basieren, um die</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1423 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:197.9pt\">Verschuldung des Kreditnehmers zu begrenzen.</span></div><div class=\"ps7599 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Kreditbonit\u00e4t: Bisheriges R\u00fcckzahlungsverhalten des</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps7600 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Kunden basierend auf intern und extern gesammelten</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7601 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Informationen. Wir verwenden statistische Scorecards, um</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps7602 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Kunden zum Zeitpunkt der Kreditvergabe sowie fortlaufend</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7603 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">zu bewerten. Scorecards bilden die Basis der Risiko-Ertrags-</span></div><div class=\"ps7604 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:240.36pt\">Bewertung innerhalb der genehmigten Risikobereitschaft.</span></div><div class=\"ps7605 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Verwendungszweck: Kreditkonditionen gehen aus dem</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7606 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Zweck des Kredites f\u00fcr den Kreditnehmer hervor und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7607 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">m\u00fcssen mit dem Produktzweck, den Bedingungen und den</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps7608 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">Konditionen abgestimmt sein. Zu diesem Zweck haben wir</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">ein klar definiertes Produktangebot mit definiertem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:246.15pt\">maximalem Kreditbetrag, Laufzeit und Verwendungszweck.</span><span class=\"f charStyle-34546584 ps7609\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Sicherheiten: Verwertbarkeit von Sicherheiten des</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Schuldners im Falle eines Ausfalls. Klar definierte Kriterien</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">f\u00fcr die Anrechnung von Sicherheiten, die von internen und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:154.25pt\">externen Experten bewertet werden.</span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Mindestbeteiligung: klar definierte Mindestbeteiligung des</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Kreditnehmers in Bezug auf bereitgestelltes Eigenkapital</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:178.54pt\">und/oder Loan-to-Value (LTV)-Grenzwerte.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Unsere Strategie besteht darin, unser Retail &amp; SME-</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Neugesch\u00e4ft weiter auf assetbasierte besicherte Produkte (vor</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">allem Wohnimmobilien und Leasing) zu verlagern, was durch</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">den Erwerb von KNAB im November 2024 weiter untermauert</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">wird und den Anteil an assetbasierten besicherten Produkten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Ende 2024 auf 85% trieb. Durch den Erwerb der Barclays</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Consumer Bank ist der Anteil 2025 auf 74% des Portfolios</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">gesunken. Die restlichen 26% (2024: 15%) unseres Portfolios</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">bestehen aus unbesicherten Retail &amp; SME-Krediten. Das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Segment beinhaltet Verm\u00f6genswerte in \u00d6sterreich,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Deutschland, den Niederlanden sowie Westeuropa und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:57.01pt\">Nordamerika.</span></div><div class=\"ps7642 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps278 ss16\"><div><div class=\"ps38 ss15\"><span class=\"f charStyle-02ed52cc ps36\">Produktverteilung des Retail &amp; SME-Kreditportfolios<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps1334 ss262\"><div><div class=\"ps281 ss261\"><span class=\"f charStyle-c5fdbd46 ps7610\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7611 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps5133 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7612\">NPL-Quote</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7613\">NPL-Deckungsquote</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2574 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7614 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7615 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7616 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7617 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7618 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3619 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2480 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-37455c2a ps36\">Konsumfinanzierungen &amp; KMU<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7619 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">12.200<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7620 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.349<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7621 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">2,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7622\"></span><span class=\"ps7622\">2,8%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7623 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">64,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7625 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7624\"></span><span class=\"ps7624\">63,5%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1344 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-37455c2a ps36\">Hypothekarfinanzierungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7626 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">26.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7627 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">26.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7628 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7629 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7622\"></span><span class=\"ps7622\">0,4%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7630 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">94,9%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7631 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7624\"></span><span class=\"ps7624\">95,1%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps3062 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7632 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps7633 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7635 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7634\"></span><span class=\"ps7634\">1,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7637 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7636\"></span><span class=\"ps7636\">1,2%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7639 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7638\"></span><span class=\"ps7638\">68,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7641 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7640\"></span><span class=\"ps7640\">70,7%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3112 ss555\"><div><div class=\"ps4208 ss261\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7644 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Das Hypothekarportfolio zeichnet sich durch robuste LTVs,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7645 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">eine niedrige NPL-Quote, eine hohe Deckungsquote sowie eine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7646 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">gute regionale Diversifizierung aus. Die durchschnittliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7647 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">gewichtete Laufzeit betr\u00e4gt weniger als 23 Jahre (2024:</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7649 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:90.11pt\">weniger als 23\u00a0Jahre).</span><span class=\"f charStyle-34546584 ps7648\" style=\"width:2.36pt\"> </span></div><div class=\"ps7650 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Das Konsumfinanzierungs- und KMU-Gesch\u00e4ft besteht aus</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7651 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">nicht besicherten Privatkrediten, Kreditlinien und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7652 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kreditkarten, generiert durch die nationalen und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7653 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">internationalen Vertriebskan\u00e4le der Gruppe. Es umfasst auch</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7654 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">das Leasing- und Factoringgesch\u00e4ft mit einem Mix von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7655 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Leasingverm\u00f6genswerten (KFZ-Leasing, Immobilien- und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7656 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:198.05pt\">Immobilienleasing) und Factoring-Forderungen.</span></div><div class=\"ps7659 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die NPL-Quoten und NPL-Deckungsquoten im Segment Retail</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7660 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">&amp; SME spiegeln das stabile und risikoarme Portfolio wider. Es</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7661 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">wurde die Strategie weiterverfolgt, notleidende</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7662 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kreditportfolien konsequent zu bearbeiten, um niedrige NPL-</span></div><div class=\"ps7663 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Exposure sicherzustellen und sich auf das Kerngesch\u00e4ft zu</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7664 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">konzentrieren. Zus\u00e4tzlich wurden die Fr\u00fcherkennungs-,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7665 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Collection- und Betreibungsprozesse im Hinblick auf eine</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7666 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">erfolgreiche R\u00fcckf\u00fchrung der Kredite aus</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7667 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">abwicklungstechnischer und Risikosicht weiter verbessert. Die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7668 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">NPL-Quote des Retail &amp; SME-Portfolios betr\u00e4gt 1,2% (2024:</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7669 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">1,2%). Die NPL-Deckungsquote von 69% (2024: 71%)</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7671 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:192.29pt\">untermauert das Risikoprofil dieses Portfolios.</span><span class=\"f charStyle-34546584 ps7670\" style=\"width:2.36pt\"> </span></div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">Geografische Verteilung des Retail &amp; SME-Kreditportfolios<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Niederlande<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">16.667<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.661<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">43%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">49%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">11.924<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">12.158<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">31%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">36%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">6.204<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.338<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">16%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">7%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Nordamerika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.424<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.478<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">9%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">7%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">594<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">470<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">2%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">1%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7674 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">W\u00e4hrungsverteilung des Retail &amp; SME-Kreditportfolios<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps281 ss26\"><span class=\"f charStyle-c5fdbd46 ps7672\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">34.811<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">30.944<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">89,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">90,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.198<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.283<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">8,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">6,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">571<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">599<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">CAD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">194<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">87<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7673\"></span><span class=\"ps7673\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Verzugstage des Retail &amp; SME-Kreditportfolios </span></div><div class=\"ps7678 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.74pt\">Eine \u00dcberwachung des Portfolios in Bezug auf Verzugstage</span><span class=\"f charStyle-34546584 ps7677\" style=\"width:2.36pt\"> </span></div><div class=\"ps7680 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.77pt\">erfolgt laufend. Die Ziele sind, eine negative</span><span class=\"f charStyle-34546584 ps7679\" style=\"width:2.36pt\"> </span></div><div class=\"ps7682 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.76pt\">Kreditentwicklung im Portfolio fr\u00fchm\u00f6glichst zu erkennen und</span><span class=\"f charStyle-34546584 ps7681\" style=\"width:2.36pt\"> </span></div><div class=\"ps7683 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.77pt\">proaktive Kundenkontaktaufnahme, um vollst\u00e4ndige</span><span class=\"f charStyle-34546584 ps7679\" style=\"width:2.36pt\"> </span></div><div class=\"ps7684 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.74pt\">Kreditr\u00fcckzahlung zu sichern. Im Segment Retail &amp; SME</span><span class=\"f charStyle-34546584 ps7677\" style=\"width:2.36pt\"> </span></div><div class=\"ps7686 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.75pt\">weisen 98% (2024: 98%) der Forderungen keine Verzugstage</span><span class=\"f charStyle-34546584 ps7685\" style=\"width:2.36pt\"> </span></div><div class=\"ps7687 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.77pt\">auf. Insgesamt belegen das geringe Verzugstagevolumen, die</span><span class=\"f charStyle-34546584 ps7679\" style=\"width:2.36pt\"> </span></div><div class=\"ps7688 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.79pt\">stabilen Vintages und die produktspezifischen Scorecard-</span></div><div class=\"ps7689 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:205pt\">Ergebnisse die hohe Kreditqualit\u00e4t des Portfolios.</span></div><div class=\"ps7715 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"padding:0\"><div class=\"ps278 ss556\"><div><div class=\"ps1717 ss261\"><span class=\"f charStyle-c5fdbd46 ps7610\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps2044 ss557\"><div><div class=\"ps40 ss263\"><span class=\"f charStyle-c5fdbd46 ps7692\">Konsumfinanzierungen &amp; </span></div><div class=\"ps1717 ss263\"><span class=\"f charStyle-c5fdbd46 ps7693\">KMU</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss557\"><div><div class=\"ps1717 ss263\"><span class=\"f charStyle-c5fdbd46 ps1807\">Hypothekarfinanzierungen</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss557\"><div><div class=\"ps1717 ss263\"><span class=\"f charStyle-c5fdbd46 ps4010\">Summe</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2548 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7694 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7695 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7696 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7697 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6149 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6150 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3720 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">Summe der Buchwerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7698 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">12.200<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5137 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.349<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps5138 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">26.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5139 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">26.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps5140 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5141 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3328 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">Keine Verzugstage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7699 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">93,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7700 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">93,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7701 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">99,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7702 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">99,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7703 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">97,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7704 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">97,9%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3726 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">1\u201330 Tage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7705 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7706 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7707 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7708 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7709 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7710 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">31\u201360 Tage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7711 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7712 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps456 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps460 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1831 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">61\u201390 Tage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7713 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7714 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5712 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5713 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5714 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5715 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"i09a461f17cf74621addefd77da42aae9_163\" style=\"position:absolute;top:104.88pt\"></div><div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Corporates, Real Estate &amp; Public Sector</span></div><div class=\"ps1179 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:87.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss511\"><div><div class=\"ps1091 ss510\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7718 ss559\"><div><div class=\"ps281 ss558\"><span class=\"f charStyle-c5fdbd46 ps7717\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps3309 ss559\"><div><div class=\"ps281 ss558\"><span class=\"f charStyle-c5fdbd46 ps7719\">NPL-Quote</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7721 ss559\"><div><div class=\"ps281 ss558\"><span class=\"f charStyle-c5fdbd46 ps7720\">NPL-Deckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7722 ss559\"><div><div class=\"ps281 ss558\"><span class=\"f charStyle-c5fdbd46 ps3397\">Investment Grade</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss511\"><div><div class=\"ps277 ss510\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7724 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-36b68314 ps7723\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7726 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7725\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6324 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-36b68314 ps7723\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7727 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7725\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7728 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-36b68314 ps7723\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7729 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-37455c2a ps5397\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7730 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-36b68314 ps7723\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7731 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-37455c2a ps5397\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss560\"><div><div class=\"ps40 ss510\"><span class=\"f charStyle-37455c2a ps36\">Firmenkundengesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7733 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34 ps7732\">2.742<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7734 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7732\">2.832<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7736 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7735\"></span><span class=\"ps7735\">1,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7738 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7737\"></span><span class=\"ps7737\">0,5%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7740 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">52,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7742 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">98,3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7743 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">94,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7744 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">94,8%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss560\"><div><div class=\"ps40 ss510\"><span class=\"f charStyle-37455c2a ps36\">Immobiliengesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7745 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34 ps7732\">5.686<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7746 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7732\">5.461<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7748 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7747\"></span><span class=\"ps7747\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7749 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7737\"></span><span class=\"ps7737\">1,5%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7750 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">98,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7751 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">66,1%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7752 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">73,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7753 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">71,9%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss560\"><div><div class=\"ps40 ss510\"><span class=\"f charStyle-37455c2a ps36\">\u00d6ffentlicher Sektor<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7754 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34 ps7732\">5.737<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7755 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7732\">5.047<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7756 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7747\"></span><span class=\"ps7747\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7758 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7757\"></span><span class=\"ps7757\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7759 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7747\"></span><span class=\"ps7747\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7760 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7757\"></span><span class=\"ps7757\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7761 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">97,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7762 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">99,0%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss560\"><div><div class=\"ps40 ss510\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7763 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-36b68314 ps3397\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7764 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-0b080fec ps3397\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3339 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-36b68314\"><span class=\"ps7765\"></span><span class=\"ps7765\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7767 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7766\"></span><span class=\"ps7766\">0,7%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7769 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-36b68314\"><span class=\"ps7768\"></span><span class=\"ps7768\">54,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7771 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7770\"></span><span class=\"ps7770\">71,3%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7772 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-36b68314\"><span class=\"ps7768\"></span><span class=\"ps7768\">87,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7773 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7770\"></span><span class=\"ps7770\">87,0%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"3\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps7267 ss563\"><div><div class=\"ps4208 ss562\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7774 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Portfolios Corporates, Real Estate &amp; Public Sector</span><span class=\"f charStyle-34546584 ps146\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps7775 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">umfassen \u00f6sterreichisches, deutsches sowie internationales</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7776 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gesch\u00e4ft (vorwiegend in den USA, dem Vereinigten K\u00f6nigreich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7777 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und Westeuropa). Dieses Gesch\u00e4ft zeichnet sich durch</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7778 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">proaktives Risikomanagement und diszipliniertes Wachstum in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7779 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">entwickelten und stabilen Wirtschaftsr\u00e4umen (vor allem USA,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7780 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Gro\u00dfbritannien und Westeuropa) unter Beibehaltung eines</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7781 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">disziplinierten Ansatzes hinsichtlich risikoadjustierten Pricings</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7782 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aus. Die Grundlage des Portfoliomanagements bildet seit</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7783 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Jahren eine konservative Kreditvergabe mit Fokus auf</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7784 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Cashflow generierende Unternehmen, hohe Gewinnspanne,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7785 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Preissetzungsmacht mit hoher Sicherheitenqualit\u00e4t, solide</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7786 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kapitalstrukturen und starke Kreditgeberschutzmerkmale. Die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7787 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Anforderungen an die Kreditvergabe bleiben \u00fcber den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7788 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Konjunkturzyklus hinweg stabil und k\u00f6nnen unsere F\u00e4higkeit,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7789 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">neues Gesch\u00e4ft zu generieren, beeintr\u00e4chtigen. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7790 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Beibehaltung unseres niedrigen Risikoprofils ist von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7791 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">allergr\u00f6\u00dfter Bedeutung, wobei wir stets angemessene</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7792 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">risikoadjustierte Renditen erzielen und niemals durch ein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7793 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">erh\u00f6htes Kreditrisiko oder einen geringeren strukturellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7794 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:91.51pt\">Schutz kompensieren.</span></div><div class=\"ps7795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Management des Kredit- und Zinsrisikos des Kreditportfolios </span></div><div class=\"ps7796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Corporates, Real Estate &amp; Public Sector</span></div><div class=\"ps7797 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die BAWAG nimmt ein enges Monitoring der zinsinduzierten</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4579 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Risiken in ihren Kreditportfolien vor. In der Regel werden</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps4580 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verschuldungsgrad, zuk\u00fcnftige Zinsaufwendungen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4581 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zinsstruktur (fix/variabel), Absicherungsvereinbarungen,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4582 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Refinanzierungszeitpunkte und -risiken) bei der Kreditvergabe,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4583 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bei der j\u00e4hrlichen \u00dcberpr\u00fcfung und, noch h\u00e4ufiger, auf Ad-</span></div><div class=\"ps4585 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">hoc-Basis eingehend analysiert. Zur Bewertung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7774 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kreditw\u00fcrdigkeit und f\u00fcr eine Risikobewertung werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7775 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">strenge Annahmen zugrunde gelegt. F\u00fcr internationale</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7776 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewerbeimmobilien sehen die Vertr\u00e4ge in der Regel eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7777 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Hedgingpflicht f\u00fcr variabel verzinsliche Darlehen vor, sobald</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7778 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">ein bestimmter Schwellenwert (z.B. Euribor-Zinssatz) erreicht</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7779 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">ist. Zus\u00e4tzlich kommen Zinsreserven und Garantien von</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps7780 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Sponsoren als Abfederung des Zinsrisikos zur Anwendung.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7781 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Derzeit sind ca.\u00a070% (2024: ca. 70%) des Portfolios Corporate,</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps7782 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:235.7pt\">Real Estate &amp; Public Sector an variable Zinsen gebunden.</span></div><div class=\"ps7784 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Wesentliche Kreditentscheidungen werden vom Credit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7785 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Approval Committee (CAC), einem speziellen Gremium auf</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7786 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Vorstandsebene, getroffen. Jede Kreditentscheidung wird</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7787 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">gem\u00e4\u00df den Richtlinien der BAWAG streng gepr\u00fcft, diskutiert</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7788 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">und koordiniert. Die BAWAG-Risikomanager verf\u00fcgen \u00fcber</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7789 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">umfangreiche fachliche Kenntnisse in allen relevanten Asset-</span></div><div class=\"ps7790 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Klassen, sowohl im \u00f6sterreichischen und deutschen Gesch\u00e4ft</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7791 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">als auch im Internationalen. Bis zu bestimmten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7792 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Pouvoirgrenzen werden Kreditentscheidungen auch von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7793 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Risikomanagern getroffen. Ein effektiver \u00dcberwachungs- und</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7794 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:213.99pt\">Reviewprozess w\u00e4hrend der Laufzeit ist vorhanden.</span></div><div class=\"ps7795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Risikokonzentrationen nach Branchen im Kreditportfolio </span></div><div class=\"ps7796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Corporates, Real Estate &amp; Public Sector</span></div><div class=\"ps7797 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ein Hauptfokus des Risikomanagements im Corporates &amp;</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps4579 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Public Sector-Bereich liegt auf dem Konzentrationsrisiko.</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4580 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Dieses entsteht durch signifikante Exposures in individuellen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4581 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kundensegmenten oder betr\u00e4chtlichen Industrie-, L\u00e4nder-</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps4582 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:112.2pt\">Fremdw\u00e4hrungsexposures.</span></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Risikokonzentrationen nach Branchen im Kreditportfolio Corporates, Real Estate &amp; Public Sector <span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps281 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">Corporates, Real Estate &amp; Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Immobiliengesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.810<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.594<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">41%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">42%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">\u00d6ffentlicher Sektor<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.737<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.047<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">41%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">38%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Lender Financing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">773<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">581<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">467<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">416<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">B-2-C-Produkte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Lebensmittel &amp; Getr\u00e4nke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">234<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Engineering und B-2-B<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4227 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">150<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">122<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2260 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Gesundheitswesen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7530 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7531 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">150<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2771 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2772 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5344 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pharmazeutika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7800 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">133<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7801 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7802 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7803 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Versorgungsunternehmen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7804 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">115<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7805 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">193<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2817 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2818 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7806 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7807 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">404<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7808 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7809 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7810 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1668 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7811 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1669 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1670 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1671 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2272 ss564\"><div><div class=\"ps4208 ss26\"><span class=\"f charStyle-5ee25b5a ps36\">Verwendung einer internen Branchensegmentierung.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps3146 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Geografische Verteilung des Kreditportfolios Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Nordamerika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.034<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.274<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">36%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">32%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.592<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.894<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">25%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">29%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.938<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.696<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">14%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">13%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Frankreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.185<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">716<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">8%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">5%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.417<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.758<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">17%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">21%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7813 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Verteilung des Kreditportfolios und der Wertpapiere nach W\u00e4hrung<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">8.695<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">8.462<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">61,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">63,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">4.907<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">34,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">31,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">267<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">333<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,9%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">2,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">SEK<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">118<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">113<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">87<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">193<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4227 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2260 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7816 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:49.74pt\">Corporates:</span><span class=\"f charStyle-34546584 ps7815\" style=\"width:212.29pt\"> Das Corporate-Portfolio besteht haupts\u00e4chlich aus</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7817 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">direkten Krediten an Unternehmen. Das Segment zeichnet sich</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7819 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:244.7pt\">durch ein moderates (Net) Debt/EBITDA-Verh\u00e4ltnis von &lt;</span><span class=\"f charStyle-5a2826df ps7818\" style=\"width:17.34pt\"><span style=\"background-color:inherit\">4,0x</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7821 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:3.13pt\"><span style=\"background-color:inherit\">(</span></span><span class=\"f charStyle-34546584 ps7820\" style=\"width:258.92pt\">2024: &lt;4,0x), starke Cashflow-Profile und 95% (2024: 95%) in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7822 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">internen Ratingklassen, die der Investment-Grade-Klasse</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7823 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">entsprechen, aus. Wir konzentrieren uns auf nicht-zyklische</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7825 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:71.77pt\">Branchen mit </span><span class=\"f charStyle-e63b9797 ps7824\" style=\"width:190.25pt\">nachhaltigen Margen und stressresistenten</span><span class=\"f charStyle-e63b9797 ps148\" style=\"width:2.11pt\"> </span></div><div class=\"ps7816 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:77.83pt\">Gesch\u00e4ftsmodellen.</span><span class=\"f charStyle-34546584 ps7826\" style=\"width:184.22pt\"> Dar\u00fcber hinaus ist das Portfolio</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7817 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">\u00fcberwiegend im Senior-secured-Rang, was die vorrangige</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7819 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">First-out-Position in der Kapitalstruktur widerspiegelt. Die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7821 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">relativ niedrige NPL-Quote von 1,1% (2024: 0,5%) spiegelt die</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7822 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">selektive Kreditvergabe und das widerstandsf\u00e4hige Portfolio</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7823 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:26.25pt\">wider.</span></div></div><div><div class=\"ps797 ss0\"><div class=\"ss518 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">Risikokonzentrationen nach Branchen im Corporates-Gesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7828 ss566\"><div><div class=\"ps281 ss565\"><span class=\"f charStyle-c5fdbd46 ps2469\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps6384 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7829 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7830 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7831 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7832 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Lender Financing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7833 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">773<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7834 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">581<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7835 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">28%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7836 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">21%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7837 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">467<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7838 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">416<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7839 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">17%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7840 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">15%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">B-2-C-Produkte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7841 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7842 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7843 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7844 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">9%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Lebensmittel &amp; Getr\u00e4nke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7845 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7846 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">234<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7847 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7848 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Engineering und B-2-B<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7849 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">150<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7850 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">122<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7851 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7852 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Gesundheitswesen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7853 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7854 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">150<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7855 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7856 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pharmazeutika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7857 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">133<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7858 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7859 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7860 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Versorgungsunternehmen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7861 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">115<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7862 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">193<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7863 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7864 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5344 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Holz &amp; Papier<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7865 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7866 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7867 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7868 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7869 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7870 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">655<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7871 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">16%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7872 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">23%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7806 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7873 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps772\">2.742<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7874 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.832<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7875 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7876 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1668 ss564\"><div><div class=\"ps4208 ss26\"><span class=\"f charStyle-5ee25b5a ps36\">Verwendung einer internen Branchensegmentierung.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7878 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:53.23pt\">Real Estate: </span><span class=\"f charStyle-34546584 ps7877\" style=\"width:208.81pt\">Immobilientransaktionen umfassen Engagements,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7879 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">mit denen entweder direkt Einzelimmobilien,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7880 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Immobilienportfolios oder Kreditportfolios besichert durch</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7881 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Immobilien bzw. mehrere Immobilienarten finanziert werden.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7882 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das Kreditportfolio besteht aus vorrangig besicherten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7883 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Strukturen mit einem LTV/C von durchschnittlich &lt;50% (2024:</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7884 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">&lt;60 %). Das querbesicherte Ring-fenced-Portfolio verf\u00fcgt \u00fcber</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7885 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Merkmale wie signifikantes Eigenkapital, Cashflow-Sweeps,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps799 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Anforderungen an die Zinsdeckung, Zins-</span></div><div class=\"ps805 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Hedgingverpflichtungen, Garantien von Sponsoren und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps806 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Covenant-Tests, welche zu einer St\u00e4rkung der Positionen des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps807 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kreditgebers beitragen. Die Immobilienarten unseres Real-</span></div><div class=\"ps808 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Estate-Portfolios sind gut diversifiziert. Der Anteil der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps809 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Wohnimmobilien am Gesamtbestand betr\u00e4gt 61% (2024: 51</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps814 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">%) im Jahr 2025. Das Neugesch\u00e4ft im Jahr 2025 konzentrierte</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7886 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">sich haupts\u00e4chlich auf Wohnimmobilien, bei denen die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps816 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Angebotsknappheit in unseren M\u00e4rkten weiterhin f\u00fcr gesunde</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps823 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Eckdaten gesorgt hat. Angesichts der starken Auswirkungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps824 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">des aktuellen Umfelds auf die Immobilienm\u00e4rkte haben wir die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps825 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">relevanten M\u00e4rkte- und Verm\u00f6genswertearten in Bezug auf</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps826 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:262.03pt\">L\u00e4nder und zugrunde liegende Verm\u00f6genswerte analysiert, um</span><span class=\"f charStyle-e63b9797 ps160\" style=\"width:2.11pt\"> </span></div><div class=\"ps827 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:262.03pt\">unsere Risikobewertung und den selektiven Ansatz zu best\u00e4tigen.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps828 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:228.08pt\">Die Risikobewertung basiert auf den folgenden Fakten:</span><span class=\"f charStyle-34546584 ps7887\" style=\"width:2.36pt\"> </span></div><div class=\"ps7888 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Robuste Gesamtqualit\u00e4t der Verm\u00f6genswerte in</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7889 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">hochwertigen Lagen/Geografien \u00fcber alle Arten von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7890 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Verm\u00f6genswerten, insbesondere Industrie-, Logistik- und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7891 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:71.92pt\">Wohnimmobilien</span></div><div class=\"ps7892 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Starke Sponsoren mit signifikantem Eigenkapitalanteil und</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps7893 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:231.44pt\">langj\u00e4hriger Gesch\u00e4ftsbeziehung mit der BAWAG Group</span></div><div class=\"ps7894 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Geringeres Nettoengagement im Vergleich zu anderen</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps7895 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Branchen mit hohen Verm\u00f6genswerten und starkem LTV</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7896 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:122.85pt\">f\u00fcr internationale Immobilien</span></div><div class=\"ps7897 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Die Anlageklassen Wohnen und Logistik haben sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7898 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">aufgrund der starken Angebots- und Nachfragedynamik gut</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7899 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">entwickelt, w\u00e4hrend die B\u00fcro- und Retail-Immobilien</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7900 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">unter\u00a0der unklaren Nachfrage und den h\u00f6heren</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7901 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Finanzierungskosten leiden, wobei in den USA erste</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7902 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:193.55pt\">Zeichen der Stabilisierung zu verzeichnen sind.</span></div><div class=\"ps7903 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Hohe Zinss\u00e4tze und Inflation \u00fcben nach wie vor einen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7904 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">gewissen Druck auf die Bewertungen aus, der jedoch durch</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps7905 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:108.62pt\">hohe LTVs gemildert wird.</span></div><div class=\"ps805 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Das gesamte CRE-Portfolio hat sich 2025 um 4% von 5,5 Mrd. \u20ac</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps806 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">auf 5,7 Mrd. \u20ac erh\u00f6ht. Das Neugesch\u00e4ft verlagerte sich seit</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps807 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">2020 vor allem auf Industrie-, Logistik- und Wohnimmobilien.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps808 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Diese Anlageklassen weisen positive Eckdaten auf und machen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps809 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">77% des gesamten Gewerbeimmobilienportfolios im Jahr 2025</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps814 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">(2024: 72%) aus, gegen\u00fcber 48% 2020. Umgekehrt wurde das</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps7886 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Exposure der Kredite im Einzelhandel von 12% im Jahr 2020</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps816 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">auf 3% im Jahr 2025 (2024: 4%) und bei B\u00fcroimmobilien von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps823 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">29% im Jahr 2020 auf 10% im Jahr 2025 (2024: 15%) erheblich</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps824 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">reduziert. Angesichts der Trends zum Onlineshopping und zur</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps825 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.03pt\">Heimarbeit verschlechterten sich die Fundamentaldaten in diesen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps826 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Anlageklassen, und Neugesch\u00e4fte sind sehr selektiv. Diese</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps827 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.04pt\">Ver\u00e4nderung des Risikoappetits wurde bereits vor einigen Jahren</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps828 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">vorgenommen, was uns heute mit einem eingeschr\u00e4nkten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps829 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Exposure in diesen Anlageklassen zu Gute kommt und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps830 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erm\u00f6glicht es uns, Kapital einzusetzen, wenn das Risiko-</span></div><div class=\"ps7906 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:133.56pt\">Rendite-Verh\u00e4ltnis g\u00fcnstiger ist.</span></div><div class=\"ps7907 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Unser Immobilienexposure in den Vereinigten Staaten, das</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7908 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">72% (4,1 Mrd. \u20ac) (2024: 61%, \u20ac 3,3 Mrd.) des gesamten</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7909 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewerbeimmobilienportfolios ausmacht, ist in den Bereichen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wohnen, Industrie und Logistik gewachsen, in denen das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zugrunde liegende Angebot und die Nachfrage weiterhin stark</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7912 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">sind und sich die Cashflows weiterhin wie erwartet entwickeln.</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7913 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Diese Assetklassen machen 87% (2024: 85%) unserer</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">gewerblichen Immobilienfinanzierungen in den USA aus. Auf</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7915 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">B\u00fcroimmobilien in den Vereinigten Staaten entfallen nur 5%</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7916 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(2024: 10%) des gewerblichen Immobilienverm\u00f6gens in H\u00f6he</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7917 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">von 0,2 Mrd. \u20ac (2024: \u20ac 0,3 Mrd.), wobei die Performing-</span></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verm\u00f6genswerte (0,2\u00a0Mrd. \u20ac) (2024: \u20ac 0,2 Mrd.) erhebliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Sicherheitspolster (LTV von 66%) (2024: 69 %) und zugrunde</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">liegende Cashflows aufweisen. Stresstests auf Portfolio- und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:231.67pt\">Einzelgesch\u00e4ftsebene werden regelm\u00e4\u00dfig durchgef\u00fchrt.</span></div><div class=\"ps2901 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss571 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:300pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss568\"><div><div class=\"ps276 ss567\"><span class=\"f charStyle-9f85f029 ps36\">Real Estate zugrunde liegende Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss569\"><div><div class=\"ps279 ss567\" style=\"text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps36\" style=\"width:2.36pt\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7919 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps4010\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps3156 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss569\"><div><div class=\"ps277 ss567\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7920 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2241 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7921 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7922 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Wohnimmobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7923 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.492<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7924 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.769<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7925 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">61%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7926 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">51%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Industrie/Logistik<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7927 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">905<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7928 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.131<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7929 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">16%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7930 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">21%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">B\u00fcro<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7931 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">585<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7932 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">833<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7933 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">10%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7934 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">15%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Gastgewerbe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7935 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">473<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7936 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">449<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7937 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7938 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Einzelhandel<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7939 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7940 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">199<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7941 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7942 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7943 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7944 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">80<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7945 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7946 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-c5fdbd46 ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7947 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps772\">5.686<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2259 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps772\">5.461<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7948 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7949 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6155 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:66.49pt\">Public Sector:</span><span class=\"f charStyle-34546584 ps7950\" style=\"width:195.56pt\"> Das Public-Sector-Portfolio besteht im</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6156 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wesentlichen aus direkten Krediten und Limiten an \u00f6ffentliche</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6158 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Gebietsk\u00f6rperschaften wie Staaten, L\u00e4nder oder Kommunen/</span></div><div class=\"ps4320 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Unternehmen oder an Einrichtungen, die (teilweise) im Besitz</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">solcher \u00f6ffentlichen Stellen sind. In der Regel liegt eine</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">explizite oder implizite Garantie der \u00f6ffentlichen Hand vor. Der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Schwerpunkt des Portfolios liegt in \u00d6sterreich, mit einem</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">kleineren Engagement in Frankreich und Deutschland.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4326 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:258.35pt\">Insgesamt ist dieses Portfolio durch risikoarme staatliche oder</span><span class=\"f charStyle-34546584 ps7951\" style=\"width:2.36pt\"> </span></div><div class=\"ps6155 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">durch Garantien von L\u00e4ndern und Gemeinden garantierte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps6156 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Engagements gekennzeichnet. Es gibt keine signifikante</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6158 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ausfallhistorie f\u00fcr \u00f6ffentliche Einrichtungen in unserem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps4320 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Portfolio, und wir gehen stark von staatlicher Unterst\u00fctzung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps4321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">f\u00fcr \u00f6ffentliche Einrichtungen und Agenturen aus, die in der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps4322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Regel einen \u00f6ffentlichen Zweck erf\u00fcllen und daher systemisch</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">wichtig sind. Es gibt keine NPLs in diesem Teilsegment und</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps4325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">regulatorisch angeforderte risikogewichtete Aktiva sind</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps4326 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:31.55pt\">niedrig.</span><span class=\"f charStyle-34546584 ps7952\" style=\"width:2.36pt\"> </span></div><div class=\"ps7953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Treasury </span></div><div class=\"ps7954 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps684\">Investment Grade</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Bargeld und Bargeld\u00e4quivalent &amp; Kundenforderungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">14.803<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">18.491<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Investmentbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.139<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.391<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">97,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.942<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">21.882<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7638\"></span><span class=\"ps7638\">99,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7638\"></span><span class=\"ps7638\">99,3%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7956 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:36.88pt\">Treasury</span><span class=\"f charStyle-34546584 ps7955\" style=\"width:225.15pt\"> verfolgte weiterhin die Strategie, ein ausgewogenes</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7957 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verh\u00e4ltnis zwischen langfristigen Investitionen in hochwertige</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Wertpapiere und der Beibehaltung unseres Hold-to-Collect</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7959 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und Sell-Portfolios herzustellen, um die Flexibilit\u00e4t f\u00fcr</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Umschichtungen in Kundenkredite oder andere</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7961 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bilanzstrategien zu erm\u00f6glichen. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gesamtzusammensetzung des Portfolios spiegelt unsere</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7963 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Strategie wider, eine hohe Kreditqualit\u00e4t, eine kurz-/</span></div><div class=\"ps7964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">mittelfristige Duration und eine starke Liquidit\u00e4t im</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wertpapierportfolio aufrechtzuerhalten, um die Ziele der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7966 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Generierung eines zus\u00e4tzlichen Nettozinsertrags bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7967 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">gleichzeitiger Minimierung der Marktwertschwankungen in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7968 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">der Gewinn- und Verlustrechnung in Einklang zu bringen.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7969 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Angesicht der historisch engen Kreditspreads und der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">niedrigen Marktvolatilit\u00e4t und der daraus resultierenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">niedrigen risikoadjustierten Spreads waren wir in unserem</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:174.24pt\">Wertpapierportfolio 2025 unterinvestiert.</span><span class=\"f charStyle-34546584 ps7972\" style=\"width:2.36pt\"> </span></div><div class=\"ps7956 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Mit 31. Dezember 2025 beliefen sich das Investmentportfolio</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7957 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">auf 3,1 Mrd. \u20ac (2024: 3,4 Mrd. \u20ac) und die Liquidity Reserve</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">13,3 Mrd. \u20ac (2024: 16,7 Mrd. \u20ac). Die durchschnittliche Laufzeit</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7959 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">des Anlageportfolios betrug 3 Jahre (2024: 4 Jahre) und</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">umfasste zu fast 100% (2024: 99%) Wertpapiere mit</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7961 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Investment-Grade-Rating, von denen 89% (2024: 76%) in der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kategorie A oder h\u00f6her geratet waren. Das Portfolio hat weder</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7963 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">mit Dezember 2025 noch 2024 ein direktes Engagement in</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">China und Russland, der Ukraine oder dem Mittleren Osten.</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:231.18pt\">Das Engagement in Osteuropa ist nach wie vor limitiert.</span></div><div class=\"ps797 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">Geografische Verteilung des Investmentbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">831<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">206<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">26%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7975\"></span><span class=\"ps7975\">6%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Ireland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">815<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">941<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">26%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7974\"></span><span class=\"ps7974\">28%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">France<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">422<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">557<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">13%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7974\"></span><span class=\"ps7974\">16%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Austria<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">315<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">403<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">10%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7974\"></span><span class=\"ps7974\">12%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">United States<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">183<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">222<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7975\"></span><span class=\"ps7975\">6%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7975\"></span><span class=\"ps7975\">7%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">574<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.062<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">18%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7974\"></span><span class=\"ps7974\">31%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4227 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps772\">3.139<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.391<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2260 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7976\"></span><span class=\"ps7976\">100%<span style=\"display:inline-block;height:6pt;width:2.97pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7976\"></span><span class=\"ps7976\">100%<span style=\"display:inline-block;height:6pt;width:2.97pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7977 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">W\u00e4hrungsverteilung des Investmentbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps279 ss26\" style=\"text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps36\" style=\"width:2.36pt\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.785<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.885<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">88,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">85,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">354<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">412<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">11,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">12,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7673\"></span><span class=\"ps7673\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">2,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps772\">3.139<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.391<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7978 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Corporate Center</span></div><div class=\"ps7979 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Das Corporate Center enth\u00e4lt zentrale Funktionen f\u00fcr die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">BAWAG. Die Gewinn- und Verlustrechnung umfasst daher das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7981 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ergebnis des Fund Transfer Pricing (FTP) als Ergebnis der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7982 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Asset\u00a0&amp; Liability-Management-Funktion, projektbezogene</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7983 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Betriebsausgaben und andere einmalige Posten. Die Bilanz</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7984 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">enth\u00e4lt haupts\u00e4chlich unverzinsliche Verm\u00f6genswerte,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:147.24pt\">Verbindlichkeiten und Eigenkapital.</span><span class=\"f charStyle-34546584 ps7985\" style=\"width:2.36pt\"> </span></div><div class=\"ps7987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Notleidende Kredite</span></div><div class=\"ps7988 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Ausfalldefinition der BAWAG basiert auf Artikel 178 CRR</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps7989 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">und den Leitlinien der EBA (EBA/GL/2016/07) und wurde am</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps7990 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">26. Februar 2020 von der EZB mit der Entscheidung ECB-</span></div><div class=\"ps7991 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">SSM-2020-ATBAW-4 genehmigt. Der Ansatz wurde</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7992 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">anschlie\u00dfend erweitert, um die notleidenden Risikopositionen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7994 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:168.23pt\">nach Artikel 47a CRR zu ber\u00fccksichtigen.</span><span class=\"f charStyle-34546584 ps7993\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps7995 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Basierend auf diesem regulatorischen Ansatz hat BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7996 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">wirtschaftlich notleidende Risikopositionen (\u00f6konomisch NPL)</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7997 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">definiert. Diese unterscheidet sich von der regulatorischen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7998 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Ausfalldefinition dadurch dass Retail &amp; SME-Positionen ohne</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7999 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">materielle R\u00fcckst\u00e4nde in den Ratingklassen 8.1 (&gt; 90 DPD), 8.2</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8000 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(Strukturierungen) und 8.4 (harte und weiche UTP-Trigger) als</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps8001 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">performing Kredite betrachtet werden. In weiterer Folge wird</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps8002 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">f\u00fcr notleidende Kredite die Definition von \u00f6konomisch</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8003 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:176.08pt\">notleidenden Risikopositionen verwendet.</span></div><div class=\"ps8004 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Die folgende Tabelle zeigt die Quote \u00f6konomisch notleidender</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps2585 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kredite (NPL-Quote), Wertberichtigungen, NPL-</span></div><div class=\"ps2586 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertberichtigungsquote und NPL-Besicherungsquote des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2587 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kreditportfolios. Das niedrige Risikoprofil spiegelt sich in der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2588 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">historisch niedrigen NPL-Quote, im niedrigen Volumen an</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8005 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">\u00fcberf\u00e4lligen Forderungen und der erh\u00f6hten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8006 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertberichtigungs- und Besicherungsdeckung \u00fcber das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8007 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">gesamte Portfolio wider. Mehr als 83 % (2024: 87 %) des</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps8008 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Exposures k\u00f6nnen einem Investment-Grade-Rating zugeordnet</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps8009 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden, dies entspricht einem externen Rating zwischen AAA</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps8012 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:35pt\">und BBB</span><span class=\"f charStyle-34546584 ps8010\" style=\"width:2.62pt\">.</span><span class=\"f charStyle-34546584 ps8011\" style=\"width:2.36pt\"> </span></div><div class=\"ps797 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Bilanzielle Gesch\u00e4fte (brutto)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">70.590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">69.353<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps8014\"></span><span class=\"ps8014\">100,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps8014\"></span><span class=\"ps8014\">100,0%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps858 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4022 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">99<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps315 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps316 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps319 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps321 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">307<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps322 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">242<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps323 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps324 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps326 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps627 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps628 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps629 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7673\"></span><span class=\"ps7673\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps630 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7673\"></span><span class=\"ps7673\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2683 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Bilanzielle Gesch\u00e4fte (netto)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">70.090<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">68.985<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2689 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">NPL-Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2262 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Wertberichtungdeckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">55,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">47,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2265 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Deckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7401 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5710\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2266 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">68,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2267 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">70,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2096 ss564\"><div><div class=\"ps4208 ss26\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps4349 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die folgende Tabelle zeigt die NPL-Quote, die NPL-</span></div><div class=\"ps4350 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wertberichtungdeckungsquote und die NPL-Deckungsquote</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4351 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">aufgegliedert in die Segmente Retail &amp; SME und Corporates,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:114.21pt\">Real Estate &amp; Public Sector.</span></div><div class=\"ps8017 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps8015\">Retail &amp; SME</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps624 ss263\"><span class=\"f charStyle-c5fdbd46 ps1758\">Corporates, Real Estate &amp; </span></div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps8016\">Public Sector</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps858 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">NPL-Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,7%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Wertberichtungdeckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4022 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">55,6%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">52,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">43,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">24,0%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Deckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps315 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">68,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps316 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">70,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">54,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">71,3%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps319 ss564\"><div><div class=\"ps4208 ss26\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps8018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Erhaltene Sicherheiten f\u00fcr das NPL-Portfolio</span></div><div class=\"ps8019 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die folgenden Zahlen beziehen sich auf das Brutto-NPL-</span></div><div class=\"ps8021 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:78.6pt\">Exposure (Stufe 3).</span><span class=\"f charStyle-34546584 ps8020\" style=\"width:2.36pt\"> </span></div><div class=\"ps8029 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss184\"><div><div class=\"ps8022 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8023\">NPL Exposure</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-c5fdbd46 ps8024\">Immobilien </span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps8025\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps5775\">Sonstige Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps5458\">Finanzgarantien</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps8025\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8027\">verbesserungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Retail &amp; SME</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3318 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3319 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">92<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3321 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">51<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3322 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8028 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Corporates, Real Estate &amp; Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3546 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-9208d16a ps36\">Gesamtportfolio</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">680<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">98<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3333 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">Die dargestellten Sicherheiten sind Marktwerte.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8035 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss184\"><div><div class=\"ps8022 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8032\">NPL Exposure</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-c5fdbd46 ps8024\">Immobilien </span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps8025\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps5775\">Sonstige Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8033\">Finanzgarantien</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps3206\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8034\">verbesserungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Retail &amp; SME</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3318 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">494<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3319 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">117<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3321 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3322 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8028 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Corporates, Real Estate &amp; Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">107<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3546 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-9208d16a ps36\">Gesamtportfolio</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">601<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">210<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3333 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">Die dargestellten Sicherheiten sind Marktwerte.</span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"i09a461f17cf74621addefd77da42aae9_175\" style=\"position:absolute;top:104.88pt\"></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps2\">I</span><span class=\"f charStyle-b1e544a7 ps8036\">mpairment</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gem\u00e4\u00df IFRS 9 werden die Wertberichtigungen anhand von</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">erwarteten Kreditverluste f\u00fcr alle nicht ausgefallenen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Verm\u00f6genswerte in Stufe 1 und 2 (in Folge als ECL bezeichnet)</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und f\u00fcr alle ausgefallenen finanziellen Verm\u00f6genswerte in<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps1242 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Stufe 3 (in Folge als LLP bezeichnet) berechnet, die zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1049 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">fortgef\u00fchrten Anschaffungskosten (AC) oder FVOCI erfasst</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1050 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden, einschlie\u00dflich Leasingforderungen, Kreditzusagen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1051 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Finanzgarantien sowie Vertragsforderungen gem\u00e4\u00df IFRS 15.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1052 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Einstufung in Stufe 3 wird gem\u00e4\u00df Kapitel \"Notleidende</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1053 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:93.26pt\">Kredite\"\u00a0 angewendet.</span></div><div class=\"ps1055 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das folgende Kapitel ist in f\u00fcnf Unterkapitel unterteilt, um die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1056 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Beurteilung und die Berechnung von Wertminderungen der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:100.48pt\">BAWAG zu beschreiben:</span><span class=\"f charStyle-34546584 ps8037\" style=\"width:2.36pt\"> </span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">1.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:71.6pt\">Stufenzuordnung</span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">2.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:134.89pt\">Berechnung der Wertminderung</span><span class=\"f charStyle-34546584 ps8039\" style=\"width:2.36pt\"> </span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">3.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:226.06pt\">Entwicklung von Buchwerten, Wertminderungen und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps5516\" style=\"width:27.05pt\">Stufen</span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">4.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:202.66pt\">Neuartige Risiken und Post-Modell-Anpassungen</span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">5.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:81.34pt\">Sensitivit\u00e4tsanalyse</span></div></div><span class=\"f charStyle-02ed52cc ps1633\">Stufenzuordnung</span><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Ein wesentlicher Aspekt der Sch\u00e4tzung von Wertminderungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">nach IFRS 9 ist die Einteilung der finanziellen Verm\u00f6genswerte</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">in drei Stufen. Die Stufen 1 und 2 umfassen Verm\u00f6genswerte,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">die als r\u00fcckzahlungsf\u00e4hig angesehen werden, w\u00e4hrend Stufe 3</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">f\u00fcr \u00f6konomisch notleidende Verm\u00f6genswerte (siehe Kapitel</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">\"Notleidende Kredite\") vorgesehen ist. Dar\u00fcber hinaus fallen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">finanzielle Verm\u00f6genswerte, welche bei Erwerb oder</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Kreditvergabe bereits als notleidend identifiziert wurden in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">eine separate Kategorie Purchased or originated as credit-</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">impaired (POCI). Die BAWAG-Gruppe pr\u00fcft die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Stufenzuordnung der Verm\u00f6genswerte zu jedem</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:75.39pt\">Berichtszeitpunkt.</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 1: Erstmalige Erfassung </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Stufe 1 umfasst alle finanziellen Instrumente bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">erstmaliger Erfassung (Ausnahme POCI) und diejenigen, deren</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Kreditrisiko sich seit der Ersterfassung nicht signifikant erh\u00f6ht</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:16.3pt\">hat.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 2: Signifikanter Anstieg des Kreditrisikos (SICR)</span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Finanzinstrumente, bei denen ein signifikanter Anstieg des</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Kreditrisikos seit der erstmaligen Buchung festgestellt wird,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden in Stufe 2 transferiert (Ausnahme POCI). Die SICR-</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Einstufung der Verm\u00f6genswerte wird auf Einzelkontoebene</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:57.31pt\">durchgef\u00fchrt.</span><span class=\"f charStyle-34546584 ps8040\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Transferkriterien von Stufe 1 auf Stufe 2 basieren auf drei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:30.51pt\">S\u00e4ulen:</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:89.13pt\">quantitative Kriterien</span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:82.73pt\">qualitative Kriterien</span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:79.88pt\">Backstop-Kriterium</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die quantitativen Kriterien untersuchen die Verschlechterung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">der Lifetime-PDs seit der erstmaligen Buchung, w\u00e4hrend die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">qualitativen Kriterien zus\u00e4tzliche Informationen \u00fcber die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verm\u00f6genswerte ber\u00fccksichtigen, um einen signifikanten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Anstieg des Kreditrisikos zu beurteilen. Als zus\u00e4tzliches</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Backstop-Kriterium wird in der BAWAG der Zahlungsr\u00fcckstand</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">von 30 Tagen ber\u00fccksichtigt. Wenn eines der Kriterien erf\u00fcllt</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">ist, wird ein Finanzinstrument von Stufe 1 in Stufe 2 \u00fcberf\u00fchrt.</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Ist keines der Transferkriterien erf\u00fcllt, wird der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswert beibehalten oder wieder in Stufe 1</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:50.05pt\">zugeordnet.</span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Quantitative Kriterien</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Ein quantitatives Kriterium untersucht das Kreditrisikoprofil</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:227.63pt\">des finanziellen Verm\u00f6genswerts unter zwei Aspekten:</span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:147.96pt\">der relativen Lifetime-PD-\u00c4nderung</span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:152.39pt\">der absoluten Lifetime-PD-\u00c4nderung</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wenn beide Indikatoren die vorgegebenen Schwellenwerte,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">welche auf Portfolio-Ebene bestimmt werden, \u00fcberschreiten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und auf einen signifikanten Anstieg des Kreditrisikos</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:201.32pt\">hinweisen, wird das Asset in Stufe 2 transferiert.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Qualitative Kriterien</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die von der BAWAG ausgew\u00e4hlten Faktoren f\u00fcr die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:143.83pt\">qualitativen Staging-Kriterien sind:</span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:197.64pt\">Aufnahme in die Watchlist (Non-Retail-Kunden)</span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:164.41pt\">Eintrag in die Warnliste (Retail-Kunden)</span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:163.89pt\">Setzung des Forbearance-Kennzeichens</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wenn einer dieser Faktoren als aktiv gekennzeichnet ist, wird</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:235.95pt\">der finanzielle Verm\u00f6genswert in die Stufe 2 \u00fcbertragen.</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Backstop-Kriterium</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Als Backstop-Kriterium wird in der BAWAG ein</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zahlungsr\u00fcckstand von mehr als 30 Tagen verwendet. Alle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Finanzinstrumente, die mehr als 30 Tage \u00fcberf\u00e4llig sind,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.97pt\">werden in Stufe 2 transferiert, sofern sie nicht schon in Stufe 3</span><span class=\"f charStyle-34546584 ps237\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:19.72pt\">sind.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Stufe 3: Notleidende Verm\u00f6genswerte</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Finanzinstrumente werden gem\u00e4\u00df der Ausfalldefinition f\u00fcr</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">\u00f6konomisch notleidenden Kredite in Stufe 3 eingestuft,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">basierend auf dem Ausfall nach Artikel 178 CRR,\u00a0 bereinigt um</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Retail &amp; SME-Positionen ohne materielle R\u00fcckst\u00e4nde auf</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundenebene f\u00fcr 90-Tage-\u00fcberf\u00e4llige Kredite,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Restrukturierungen bzw. harte und weiche UTP-Trigger. Sobald</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">die Gesundungsperiode ohne R\u00fcckstand beginnt, wird das</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Finanzinstrument in Stufe 2 eingestuft; jedoch f\u00fchrt jeder</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">materielle R\u00fcckstand auf Kundenebene zu einen sofortigen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Transfer nach Stufe 3. Dar\u00fcber hinaus erfolgt die R\u00fcckstufung</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">eines Finanzinstruments in Stufe\u202f1 oder Stufe\u202f2 (gem\u00e4\u00df SICR-</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Klassifizierung), sobald dessen Gesundung nach einem Ausfall</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:166.54pt\">nach Artikel 178 CRR festgestellt wurde.</span></div><span class=\"f charStyle-02ed52cc ps1633\">Berechnung der Wertminderung</span><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Berechnung der Wertminderung von Finanzinstrumenten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">st\u00fctzt sich auf drei grundlegende Parameter:</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ausfallwahrscheinlichkeit (PD \u2013 Probability of Default),</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Verlustquote bei Ausfall (LGD \u2013 Loss Given Default) und</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">ausstehende Kreditsumme bei Ausfall (EAD \u2013 Exposure at</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Default). Diese Parameter bestimmen gemeinsam die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bewertung der erwarteten Kreditverluste und werden mit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Hilfe interner Modelle gesch\u00e4tzt. Wenn vorhanden, bilden die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">aufsichtsrechtlichen, auf internen Ratings basierenden (IRB)</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Risikomodelle, die konzeptionell auf Through-the-Cycle-</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Beobachtungen basieren, den Ausgangspunkt f\u00fcr die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sch\u00e4tzung der Wertminderungsparameter. F\u00fcr</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risikoparameter, f\u00fcr die keine IRB-Risikomodelle eingesetzt</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden, d.h. Standardansatz oder LGDs f\u00fcr F-IRB-Modelle,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden andere interne Modelle und Sch\u00e4tzungen (bspw.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">durch Benchmarking) verwendet. Zur IFRS-9-Konformit\u00e4t</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">werden folgende Anpassungen implementiert: Erweiterung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">des Prognosehorizonts auf die gesamte Kreditlaufzeit,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Transformation der Through-the-Cycle zu Point-in-Time-</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Parametern zur Abbildung aktueller Markttrends sowie</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Integration zukunftsgerichteter Informationen in die ECL-</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Berechnung. Die Parameter werden in allen drei Stufen (au\u00dfer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">bei Stufe 3 Corporate Customers, wo ein individuelles</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Assessment durchgef\u00fchrt wird) angewandt, aber ihre</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Anwendung in der endg\u00fcltigen Wertminderungsberechnung</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">unterscheidet sich je nach Stufe des einzelnen finanziellen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:73.06pt\">Verm\u00f6genswerts.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">F\u00fcr die Ermittlung der Risikoparameter f\u00fcr die Gesamtlaufzeit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">f\u00fcr Portfolios mit unterschiedlichen zugrunde liegenden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Risiken werden separate Modelle und Sch\u00e4tzungen entwickelt.</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Genauigkeit der Modelle wird durch j\u00e4hrliche interne</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:230.19pt\">Modellvalidierung kontinuierlich und rigoros \u00fcberpr\u00fcft.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Lifetime-Risikoparameter nach IFRS 9 bestehen aus einer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zyklus\u00fcbergreifenden (Through-the-Cycle) und einer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zeitpunktbezogenen (Point-in-Time) Komponente, welche</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vorrausschauende Informationen (Forward-looking-</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Information) ber\u00fccksichtigt. Die Through-the-Cycle-</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Komponente erfasst die idiosynkratischen Risiken der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Finanzinstrumente, die im Zeitablauf stabil sind und durch den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">langfristigen Durchschnitt der Risikoparameter gemessen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden. Die zeitpunktbezogene Komponente misst die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">systematischen Risiken, die in der Regel durch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">makro\u00f6konomische Prognosen und den Kreditrisikozyklus des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:123.76pt\">Portfolios dargestellt werden.</span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Exposure bei Ausfall (EAD)</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Das Lifetime-Exposure at Default misst den erwarteten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Forderungsbetrag zum Zeitpunkt des Ausfalls. Bei Krediten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">wird der Betrag als Summe der diskontierten zuk\u00fcnftigen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Cashflows gesch\u00e4tzt, die die Bank erwartungsgem\u00e4\u00df erh\u00e4lt.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">F\u00fcr revolvierende Produkte ist EAD eine Summe der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">erwarteten in Anspruch genommenen Zusagen zum Zeitpunkt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">des Ausfalls. Die zum Zeitpunkt des Ausfalls erwarteten in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Anspruch genommenen Betr\u00e4ge werden durch den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kreditkonversionsfaktor (CCF) approximiert, der auf der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Grundlage der historisch beobachteten in Anspruch</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:163.23pt\">genommenen Zusagen modelliert wird.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Ausfallwahrscheinlichkeit (PD)</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.04pt\">Die Lifetime-Ausfallwahrscheinlichkeit ist die Wahrscheinlichkeit</span><span class=\"f charStyle-7973db00 ps192\" style=\"width:2.26pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.01pt\">der Zahlungsunf\u00e4higkeit des Kunden \u00fcber die Laufzeit des</span><span class=\"f charStyle-7973db00 ps212\" style=\"width:2.26pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.03pt\">Finanzinstruments. Die Through-the-Cycle-Komponente der PD</span><span class=\"f charStyle-7973db00 ps205\" style=\"width:2.26pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.05pt\">wird durch das langfristige durchschnittliche</span><span class=\"f charStyle-7973db00 ps208\" style=\"width:2.26pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.04pt\">Migrationverhaltens der Ratings abgeleitet und prim\u00e4r anhand</span><span class=\"f charStyle-7973db00 ps192\" style=\"width:2.26pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:140.45pt\">von Migrationsmatrizen gesch\u00e4tzt.</span><span class=\"f charStyle-7973db00 ps8041\" style=\"width:2.26pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Verlust bei Ausfall (LGD)</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Der Lifetime-Verlust bei Ausfall stellt den erwarteten Verlust</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der Bank dar, wenn die finanziellen Verm\u00f6genswerte</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">ausgefallen sind. Er wird auf der Grundlage historischer</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verlustquoten gesch\u00e4tzt, wobei Faktoren wie Gesundung,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sicherheiten, Barzahlungen und andere Quellen der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Verwertung ber\u00fccksichtigt werden. Diese diskontierten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">R\u00fcckfl\u00fcsse werden mit dem erwarteten Exposure at Default</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">w\u00e4hrend der Laufzeit des finanziellen Verm\u00f6genswerts</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">verglichen. Dies erm\u00f6glicht, den erwarteten Verlust im Falle</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">eines Ausfalls zu verstehen, wobei ber\u00fccksichtigt wird, wie</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">sich die Erl\u00f6sfaktoren, z.B. Werte von Sicherheiten, w\u00e4hrend</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:257.37pt\">der Lebensdauer des finanziellen Verm\u00f6genswerts ver\u00e4ndern.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Zukunftsgerichtete Informationen f\u00fcr Point-in-Time-</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Anpassung</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die Parameter f\u00fcr den erwarteten Kreditverlust sind von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zukunftsgerichteten Informationen abh\u00e4ngig. Daher werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">diese Parameter auf der Grundlage der vorherrschenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">makro\u00f6konomischen Bedingungen und ihrer Prognosen zu</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">jedem Zeitpunkt angepasst. So h\u00e4ngen beispielsweise die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Prognosen f\u00fcr die Wertentwicklung von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Immobiliensicherheiten von der Vorhersage des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Immobilienpreisindexes ab, und die Beziehung zwischen der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ausfallwahrscheinlichkeit und makro\u00f6konomischen Faktoren,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.06pt\">wie dem Bruttoinlandsprodukt oder Arbeitslosigkeit, wird</span><span class=\"f charStyle-e63b9797 ps190\" style=\"width:2.11pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.06pt\">bewertet und prognostiziert. Zur Gew\u00e4hrleistung einer objektiven</span><span class=\"f charStyle-e63b9797 ps190\" style=\"width:2.11pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262pt\">und marktgerechten Datenbasis greift das Institut hierbei auf die</span><span class=\"f charStyle-e63b9797 ps186\" style=\"width:2.11pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.03pt\">etablierten makro\u00f6konomischen Szenarien von Moody\u2019s Analytics</span><span class=\"f charStyle-e63b9797 ps205\" style=\"width:2.11pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:28.16pt\">zur\u00fcck.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG verwendet f\u00fcr ihre makro\u00f6konomischen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Prognosen ein Set von drei Szenarien: 26% pessimistisch, 45%</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Baseline und 29% optimistisch. Die Gewichtung wird mithilfe</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">eines statistischen Ansatzes abgeleitet, der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wahrscheinlichkeitsgewichtungen aus dem Schweregrad der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">gegebenen Szenarien ermittelt und als Anteil der m\u00f6glichen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zuk\u00fcnftigen Ergebnisse zu verstehen ist, den das jeweilige</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:74.93pt\">Szenario darstellt.</span><span class=\"f charStyle-34546584 ps8042\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Szenarien basieren auf einem bereitgestellten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Basisszenario, das als zentrale makro\u00f6konomische Referenz</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">(\u201eBaseline\u201c) dient. Ausgehend von dieser Grundlage werden</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">die weiteren Szenarien entwickelt und zur Verf\u00fcgung gestellt.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Diese werden unter Ber\u00fccksichtigung des jeweiligen Szenario-</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Narrativ ermittelt. Das makro\u00f6konomische Szenario-Komitee</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">pr\u00fcft alle Szenarien und erteilt die finale Genehmigung. Von</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">allen makro\u00f6konomischen Variablen verwendet die BAWAG</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">das BIP-Wachstum als Hauptquelle f\u00fcr zukunftsgerichtete</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Informationen, die in den ECL-Sch\u00e4tzungen ber\u00fccksichtigt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden, wobei zus\u00e4tzliche Variablen wie Inflation,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Arbeitslosenquote oder Immobilienpreise eine erg\u00e4nzende</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:55.35pt\">Rolle spielen.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Makro\u00f6konomische Prognose f\u00fcr den Euroraum und US,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:138.84pt\">angewendet f\u00fcr ECL-Berechnung:</span><span class=\"f charStyle-34546584 ps8043\" style=\"width:2.36pt\"> </span></div><div class=\"ps3714 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:12pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6940 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">Euroraum BIP-Wachstum 31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps8044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8045 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8046 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8047 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8048 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps8049 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1334 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8053 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">Euroraum BIP-Wachstum 31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8054 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:12pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6940 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">US BIP-Wachstum 31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps8044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8045 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8046 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8047 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8048 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps8049 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1334 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8055 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:12pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6940 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">US BIP-Wachstum 31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8045 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8046 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8047 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8048 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8049 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1334 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 1 &amp; 2: Erwarteter Kreditverlust (ECL)</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die erwarteten Kreditverluste werden f\u00fcr jedes Gesch\u00e4ft</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">einzeln auf Basis der Parameter PD, LGD und EAD berechnet.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die BAWAG wendet ein wahrscheinlichkeitsgewichtetes</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">erwartetes Ergebnis unter drei verschiedenen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">makro\u00f6konomischen Szenarien an, die mit entsprechenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gewichten aggregiert werden, um eine endg\u00fcltige ECL-</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Sch\u00e4tzung zu erstellen. Die Verteilung auf drei Szenarien</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">erm\u00f6glicht es der Bank, ein breites Spektrum an</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zukunftserwartungen abzudecken, und wurde im Rahmen der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:230.7pt\">Branchenstandards als am besten geeignet ausgew\u00e4hlt.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 1: 12-Monats-ECL</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Horizont der Berechnung des erwarteten Kreditverlusts f\u00fcr</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Stufe 1 ist bis zu einem Jahr nach dem Stichtag, unter</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der\u00a0Ber\u00fccksichtigung der vorausschauenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Ausfallswahrscheinlichkeit, des Verlusts bei Ausfall und der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:182.35pt\">Exposure-Struktur innerhalb dieser Periode.</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 2: Lifetime-ECL</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">F\u00fcr Finanzinstrumente in Stufe 2 werden die erwarteten</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Kreditverluste wie bei Stage 1 berechnet, jedoch der Horizont</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">f\u00fcr die erwarteten Kreditverluste ist erweitert bis zum Ende</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:126.13pt\">der Laufzeit des Instrumentes.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 3: Wertberichtigungen (LLP)</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bei Retail-, KMU- und nicht signifikanten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Unternehmenskunden erfolgt die Berechnung der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wertberichtigungen automatisiert anhand interner Modelle.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Diese st\u00fctzen sich auf historisch beobachtete Ausfall- und</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Eintreibungsinformationen, die Dauer des jeweiligen Ausfalls</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:178.58pt\">sowie LTV-Werte bei Hypothekendarlehen.</span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Demgegen\u00fcber unterliegen Engagements gegen\u00fcber</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">signifikanten Unternehmenskunden, Finanzinstituten und der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">\u00f6ffentlichen Hand einer individuellen Risikoanalyse. Um</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">etwaige Verlustereignisse zu identifizieren, werden in</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">regelm\u00e4\u00dfigen Abst\u00e4nden aktuelle Informationen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">kontrahentenbezogene Faktoren gepr\u00fcft. Hierzu z\u00e4hlen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">insbesondere erhebliche finanzielle Schwierigkeiten des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Schuldners oder Vertragsbr\u00fcche, wie etwa der Verzug oder</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:168.47pt\">Ausfall von Zins- und Tilgungsleistungen.</span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">In der Kompetenz- und Pouvoirordnung ist der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Genehmigungsvorgang f\u00fcr die Abschreibung und den Verzicht</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">geregelt. Ausbuchungen erfolgen in Abstimmung mit den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">jeweiligen Fachbereichen, wenn alle zumutbaren</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bestrebungen, die Forderung einzutreiben, ergebnislos</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">verlaufen sind oder wenn keine Absicht besteht, die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.17pt\">Betreibung aktiv fortzusetzen.</span></div><span class=\"f charStyle-02ed52cc ps1633\">Entwicklung von Buchwerten, Wertminderungen und </span><div class=\"ps187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps1633\">Stufen <span class=\"f ps37\"> </span></span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die folgende Tabelle gibt einen \u00dcberblick f\u00fcr die Entwicklung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der IFRS-Buchwerte (netto, abz\u00fcglich Wertberichtigungen)</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:111.32pt\">\u00fcber die jeweiligen Stufen:</span></div><div class=\"ps2555 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung von Buchwerten nach Stufe</span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss572\"><div><div class=\"ps8056 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3584 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss573\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1336\">Er\u00f6ffnungsbil<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8057\">anz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8058\">Erh\u00f6hungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8060\">Originierung </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8061\">und Erwerb</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss573\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4377\">R\u00fcckg\u00e4nge <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8062\">R\u00fcckzahlung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8063\">\u00c4nderungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8064\">an </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8065\">existierenden </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8066\">Buchwerten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss573\"><div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps3137\">Schlussbilanz<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps854 ss574\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der Stufe 1<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4418 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps684\">63.063<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4419 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.881<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4420 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4421 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.642<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4422 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps684\">65.690<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5542 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5544 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">31.937<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5545 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.344<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5546 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.717<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5547 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.411<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5548 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.154<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3623 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8067 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">12.686<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8068 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.408<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8069 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.297<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8070 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.257<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3626 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">13.541<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6839 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8071 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">18.421<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8072 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6844 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.591<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6845 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-3.972<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6846 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.982<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3590 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8073 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">17<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8074 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8075 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8076 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8077 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps631 ss574\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der Stufe 2<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2086 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.928<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps632 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">357<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps633 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps623\">-156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps634 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps708\">-63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps635 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.066<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1718 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4442 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.458<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4443 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">355<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4444 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-111<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1719 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-144<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1721 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.558<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5282 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8078 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">469<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8079 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8080 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-44<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8081 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">81<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8082 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">508<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3598 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8083 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8084 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8085 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8086 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8087 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps659 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8088 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps660 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps661 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps663 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps664 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2699 ss574\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der Stufe 3<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2700 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">571<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2701 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps650\">77<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2702 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps623\">-125<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2703 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2704 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">619<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps907 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8089 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">468<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8090 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">72<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8091 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8092 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">82<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8093 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">587<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps120 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8094 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">103<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8095 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8096 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-88<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8097 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8098 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5584 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5585 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5586 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5587 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4136 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2729 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2730 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2731 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2732 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2733 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2734 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3752 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8099 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps650\">54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8100 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps622\">211<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8101 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8102 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8103 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps622\">251<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2374 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8104 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8105 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">211<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5677 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2375 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2376 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">248<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2166 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2169 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2170 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2171 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2172 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2173 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6929 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8106 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8107 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8108 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8109 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8110 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8111 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8112 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8113 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8114 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8115 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8116 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2307 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8117 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">65.616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8118 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">18.526<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8119 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.895<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2309 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.620<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2310 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">68.626<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8120 ss575\"><div><div class=\"ps4208 ss17\"><span class=\"f charStyle-5ee25b5a ps36\">Nur IFRS-9-relevante Buchwerte werden gezeigt.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Entwicklung von Wertminderungen nach Stufe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss572\"><div><div class=\"ps8056 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3584 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss573\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1336\">Er\u00f6ffnungsbil<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8057\">anz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8058\">Erh\u00f6hungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8060\">Originierung </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8061\">und Erwerb</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss573\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4377\">R\u00fcckg\u00e4nge <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8062\">R\u00fcckzahlung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8063\">\u00c4nderungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8064\">an </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8065\">existierenden </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8066\">Buchwerten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss573\"><div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps3137\">Schlussbilanz<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps854 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Wertberichtigungen Stufe 1 (ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4418 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4419 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">62<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4420 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4421 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4422 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3800 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8121 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8122 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6182 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8123 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8124 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">88<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3586 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8125 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8126 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6186 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8127 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8128 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2065 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2068 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2069 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2070 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2071 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2072 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2073 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2076 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2077 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2078 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2079 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3590 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Wertberichtigungen Stufe 2 (ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8073 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8074 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8075 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8076 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8077 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3592 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8129 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">61<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8130 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8131 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8132 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">98<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3594 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8137 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1355 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8142 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8143 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps746 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8144 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps747 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps748 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps749 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps750 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3598 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Wertberichtigungen Stufe 3 (ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8083 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">242<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8084 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8085 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8086 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">53<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8087 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">308<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3600 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8145 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">219<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8146 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">43<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8147 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8148 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">52<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8149 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">295<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7457 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8151 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8152 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8153 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8154 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5437 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8155 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8156 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8157 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8158 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8159 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5502 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8160 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8161 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8162 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8163 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8164 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps120 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8094 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8098 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8165 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8166 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8167 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1115 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1116 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1118 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8168 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8169 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8170 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8171 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8172 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8173 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8174 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8175 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8176 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8177 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8178 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8179 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8180 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8181 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8182 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8183 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8184 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8185 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3755 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8186 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8187 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">133<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8188 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8189 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8190 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8191 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die folgende Tabelle gibt einen \u00dcberblick \u00fcber den Transfer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8192 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:239.69pt\">von Wertminderung zwischen Stufen im Laufe des Jahres:</span></div><div class=\"ps8199 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Transfer von Wertminderungen zwischen Stufen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">34<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8200 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Transfer von Wertminderungen zwischen Stufen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Ratingverteilung von Buchwerten nach Stufen</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die folgenden Zahlen beziehen sich auf IFRS-Buchwerte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:197.56pt\">(abz\u00fcglich der Vorsorgen f\u00fcr die Stufen 1 bis 3).</span></div><div class=\"ps3127 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:153pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"19\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss576\"><div><div class=\"ps6608 ss3\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps4269 ss3\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8203 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8204 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4477 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8205 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8206 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8207 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps3026\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps4875\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2548 ss579\"><div><div class=\"ps624 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 1</span></div><div class=\"ps1792 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8208 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps6383\">19.424<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7694 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8209\">7.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8210 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8209\">9.770<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8211 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps6383\">20.355<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8212 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8209\">7.867<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7697 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8213\">459<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8215 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8214\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8217 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8218 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps6383\">65.690<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2941 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8220 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.002<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8221 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">3.907<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8222 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">8.504<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8223 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">15.689<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8224 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">6.536<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8225 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">458<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8226 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8227 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8228 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">36.154<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2944 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8229 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">4.077<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8230 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">3.030<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8231 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.003<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8232 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">4.124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8233 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.304<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8235 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8236 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8237 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8238 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">13.541<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2891 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8239 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">14.345<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8240 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">819<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8241 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">255<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8242 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">537<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8243 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8244 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8245 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8246 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8247 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">15.982<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6839 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8248 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8249 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8250 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8251 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8252 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6844 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8253 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8254 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8255 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7431 ss583\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 2</span></div><div class=\"ps2567 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8256 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8257 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8214\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8258 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8214\">57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8259 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">290<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8260 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">754<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8261 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">544<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8262 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">400<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8263 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8264 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8209\">2.066<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps884 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8265 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4229 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8266 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8267 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">204<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8268 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">407<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4232 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">471<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8269 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">397<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8270 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8271 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.558<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1094 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8272 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4235 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8273 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8274 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">85<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8275 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">347<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1095 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">73<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8276 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8277 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8278 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">508<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1098 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8279 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4238 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8280 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8281 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8282 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1099 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8283 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8284 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8285 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1102 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8286 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8287 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8288 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8289 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8290 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1103 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8291 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8292 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8293 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3251 ss583\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 3</span></div><div class=\"ps2567 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8294 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8295 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8296 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8297 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8298 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5718 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8299 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8300 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">619<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8301 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">619<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps907 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8302 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8303 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8304 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8305 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8306 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8091 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8307 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8308 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">587<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8309 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">587<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5298 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8310 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8311 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8312 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8313 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8314 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8315 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8316 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8317 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">33<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8318 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5301 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8319 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8320 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8321 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8322 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8323 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8324 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8325 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8326 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8327 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5304 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8328 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8329 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8330 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8331 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8332 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8333 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8334 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8335 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8336 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8337 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8338 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8339 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8340 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8234\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8341 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8342 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">86<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8343 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8344 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">56<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8345 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8213\">251<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4699 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8346 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8347 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8348 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8349 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8350 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8351 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">85<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8352 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8353 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8354 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">248<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5312 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8355 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8356 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8357 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8358 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8359 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8360 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8361 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8362 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8363 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5317 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8364 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8365 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8366 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8367 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8368 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8369 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8370 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8371 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8372 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4813 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8373 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8374 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8375 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8376 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8377 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8378 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8379 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8380 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8381 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7056 ss585\"><div><div class=\"ps6145 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8382 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps6383\">19.424<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8383 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">7.778<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8384 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">9.827<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8385 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps6383\">20.645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8386 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">8.697<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8387 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">1.089<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8388 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8213\">490<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8389 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8213\">676<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8390 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps6383\">68.626<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8391 ss587\"><div><div class=\"ps4208 ss3\"><span class=\"f charStyle-5ee25b5a ps36\">Nur IFRS-9-ECL-relevante Buchwerte werden gezeigt.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div></div><div class=\"ps797 ss0\"><div class=\"ss518 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:155.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"19\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss589\"><div><div class=\"ps4211 ss588\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss588\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8395 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8396 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8397 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4477 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8398 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2544 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8399 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8400 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8403 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8401\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8402\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss592\"><div><div class=\"ps40 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 1</span></div><div class=\"ps2027 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8405 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8404\">20.705<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8407 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">6.699<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8408 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">7.877<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4489 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8404\">21.655<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8409 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">5.669<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8410 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">365<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8411 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3438\">93<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8412 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8413 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8404\">63.063<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2941 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8414 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">970<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8415 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">3.705<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8416 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">6.283<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8223 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">16.265<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8417 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">4.258<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8418 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">364<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8419 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">93<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8420 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8421 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">31.937<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2944 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8422 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">3.207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8423 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">2.155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8424 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">1.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8232 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">4.837<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8425 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">1.316<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8427 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8428 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8429 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8430 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">12.686<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2891 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8431 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">16.529<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8432 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">829<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8433 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">417<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8242 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">552<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8434 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8435 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8436 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8437 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8438 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">18.421<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6839 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8439 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8440 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8441 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8251 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8442 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8443 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8444 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8445 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8446 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">17<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7431 ss592\"><div><div class=\"ps40 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 2</span></div><div class=\"ps2027 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8447 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8448 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8449 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8259 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8450 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8451 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">466<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8452 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">387<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8453 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8454 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">1.928<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2770 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8455 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8456 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8457 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8458 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">286<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8459 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">347<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8460 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">408<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8461 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">385<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8462 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8463 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">1.458<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps888 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8464 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8465 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8466 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8467 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">167<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8468 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">243<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8469 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8470 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8471 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8472 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">469<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2775 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8473 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8474 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8475 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8476 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8477 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8478 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8479 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8480 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8481 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2778 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8482 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8483 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8484 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8485 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8486 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8487 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8488 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8489 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8490 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1106 ss592\"><div><div class=\"ps40 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 3</span></div><div class=\"ps2027 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8491 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8492 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8493 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8494 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8495 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8496 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8497 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8498 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">571<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8499 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">571<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps678 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8500 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8501 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8502 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8503 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8504 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8505 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8506 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8507 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">468<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8508 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">468<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps683 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8509 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8510 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8511 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8512 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8513 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8514 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8515 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8516 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">103<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8517 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">103<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8518 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8519 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8520 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8521 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8522 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8523 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8524 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8525 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8526 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8527 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8528 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8529 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8530 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8531 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8532 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8533 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8534 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8535 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4144 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8536 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8537 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3438\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8538 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8539 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8540 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8426\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8541 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8426\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8542 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8426\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8543 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3438\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8544 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3438\">54<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8545 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8546 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8547 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8548 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8549 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8550 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8551 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8552 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8553 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">50<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5603 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8554 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8555 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8556 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8557 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8558 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8559 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8560 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8561 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8562 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5610 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8563 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8564 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8565 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8566 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8567 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8568 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8569 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8570 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8571 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8572 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8573 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8574 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8575 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8576 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8577 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8578 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8579 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8580 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8581 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8582 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8583 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8404\">20.705<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8584 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8406\">6.733<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8585 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8406\">7.893<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8586 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8404\">22.107<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8587 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8406\">6.259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8588 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps7398\">838<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8589 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps7398\">486<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8590 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps7398\">594<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8591 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8404\">65.616<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8592 ss596\"><div><div class=\"ps4208 ss588\"><span class=\"f charStyle-5ee25b5a ps36\">Nur IFRS-9-ECL-relevante Buchwerte werden gezeigt.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><span class=\"f charStyle-02ed52cc ps1633\">Neuartige Risiken und Post-Modell-Anpassungen</span><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">BAWAGs ECL-Berechnungen basieren auf historischen Daten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und beobachteten Zusammenh\u00e4ngen, um die k\u00fcnftige</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Entwicklung der erwarteten Kreditverluste vorherzusehen.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Allerdings kann die vollst\u00e4ndige Erfassung von bestimmten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risiken in historischen Datens\u00e4tzen eingeschr\u00e4nkt sein, sodass</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">diese m\u00f6glicherweise au\u00dferhalb des Umfangs der Modelle</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">liegen. Dies betrifft vor allem neuartige Risiken wie</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">geopolitische Unsicherheiten, klimarelevante</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Herausforderungen, Lieferkettenunterbrechungen, Pandemien</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">sowie abrupte Inflations- und Zinssatz-Schwankungen. Daher</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wendet der Konzern ein Framework an, das proaktiv solche</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:62.5pt\">Risiken erfasst.</span><span class=\"f charStyle-34546584 ps8594\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG ist bestrebt, ihre ECL-Modelle laufend</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">weiterzuentwickeln, um sicherzustellen, dass sie die sich stetig</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">\u00e4ndernden Wirtschafts- und Marktbedingungen weiterhin</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">angemessen und pr\u00e4zise widerspiegeln. Diese Anpassungen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">umfassen eine regelm\u00e4\u00dfige \u00dcberarbeitung und Rekalibrierung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:219.14pt\">der PD-, LGD- und CCF-Modelle f\u00fcr alle Assetklassen.</span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Dar\u00fcber hinaus hat die BAWAG ein systematisches Verfahren</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zur Identifizierung der besagten neuartiger Risiken und zur</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Bewertung ihrer m\u00f6glichen Auswirkungen auf verschiedene</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Portfolios etabliert. Dieser Prozess wird kontinuierlich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">angewendet, um festzustellen, ob Ma\u00dfnahmen wie Post-</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Modell-Anpassungen oder kollektive Stufen\u00e4nderung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">notwendig sind. In diesem Zusammenhang wurden keine</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sch\u00e4tzunsicherheiten, die zus\u00e4tzliche Ma\u00dfnahmen erfordern,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:50.68pt\">identifiziert.</span></div><span class=\"f charStyle-02ed52cc ps8596\">Sensitivit\u00e4tsanalyse</span><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die folgende Tabelle veranschaulicht den gewichteten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erwarteten Kreditverlust sowie die Ergebnisse der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Sensitivit\u00e4tsanalyse, bei der die ECLs unter jedem Szenario mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">einer Gewichtung von 100% gemessen werden. Die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sensitivit\u00e4tsanalyse basiert auf dem kalkulierten ECL von</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:47pt\">202\u00a0Mio. \u20ac.</span><span class=\"f charStyle-34546584 ps8597\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Ergebnisse der Sensitivit\u00e4tsanalyse variieren von einem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">ECL-R\u00fcckgang von -47 Mio. \u20ac, wenn das optimistische Szenario</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">mit 100% gewichtet wird, bis zu einer ECL-Erh\u00f6hung von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">83\u00a0Mio. \u20ac, wenn das pessimistische Szenario mit 100%</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:67.28pt\">gewichtet wird..</span></div><div class=\"ps8605 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss288\"><div><div class=\"ps281 ss287\"><span class=\"f charStyle-c5fdbd46 ps8598\">ECL-Szenario-\u00c4nderungen</span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss597\"><div><div class=\"ps2640 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps296 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2057\">ECL Total<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2058\">Optimistisch</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8600\">Baseline</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8601\">Pessimistisch</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2885 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Stufe 1 &amp; Stufe 2 Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8602 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">202<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8603 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8604 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5541 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">83<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8606 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss288\"><div><div class=\"ps281 ss287\"><span class=\"f charStyle-c5fdbd46 ps8598\">ECL-Szenario-\u00c4nderungen</span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss597\"><div><div class=\"ps2640 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps296 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2057\">ECL Total<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2058\">Optimistisch</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8600\">Baseline</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8601\">Pessimistisch</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2885 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Stufe 1 &amp; Stufe 2 Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8602 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">118<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8603 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8604 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5541 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfFinancialAssetsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-654": {
   "value": "<div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps185\" style=\"width:67.74pt\">Wertminderung</span><span class=\"f charStyle-81af04f8 ps2428\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Hinsichtlich Angaben zu Wertminderungen wird auf den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:101.19pt\">Risikobericht verwiesen.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Wertminderungstests</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Der beizulegende Zeitwert der Marken wird anhand einer</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">modifizierten Lizenzpreisanalogiemethode (der Brand-Equity-</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Methode) ermittelt. Bei der Ableitung des mit dem Ertrag vor</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Steuern der jeweiligen Profitcenter assoziierten Anteils der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">Marke werden sowohl die Relevanz als auch die St\u00e4rke der</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Marke ber\u00fccksichtigt. Nach Ermittlung des markenbezogenen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Ertrags werden die Zahlungsstr\u00f6me mit dem entsprechenden</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Diskontierungssatz abgezinst. Der beizulegende Zeitwert des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Markennamens entspricht dem Barwert aller marktbezogenen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:69.09pt\">Zahlungsstr\u00f6me.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Cashflow-Prognosen basieren auf den von der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Gesch\u00e4ftsf\u00fchrung des Unternehmens geplanten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Jahresgewinnen der n\u00e4chsten f\u00fcnf Jahre und einer ewigen</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Wachstumsrate (abh\u00e4ngig vom Gesch\u00e4ftsmodell 0,5% bis</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">1,0%) danach. Die nachhaltige Wachstumsrate wurde</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">basierend auf der Sch\u00e4tzung der langfristigen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">durchschnittlichen j\u00e4hrlichen Gewinnwachstumsrate ermittelt,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">die mit der Annahme, die ein Marktteilnehmer treffen w\u00fcrde,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">\u00fcbereinstimmt. Der Abzinsungssatz nach Steuern wurde f\u00fcr</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">die Zahn\u00e4rztekasse mit 7,34%, mit 9,15% f\u00fcr die Idaho First</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Bank und f\u00fcr die anderen Gesellschaften mit 8,75% festgelegt</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">(2024: Zahn\u00e4rztekasse mit 6,97%, mit 9,02% f\u00fcr die Idaho First</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Bank und f\u00fcr die anderen Gesellschaften mit 9,02% festgelegt).</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die Planungsannahmen f\u00fcr den Zeitraum 2026\u20132030 basieren</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">auf den wirtschaftlichen Annahmen der EZB und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">angemessenen Sch\u00e4tzungen der Risikokosten. Der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Planungsinput basiert auf der Gesch\u00e4ftsstrategie, die ein</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">organisches Wachstum im Kernmarkt und eine kontinuierliche</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:177.17pt\">Verbesserung der Produktpalette vorsieht.</span><span class=\"f charStyle-34546584 ps2439\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Des Weiteren wird bei immateriellen Verm\u00f6genswerten und</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">bei Sachanlagen jeweils zum Bilanzstichtag \u00fcberpr\u00fcft, ob</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Anhaltspunkte f\u00fcr eine Wertminderung vorliegen. Sofern diese</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vorliegen, wird hierbei der f\u00fcr den Verm\u00f6genswert erzielbare</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Betrag ermittelt. Dieser entspricht dem h\u00f6heren Betrag aus</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nutzwert und Nettover\u00e4u\u00dferungspreis. Sofern der erzielbare</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Betrag unter dem Buchwert liegt, wird gem\u00e4\u00df IAS 36 eine</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertminderung in H\u00f6he des Unterschiedsbetrags</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">vorgenommen. Details zu Wertminderungen und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:165.16pt\">Aufwertungen finden sich unter Note 9.</span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">Entsprechend IFRS 3 iVm IAS 36 und IAS 38 wird f\u00fcr alle</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zahlungsmittel generierenden Einheiten (CGU) eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">\u00dcberpr\u00fcfung der Werthaltigkeit der aktivierten Firmenwerte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">und Markenrechte durch einen j\u00e4hrlichen Impairmenttest</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps185\" style=\"width:165.96pt\">nach Ma\u00dfgabe des IAS 36 durchgef\u00fchrt.</span><div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-6423092b ps2\">RISIKOBERICHT</span></div><div class=\"ps330 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die BAWAG operiert auf einem Businessmodell, das auf Retail</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps331 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">&amp; SME fokussiert ist, und durch Corporates, Real Estate und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps332 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Public Sector erg\u00e4nzt wird. Geographisch gesehen, ist die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps333 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">BAWAG auf entwickelte L\u00e4nder, wie \u00d6sterreich, Deutschland,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps334 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">die Niederlande, Irland, dem Vereinigten K\u00f6nigreich, der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps34 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Schweiz sowie den Vereinigten Staaten (USA), ausgerichtet. All</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps335 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">diese Staaten haben ein L\u00e4nder Rating von zumindest AA-</span></div><div class=\"ps48 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Rating sowie stabile rechtliche und politische</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps336 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Rahmenbedingungen. Unsere Bankgesch\u00e4fte werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps337 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">haupts\u00e4chlich durch stabile Privatkundeneinlagen finanziert. In</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps338 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Kombination mit Hypotheken sowie gedeckten Anleihen des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps339 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">\u00f6ffentlichen Sektors macht die Kundenfinanzierung mehr als</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps340 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">90% der Finanzierungen der BAWAG aus. Einfachheit und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps341 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Effizienz stehen im Mittelpunkt unserer Arbeit. Wir sind</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps342 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">bestrebt, Prozessen durchg\u00e4ngig zu optimieren und unseren</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps343 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kunden einfache und intuitive Finanzprodukte und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps344 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:5.08pt\">\u2212</span><span class=\"f charStyle-7973db00 ps7227\" style=\"width:5.25pt\">d</span><span class=\"f charStyle-34546584 ps7228\" style=\"width:114.77pt\">ienstleistungen anzubieten.</span><span class=\"f charStyle-34546584 ps7229\" style=\"width:2.36pt\"> </span></div><div class=\"ps346 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Unser Gesch\u00e4ftsmodell und unsere langfristige Entwicklung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">spiegeln unseren konservativen Risikoappetit wider.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps347 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Risikomanagement und aktive Steuerung von Risiken sind</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps348 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">integrale Bestandteile der Gesch\u00e4ftsstrategie des Konzerns</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps349 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">und der Schl\u00fcssel zum Erreichen unserer strategischen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps350 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">finanziellen Ziele. Diese Vorgehensweise erm\u00f6glicht uns die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps351 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Schaffung von Mehrwert f\u00fcr unsere Stakeholder, einschlie\u00dflich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:95.76pt\">Aktion\u00e4re und Kunden.</span></div><div class=\"ps16 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:152.31pt\">Die Aufrechterhaltung eines </span><span class=\"f charStyle-81af04f8 ps7230\" style=\"width:109.72pt\">sicheren und soliden</span><span class=\"f charStyle-81af04f8 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps354 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:60.69pt\">Risikoprofils, </span><span class=\"f charStyle-34546584 ps7231\" style=\"width:201.34pt\">als zentraler Pfeiler unserer Konzernstrategie</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps17 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:238.49pt\">und Risikopolitik, basiert auf den folgenden Grunds\u00e4tzen:</span></div><div class=\"ps7232 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Umfassendes und vorausschauendes Risikomanagement-</span></div><div class=\"ps7233 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:47.14pt\">Framework</span></div><div class=\"ps5110 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Beibehaltung einer starken Kapitalposition, stabiler</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps5111 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Privatkundeneinlagen und eines niedrigen Risikoprofils</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps5112 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:175.84pt\">durch Fokus auf risikoadjustierte Renditen</span></div><div class=\"ps5114 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:237.86pt\">Fokus auf etablierte, entwickelte und nachhaltige M\u00e4rkte</span></div><div class=\"ps5116 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Anwendung einer konservativen und disziplinierten</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps5117 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Kreditvergabe mit Schwerpunkt auf besicherte Kredite zur</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps5118 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:215.34pt\">Aufrechterhaltung einer sicheren und soliden Bilanz</span></div><div class=\"ps5120 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Proaktives Management und Reduzierung</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5121 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">nicht\u2212finanzieller Risiken inklusive</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5122 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:140.52pt\">nachhaltigkeitsbezogener\u00a0 Risiken</span></div><div class=\"ps364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fef355dc ps2\"><span style=\"background-color:inherit\">Zusammenfassung des Jahres 2025</span></span></div><div class=\"ps5125 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Unsere Hauptm\u00e4rkte in \u00d6sterreich, Deutschland, den</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps5126 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Niederlanden, Irland, dem Vereinigten K\u00f6nigreich, der</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps5127 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Schweiz und den USA werden durch ein stabiles</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Besch\u00e4ftigungsniveau und eine starke finanzielle Position</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">unserer Kunden gest\u00fctzt. Dennoch bestehen</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Abw\u00e4rtsrisiken, einschlie\u00dflich (aber nicht darauf</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">beschr\u00e4nkt) anhaltender geopolitischer Spannungen,\u00a0 des</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Potenzials f\u00fcr eine anhaltende hohe Inflation und einer sich</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">verst\u00e4rkenden Konjunkturabschw\u00e4chung. Solche Risiken</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">w\u00fcrden insbesondere f\u00fcr Unternehmen oder Kunden mit</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">hoher Verschuldung wirtschaftliche Schwachstellen</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">aufzeigen, zu gro\u00dfer Unsicherheit f\u00fchren und sich negativ</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">auf die Investitionen der Unternehmen auswirken. Wir sind</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.83pt\"><span style=\"background-color:inherit\">der Ansicht, dass die BAWAG dank ihres umsichtigen</span></span><span class=\"f charStyle-5a2826df ps1478\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Risikomanagements und ihrer langj\u00e4hrigen konservativen</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Kreditvergabegrunds\u00e4tze gut positioniert ist, um</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">ung\u00fcnstigen Entwicklungen standzuhalten. Durch die</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Aufrechterhaltung angemessener R\u00fccklagen, eines hohen</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Kapital- und Liquidit\u00e4tsniveaus, das weit \u00fcber den</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">regulatorischen Anforderungen liegt, und stabiler</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Finanzierungsquellen, bleiben wir vorsichtig und</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:49.18pt\"><span style=\"background-color:inherit\">gewappnet.</span></span><span class=\"f charStyle-5a2826df ps7234\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Im ersten Quartal 2025 hat die BAWAG den Kauf der</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Barclays Consumer Bank Europe (umbenannt zu Easybank)</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">abgeschlossen, welche unser Retail &amp; SME-Gesch\u00e4ft weiter</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">erg\u00e4nzt hat. Der Zukauf erfolgt in kompletter</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">\u00dcbereinstimmung mit der Risikostrategie und dem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Risikoappetit der BAWAG und gemeinsam mit Knab (Kauf</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">wurde im 4. Quartal 2024 abgeschlossen) wird er unseren</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">geographischen Fu\u00dfabdruck weiter diversifizieren. Beide</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Portfolios wurden in den BAWAG-weiten</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Risikomanagementprozess, von Tag eins des Abschlusses</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">der Transaktionen an, integriert, um eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">\u00dcbereinstimmung mit den regulatorischen Anforderungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">sicherzustellen. Die Implementierung der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">BAWAG\u2212Konzernrichtlinien, Modelle und Prozesse wurde</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">f\u00fcr beide Akquisitionen im vierten Quartal 2025</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:62.61pt\">abgeschlossen.</span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Die hohe Qualit\u00e4t der Aktiva zeigt sich durch einen hohen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Anteil der Kundenforderungen in Stufe 1 (Performing) von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">94% (2024: 95%) und lediglich 4% in Stufe 2 (Performing,</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">aber erh\u00f6htes Kreditrisiko) (2024: 4%). Der weiterhin</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">geringe Anteil der Stufe-2-Kundenaktiva am</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Gesamtbestand spiegelt unsere disziplinierten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Kreditvergabestandards und die Kreditqualit\u00e4t wider.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Aufgrund des gleichbleibenden Trends best\u00e4tigt dies die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">\u00dcbereinstimmung der erworbenen Unternehmen mit</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:95.74pt\">unserem Risikoappetit.</span><span class=\"f charStyle-34546584 ps7235\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Starkes Kreditrisikoprofil mit einer niedrigen NPL-Quote</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">von 0,8% (2024: 0,8%), einer angestiegenen NPL-</span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:228.19pt\">Wertberichtigung-Besicherungsquote von 55% (2024: </span><span class=\"f charStyle-e63b9797 ps7236\" style=\"width:19.69pt\">47%)</span><span class=\"f charStyle-e63b9797 ps208\" style=\"width:2.11pt\"> </span></div><div class=\"ps1530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps369\" style=\"width:200.8pt\">und einer NPL-Deckungsquote von 68% (2024: 71%</span><span class=\"f charStyle-34546584 ps7237\" style=\"width:5.75pt\">).</span><span class=\"f charStyle-34546584 ps7238\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Die Risikokosten des Jahres 2025 von 228 Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">82\u00a0Mio.\u00a0\u20ac) entsprechen einer Erh\u00f6hung auf 41 Basispunkte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1534 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">2025 (2024: 19 Basispunkte) und zeigen die erwartete</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1535 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Erh\u00f6hung folgend der Integration der neuen Akquisitionen</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">in 2025, wobei die Risikokosten im Jahr 2024 positiv durch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">die vollst\u00e4ndige Aufl\u00f6sung des ECL-Overlays beeinflusst</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:34.56pt\">wurden.</span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:225.14pt\">Robuste Liquidit\u00e4tsposition mit einer LCR-Quote von </span><span class=\"f charStyle-34546584 ps7239\" style=\"width:22.72pt\">204%</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:39.16pt\">(2024: </span><span class=\"f charStyle-34546584 ps7240\" style=\"width:22.72pt\">249%</span><span class=\"f charStyle-34546584 ps7241\" style=\"width:185.98pt\">) und einer Net-stable-funding-Quote</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:81.05pt\">(NSFR\u2212Quote) von </span><span class=\"f charStyle-34546584 ps7242\" style=\"width:26.16pt\">142% </span><span class=\"f charStyle-34546584 ps7243\" style=\"width:29.98pt\">(2024: </span><span class=\"f charStyle-34546584 ps7244\" style=\"width:22.72pt\">147%</span><span class=\"f charStyle-34546584 ps7245\" style=\"width:87.98pt\">). Beide Quoten sind</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:235.56pt\">damit deutlich \u00fcber den regulatorischen Anforderungen.</span><span class=\"f charStyle-34546584 ps7246\" style=\"width:2.36pt\"> </span></div><div class=\"ps6009 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:360pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss36\"><div><div class=\"ps276 ss34\"><span class=\"f charStyle-9f85f029 ps36\">Entwicklung der wichtigsten Risikokennzahlen <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss524\"><div><div class=\"ps1091 ss34\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps3606 ss526\"><div><div class=\"ps281 ss525\"><span class=\"f charStyle-c5fdbd46 ps7247\">Gesamtportfolio</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss524\"><div><div class=\"ps277 ss34\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7248 ss490\"><div><div class=\"ps281 ss319\"><span class=\"f charStyle-36b68314 ps5957\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7250 ss490\"><div><div class=\"ps281 ss319\"><span class=\"f charStyle-37455c2a ps7249\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7090 ss490\"><div><div class=\"ps624 ss319\"><span class=\"f charStyle-b27625d4 ps7251\">Ver\u00e4nderung </span></div><div class=\"ps281 ss319\"><span class=\"f charStyle-b27625d4 ps7252\">(Pkt.)</span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">NPL-Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7254 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7253\"></span><span class=\"ps7253\">0,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps7255 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7253\"></span><span class=\"ps7253\">0,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps7256 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">0,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Wertberichtungdeckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7258 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7257\"></span><span class=\"ps7257\">55,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7259 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7257\"></span><span class=\"ps7257\">47,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7260 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">7,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Deckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7261 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7257\"></span><span class=\"ps7257\">68,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7262 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7257\"></span><span class=\"ps7257\">70,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7263 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4675\">-2,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7264 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34 ps3432\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7265 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps3432\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7266 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps3432\">132<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">Stage 2 F\u00f6rderungen Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7268 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7253\"></span><span class=\"ps7253\">4,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7269 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7253\"></span><span class=\"ps7253\">4,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7270 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">LCR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7272 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7271\"></span><span class=\"ps7271\">204%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7273 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7271\"></span><span class=\"ps7271\">249%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7275 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps7274\">-45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">NSFR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7276 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7271\"></span><span class=\"ps7271\">142%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7277 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7271\"></span><span class=\"ps7271\">147%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7106 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps7278\">-5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss527\"><div><div class=\"ps4208 ss34\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps2852\">Risk Governance</span><div class=\"ps7280 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Risikobeurteilung</span></div><div class=\"ps6263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Gesch\u00e4ftst\u00e4tigkeit der BAWAG konzentriert sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vorwiegend auf das Privatkundengesch\u00e4ft in unseren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kernm\u00e4rkten sowie auf risikoarme \u00f6ffentliche Finanzierungen,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">selektives Firmenkundengesch\u00e4ft und Gewerbeimmobilien-</span></div><div class=\"ps6267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Finanzierungen in etablierten M\u00e4rkten, die ein angemessenes</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7281 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risiko-Ertrags-Profil aufweisen. Dabei geht die Gruppe die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">branchenspezifischen Risiken sowie jene der Wirtschaft im</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6270 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Allgemeinen ein. Die BAWAG \u00fcberwacht diese Risiken und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7282 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">steuert sie innerhalb eines strikten und umfassenden</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps6271 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Risikomanagementregelwerks, und stellt eine angemessene</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6272 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Kapital- und Liquidit\u00e4tsausstattung sicher, sollten derartige</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps6273 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:73.11pt\">Risiken eintreten.</span></div><div class=\"ps7283 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die BAWAG hat ein umfassendes und vorausschauendes</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7284 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risikomanagementsystem entwickelt, das die Art, den Umfang</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7285 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">und die Komplexit\u00e4t der Gesch\u00e4ftsaktivit\u00e4ten des Konzerns</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7286 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und die daraus resultierenden Risiken ber\u00fccksichtigt. Die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7287 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risikomanagement-Governance und -\u00dcberwachung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7288 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">BAWAG beinhaltet das Verst\u00e4ndnis von Risikotreibern,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7289 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risikoarten und Auswirkungen von Risiken. Risikoansatz,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7290 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Risikoappetit und Governance-Rahmenwerk der BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7291 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:87.59pt\">bleiben unver\u00e4ndert.</span></div><div class=\"ps7292 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Grunds\u00e4tze des Risikomanagements</span></div><div class=\"ps7293 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das Risikomanagement der BAWAG basiert auf den folgenden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7294 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:55.61pt\">Grunds\u00e4tzen:</span></div><div class=\"ps7295 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Risikobewusste Kultur: Risikomanagement ist eine</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7296 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">gemeinsame Anstrengung aller Gesch\u00e4ftseinheiten und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps7297 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Risikomanagementbereiche. Wir haben in der gesamten</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps7298 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Gruppe eine risikobewusste Kultur etabliert, die eine</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7299 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:211.77pt\">risikobasierte Entscheidungsfindung gew\u00e4hrleistet.</span></div><div class=\"ps7300 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Umsichtiger Umgang mit Risiken und Kreditvergabe: Unser</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps7301 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">strategisches Bekenntnis zu einem niedrigen Risikoprofil</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7302 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">spiegelt sich in unserem Fokus auf entwickelte M\u00e4rkte,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7303 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">unseren konservativen Kreditvergaberichtlinien mit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7304 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Schwerpunkt auf besichertem Gesch\u00e4ft und Renditen,</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7305 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">einer starken Kapitalposition, einer Kundenfinanzierung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7306 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">bestehend aus Einlagen und gedeckten Anleihen, und der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7307 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:222.53pt\">proaktiven Steuerung nicht-finanzieller Risiken wider.</span></div><div class=\"ps7308 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Integriertes Risikomanagement: Wir steuern alle</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7309 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">relevanten Risikoarten auf einer konzernweiten Basis und</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7310 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">stellen so einen konsistenten und koh\u00e4renten Ansatz f\u00fcr</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7311 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">unsere Risikomanagementaktivit\u00e4ten in der gesamten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7312 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:60.8pt\">Gruppe sicher.</span></div><div class=\"ps7313 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Gut etablierte Risiko-Governance: Das Governance-</span></div><div class=\"ps7314 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Rahmenwerk gew\u00e4hrleistet eine strikte Trennung von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7315 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Gesch\u00e4fts- und Risikofunktionen auf allen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7316 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Organisationsebenen und tr\u00e4gt zur effektiven Umsetzung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7317 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">und Kontrolle des Risikoappetites sowie der Risikostrategie</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7318 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:72.65pt\">des Konzerns bei.</span></div><div class=\"ps7319 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Effektive Risikoanalyse und -steuerung sowie effektives</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7320 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Risikoreporting: Ein umfassendes Risikoreporting in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Verbindung mit ausgereiften Risikomess- und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Validierungsverfahren, die alle wesentlichen Risikoarten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">abdecken, gew\u00e4hrleistet eine enge \u00dcberwachung und</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7324 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">fr\u00fchzeitige Erkennung entstehender Risiken. Die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Risikoanalyse wird durch solide und umfangreiche</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7326 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Stresstests erg\u00e4nzt, die eine gezielte Identifizierung von</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps7327 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:201.49pt\">Risikoschwachstellen des Konzerns erm\u00f6glichen.</span></div><div class=\"ps7328 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Das implementierte Risikomanagement-Rahmenwerk</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7329 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">gew\u00e4hrleistet eine effektive Identifizierung, Messung und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7330 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Steuerung von Risiken in der gesamten BAWAG und bildet die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Grundlage f\u00fcr fundierte risikobasierte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Gesch\u00e4ftsentscheidungen. Dies erm\u00f6glicht uns, rasch und<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">proaktiv auf Markttrends oder andere, sich verschlechternde</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Entwicklungen zu reagieren, und unterst\u00fctzt die organische</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und anorganische Wachstumsstrategie der Gruppe innerhalb</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:107.62pt\">des Gesamtrisikoappetits.</span></div><div class=\"ps1404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Risikoappetit</span></div><div class=\"ps1051 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Risikostrategie der BAWAG ist vollst\u00e4ndig auf die</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1052 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gesamtgesch\u00e4ftsstrategie des Konzerns abgestimmt ist. Der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1053 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Vorstand definiert und genehmigt den Risikoappetit und die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1054 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Risikostrategie auf j\u00e4hrlicher Basis. Das erm\u00f6glicht es uns,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1055 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">unsere Risiken besser zu steuern, indem wir\u00a0 sowohl qualitativ</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1056 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">als auch quantitativ festlegen, wie viel und welche Art von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Risiko wir eingehen m\u00f6chten. Der Risikoappetit dient als</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1059 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Einschr\u00e4nkung und bildet die Grundlage f\u00fcr die Allokation des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">vordefinierten verf\u00fcgbaren internen Kapitals um gezielt</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risiken, unter Ber\u00fccksichtigung der regulatorischen und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">\u00f6konomischen Rahmenbedingungen, der Liquidit\u00e4tsposition</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:250.11pt\">und der Profitabilit\u00e4tserwartungen der Gruppe, einzugehen.</span></div><div class=\"ps7332 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ps131\"><div class=\"ps1\"><img alt=\"image.png\" id=\"i-23\" 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\" style=\"height:179.68pt;width:262.06pt\"/></div></div></div><div class=\"ps7333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Governance-Rahmenwerk</span></div><div class=\"ps7334 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die etablierte Risiko-Governance stellt die Umsetzung der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7335 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Risikostrategie der Gruppe durch die operativen und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7336 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">strategischen Risikomanagementfunktionen und die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7337 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">relevanten Komitees der BAWAG sicher. Der Ansatz der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7338 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">BAWAG in Bezug auf Risiken basiert auf einem koordinierten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7339 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kontrollframework und wird durch eine starke</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7340 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Risikomanagementkultur und -struktur verwaltet. Die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7341 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Governance wird vom Vorstand durch die Delegation von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7342 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Befugnissen innerhalb der Managementhierarchie</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7343 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sichergestellt und durch entsprechende Komitees unterst\u00fctzt,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7344 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">um eine fundierte Entscheidungsfindung und Kommunikation</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7345 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:64.46pt\">sicherzustellen.</span></div><div class=\"ps7346 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Der Vorstand wird monatlich bzw. anlassbezogen \u00fcber die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7347 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gesamtrisikosituation und m\u00f6gliche zuk\u00fcnftige Entwicklungen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">informiert. Die Risikoberichterstattung basiert auf klar</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">definierten Risikokennzahlen und umfasst alle S\u00e4ule-I- und</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">S\u00e4ule-II-relevanten Themen (wobei sich S\u00e4ule I auf die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">aufsichtsrechtlichen Mindestkapitalanforderungen und S\u00e4ule II</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">auf die Bewertung der internen Kapitalad\u00e4quanz gem\u00e4\u00df dem</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Basel-Rahmenwerk bezieht, um alle Risiken abzudecken,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">denen die Gruppe \u00fcber die Mindestkapitalanforderungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">potenziell ausgesetzt sein kann). Risikoberichte werden auf</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">viertelj\u00e4hrlicher Basis dem Risikoausschuss des Aufsichtsrates</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">vorgelegt. Die Risikomanagementrichtlinien werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">regelm\u00e4\u00dfig \u00fcberpr\u00fcft, um Ver\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Konzernstrategie, der regulatorischen Anforderungen sowie</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">der Marktbedingungen zu ber\u00fccksichtigen. Besonderes</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Augenmerk wird dabei auf Adaptierungen in Bezug auf die</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:164.77pt\">Expansionsstrategie der BAWAG gelegt.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Potenzielle neue Risiken sowie regulatorische Entwicklungen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">werden beobachtet, um m\u00f6gliche Auswirkungen auf das</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:213.16pt\">Risikomanagement und die Strategie zu evaluieren.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Der Chief Risk Officer (CRO) der BAWAG ist gemeinsam mit</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">den relevanten Risikomanagementfunktionen f\u00fcr die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Umsetzung und Einhaltung der definierten Risikostrategie f\u00fcr</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">alle Risikoarten verantwortlich. Diese bilden die unabh\u00e4ngige</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:117pt\">Risikomanagementfunktion.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die folgenden Bereiche \u00fcberwachen die Umsetzung und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Durchf\u00fchrung der risikobezogenen Richtlinien (Stand</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:52.42pt\">31.12.2025):</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:168.61pt\">Enterprise Risk Management &amp; Analytics</span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:42.23pt\">Validation</span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:126.46pt\">Commercial Risk Management</span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:100.56pt\">Retail Risk Management</span><span class=\"f charStyle-34546584 ps7348\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:111.16pt\">Group Sustainability Office</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Dar\u00fcber hinaus ist die Abteilung Kreditrisiko-Reporting f\u00fcr das</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">interne und externe Reporting des Kreditrisikoportfolios sowie</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">f\u00fcr den Forecast von Risiko-KPIs inklusive Risikokosten des</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Konzerns sowie der Tochtergesellschaften verantwortlich. Die</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Abteilung ist dem Bereich Commercial Risk und dem Bereich</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Retail Risk Management (gemeinsame Berichterstattung)</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:46.15pt\"><span style=\"background-color:inherit\">unterstellt.</span></span><span class=\"f charStyle-5a2826df ps7349\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Ein wirksames Compliance- und Risikomanagement ist ein</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">entscheidender Aspekt f\u00fcr den Erfolg einer Bank. Neben den</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">herk\u00f6mmlichen Risikoarten gewinnt auch das gruppenweite</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Management von nicht-finanziellen Risiken sowie von</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Umwelt-, Sozial- und Unternehmensverantwortung</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">zunehmend an Bedeutung. Daher wurden ein ESG-</span></span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Rahmenwerk sowie eine korrespondierende ESG-Strategie</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">innerhalb der gruppenweiten (Risiko-)Organisation</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">implementiert, unter Ber\u00fccksichtigung regulatorischer</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Anforderungen und Implikationen aus der</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:125.09pt\"><span style=\"background-color:inherit\">Risikomaterialit\u00e4tsbewertung.</span></span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Die BAWAG f\u00f6rdert eine Risikokultur, die</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">nachhaltigkeitsbezogene Risiken, inklusive klima- und</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">umweltbezogene Risiken, ber\u00fccksichtigt. Als Teil der</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">konzernweiten Integration von Nachhaltigkeit wurden</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Verantwortlichkeiten in die jeweiligen Funktionen eingebettet,</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">was unsere Auffassung widerspiegelt, dass Nachhaltigkeit eher</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">ein integraler Bestandteil unseres Betriebsmodells, als eine</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">eigenst\u00e4ndige Einheit ist. Zu diesem Zweck hat die Gruppe</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">eine Governance-Struktur eingerichtet, um sicherzustellen,</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">dass die Identifizierung, Messung, Bewertung, das</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Management und die \u00dcberwachung von</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">nachhaltigkeitsbezogenen Risiken vollst\u00e4ndig \u00fcber alle</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Organisationseinheiten hinweg in das Risikomanagement-</span></span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Framework integriert ist, und kontinuierlich weiter entwickelt</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:21.33pt\"><span style=\"background-color:inherit\">wird:</span></span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Aufsichtsrat: Nachhaltigkeitsbezogene Risiken werden</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">sowohl im viertelj\u00e4hrlichen RCC als auch im regul\u00e4ren</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:130.51pt\"><span style=\"background-color:inherit\">Aufsichtsratsupdate behandelt.</span></span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Vorstand: Der Vorstand erh\u00e4lt zumindest viertelj\u00e4hrlich ein</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:209.93pt\"><span style=\"background-color:inherit\">Update zu den nachhaltigkeitsbezogenen Themen.</span></span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Group Sustainability Office: Dieser Bereich koordiniert</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Initiativen, Strategien, etc. im Bereich Nachhaltigkeit \u00fcber</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps956\" style=\"width:129.18pt\">alle Konzernfunktionen hinweg</span><span class=\"f charStyle-b1e544a7 ps2852\">ICAAP und Stresstest</span><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Der \u201eInternal Capital Adequacy Assessment Process\u201c (ICAAP)</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps952 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">bildet die zentral koordinierte Grundlage des</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Risikomanagements der BAWAG und umfasst Gesch\u00e4fts-,</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Finanz- und Risikoprozesse, die die Angemessenheit der</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Kapitalausstattung der BAWAG beurteilen und jederzeit</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps955 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">sicherstellen. Dazu geh\u00f6ren die Ber\u00fccksichtigung des</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Risikoprofils und die Qualit\u00e4t des Risikomanagements und des</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Kontrollumfelds. In \u00dcbereinstimmung mit dem ICAAP-</span></span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Leitfaden der EZB hat die BAWAG zwei ICAAP-Perspektiven</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">implementiert, die normative und die \u00f6konomische</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Perspektive, um die Kapitalad\u00e4quanz sowohl gem\u00e4\u00df den</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">aufsichtsrechtlichen Anforderungen als auch im</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Zusammenhang mit der \u00f6konomischen Perspektive \u00fcber einen</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">mehrj\u00e4hrigen Zeitraum f\u00fcr alle Risiken der BAWAG zu</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">beurteilen. Dabei werden in beiden Perspektiven dieselben</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:256.21pt\"><span style=\"background-color:inherit\">Stressszenarien (Basis- und Negativszenario) zugrunde gelegt.</span></span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:261.98pt\"><span style=\"background-color:inherit\">Die Ziele des ICAAP der BAWAG umfassen alle Prozesse und</span></span><span class=\"f charStyle-5a2826df ps1445\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:233.59pt\"><span style=\"background-color:inherit\">Ma\u00dfnahmen, um die folgenden Aspekte sicherzustellen:</span></span></div><div class=\"ps7352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">die angemessene Identifizierung, Beurteilung, Messung,</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:158.32pt\"><span style=\"background-color:inherit\">Bewertung und Steuerung von Risiken</span></span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">ein angemessenes internes Kapital im Verh\u00e4ltnis zum</span></span><span class=\"f charStyle-5a2826df ps1526\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:46.55pt\"><span style=\"background-color:inherit\">Risikoprofil</span></span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:148.91pt\"><span style=\"background-color:inherit\">eine angemessenes Liquidit\u00e4tsprofil</span></span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:242.2pt\"><span style=\"background-color:inherit\">die angemessene Qualit\u00e4t der internen Kapitalausstattung</span></span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">den Einsatz und die Weiterentwicklung von geeigneten</span></span><span class=\"f charStyle-5a2826df ps1526\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:118.99pt\"><span style=\"background-color:inherit\">Risikomanagementsystemen</span></span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Die konzernweiten ICAAP-Prozesse laufen in enger</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Abstimmung mit den Planungs- und Budgetierungsprozessen</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">und sind damit in das proaktive</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:173.61pt\"><span style=\"background-color:inherit\">Gesamtbankrisikomanagement integriert.</span></span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Auf j\u00e4hrlicher Basis wird im Rahmen eines Risk Self-</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Assessment (RSA) die Risikosituation der BAWAG quantitativ</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">und qualitativ bewertet. Alle im Zusammenhang mit der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Umsetzung der Gesch\u00e4ftsstrategie stehenden Risiken im</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Rahmen des RSAs werden hinsichtlich ihres Ausma\u00dfes sowie</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">ihrer Materialit\u00e4t und ihres Einflusses auf die BAWAG<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:39.41pt\">evaluiert.</span></div><div class=\"ps7354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-923e3646 ps185\"><span style=\"background-color:inherit\">Normative Perspektive</span></span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Die normative Perspektive beurteilt, ob die Gruppe</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">mittelfristig in der Lage ist, unter Anwendung</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">unterschiedlicher makro\u00f6konomischer Szenarien</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">(einschlie\u00dflich starker wirtschaftlicher Abschw\u00fcnge) alle</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">quantitativen regulatorischen und aufsichtsrechtlichen</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:112.34pt\"><span style=\"background-color:inherit\">Anforderungen zu erf\u00fcllen.</span></span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Im Rahmen der normativen Perspektive prognostiziert die</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps952 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">BAWAG alle wesentlichen Risiken \u00fcber einen mittelfristigen</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Zeitraum. Dies umfasst alle S\u00e4ule-I-Risiken (Kreditrisiko,</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Marktrisiko, Operationelles Risiko) sowie alle wesentlichen</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Risiken. Die BAWAG bewertet diese Risiken viertelj\u00e4hrlich</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps955 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">hinsichtlich ihrer Auswirkungen auf den Kapitalbedarf (RWA)</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">und die Rentabilit\u00e4t (P&amp;L) Die folgenden Risikoarten werden</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:118.33pt\"><span style=\"background-color:inherit\">betrachtet und quantifiziert:</span></span></div><div class=\"ps962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Kreditrisiko: Die Quantifizierung des Kreditrisikos basiert</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">auf dem regulatorischen Ansatz (Standardized, Advanced</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7355 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">und Foundation IRB) und wird in der Kapitalsicht (RWA)</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">ber\u00fccksichtigt. Verluste aus Kreditrisiken werden auch in</span></span><span class=\"f charStyle-5a2826df ps1526\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps966 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">der GuV-Sicht in Form von erwarteten Kreditverlusten</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps967 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:61.07pt\"><span style=\"background-color:inherit\">ber\u00fccksichtigt.</span></span><span class=\"f charStyle-5a2826df ps7356\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Einzelnamenkonzentrationsrisiko: betrifft wirtschaftliche</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7358 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Kreditnehmergruppen, die hinreichend relevant und daher</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7359 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">in Bezug auf den Kapitalverbrauch miteinander verbunden</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7360 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">sind und auf Einzelbasis \u00fcberwacht und gesteuert werden.</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Die wichtigsten Kapitalverbraucher werden im Rahmen des</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">adversen ICAAP-Szenarios zus\u00e4tzlich durch eine h\u00f6here</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7362 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:178.39pt\"><span style=\"background-color:inherit\">Ausfallswahrscheinlichhkeit ber\u00fccksichtigt.</span></span><span class=\"f charStyle-5a2826df ps7361\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Marktrisiko: Die Quantifizierung des Marktrisikos f\u00fcr das</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Handelsbuch basiert auf dem regulatorischen Ansatz und</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">wird in der Kapitalsicht (RWA) ber\u00fccksichtigt. Derzeit h\u00e4lt</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">die Gruppe keine Positionen im Handelsbuch. Die BAWAG</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">hat Zins\u00e4nderungsrisiken im Bankbuch und Credit-Spread-</span></span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Risiken als materielle Marktrisiken klassifiziert. Diese</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">finden entsprechend in der GuV-Sicht (Nettozinsertrag,</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:235.95pt\"><span style=\"background-color:inherit\">Bewertungsergebnis, sonstige Ertr\u00e4ge) Ber\u00fccksichtigung.</span></span><span class=\"f charStyle-5a2826df ps7363\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Operationelles Risiko: Die Quantifizierung des</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">operationellen Risikos erfolgt basierend auf dem</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Standardised Measurement Approach (SMA). Die</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Quantifizierung wird durch zus\u00e4tzliche Informationen</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">bereichert, wie etwa Risiken, die im RCSA-Prozess bewertet</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:182.76pt\">werden, historische Verluste und Szenarien.</span></div><div class=\"ps3933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">\u00d6konomische Perspektive</span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Die \u00f6konomische Perspektive stellt auf Basis eines</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">mehrj\u00e4hrigen Zeithorizonts alle wesentlichen und nicht</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">wesentlichen quantifizierbaren Risiken dem internen Kapital</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">gegen\u00fcber. F\u00fcr alle quantifizierbaren Risikokategorien und</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:16.52pt\"><span style=\"background-color:inherit\">\u00a0 \u00a0 \u00a0  </span></span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">-portfolios werden im Rahmen der Risikostrategie im Einklang</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">mit der j\u00e4hrlichen Budget- und Strategieplanung Limite</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">festgelegt. Die Einhaltung der Limite wird monatlich anhand</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">der tats\u00e4chlichen sowie prognostizierten Auslastung</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:47.21pt\"><span style=\"background-color:inherit\">\u00fcberwacht.</span></span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">In der \u00f6konomischen Perspektive werden die folgenden</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:227.01pt\"><span style=\"background-color:inherit\">Risikoarten betrachtet und entsprechend quantifiziert:</span></span><span class=\"f charStyle-5a2826df ps7364\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7365 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Kreditrisiko: Die Quantifizierung des Kreditrisikos basiert</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7366 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">auf statistischen Modellen unter Anwendung von IRB sowie</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7367 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">von IFRS 9 \u00fcber den gesamten Zyklus hinweg mit</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7368 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Ber\u00fccksichtigung konservativer Risikoparameter (PD und</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7369 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">LGD) f\u00fcr alle wesentlichen Portfoliosegmente. Dies umfasst</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7370 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">auch nicht konsolidierte Beteiligungen (PD- und LGD-</span></span></div><div class=\"ps7371 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Ansatz), Verbriefungen als Originator (einschlie\u00dflich</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7372 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Risikotransfer und PD des Garantiegebers) und</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Verbriefungen als Investor (Monte-Carlo-Simulation).</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Zus\u00e4tzliche Kapitalpositionen werden f\u00fcr Einzelnamen-</span></span></div><div class=\"ps962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Kreditrisikokonzentrationen und f\u00fcr das</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">fremdw\u00e4hrungsinduzierte Kreditrisiko vorgehalten. Um</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7355 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Verluste aufgrund einer Verschlechterung des</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Schuldnerratings abzudecken, hat die BAWAG</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps966 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:217.97pt\"><span style=\"background-color:inherit\">\u00f6konomisches Kapital f\u00fcr Migrationsrisiken alloziert.</span></span><span class=\"f charStyle-5a2826df ps7373\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps969 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:50.34pt\"><span style=\"background-color:inherit\">Marktrisiko:</span></span><span class=\"f charStyle-5a08618b ps7374\" style=\"width:4.59pt\"><span style=\"background-color:inherit\"> </span></span><span class=\"f charStyle-5a2826df ps7375\" style=\"width:192.95pt\"><span style=\"background-color:inherit\">Die Quantifizierung des Zins\u00e4nderungsrisikos</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">im Bankbuch und des Credit-Spread-Risikos in der</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7358 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">\u00f6konomischen Sichtweise erfolgt auf Basis von Value-at-</span></span></div><div class=\"ps7359 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Risk-Modellen. Andere Marktrisiken, wie das Fondsrisiko</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7360 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">oder das Fremdw\u00e4hrungsrisiko oder Aktienrisiko im</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Bankbuch, werden mit \u00e4hnlichen Value-at-Risk- oder</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:195.44pt\"><span style=\"background-color:inherit\">Worst-Case-Bewertungsmodellen quantifiziert.</span></span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Liquidit\u00e4tsrisiko: Die Quantifizierung des strukturellen</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Liquidit\u00e4tsrisikos erfolgt auf Basis aktueller Liquidit\u00e4tsgaps</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">unter Verwendung angenommener potenzieller</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Verschlechterungen der eigenen Refinanzierungskosten.</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">F\u00fcr das Marktliquidit\u00e4tsrisiko im Anlagebuch und das FX-</span></span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Basis-Spread-Risiko werden Quantifizierungsverfahren auf</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:212.84pt\"><span style=\"background-color:inherit\">Basis historischer Worst-Case-Analysen verwendet.</span></span><span class=\"f charStyle-5a2826df ps7376\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Nicht-finanzielles Risiko: Das nicht-finanzielle Risiko</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">umfasst das operationelle Risiko im engeren Sinne und</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">weitere Subrisiken wie das Rechtsrisiko, das Betrugsrisiko,</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">das Compliance-Risiko, Verhaltensrisiken, Informations-</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">und Kommunikationsrisiken (IKT-Risiken) einschlie\u00dflich</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Cyberrisiken, Modellrisiken, Abwicklungs- und</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Prozessrisiken, das Risiko gegen\u00fcber Dritten inklusive dem</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Outsourcing-Risiko, Risiken, die sich aus externen</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Ereignissen ergeben, und Risiken, die sich aus</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Besch\u00e4ftigungspraktiken und der Sicherheit am</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Arbeitsplatz ergeben, sowie das Reputationsrisiko. Die</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Quantifizierung des operationellen Risikos in der</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">\u00f6konomischen Perspektive basiert auf zwei Komponenten:</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Gesch\u00e4ftsindikatorkomponente (vereinfachte, f\u00fcr alle</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Institute einheitliche Berechnung des Jahresergebnisses f\u00fcr</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">die Messung des operationellen Risikos) und interner</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Verlustmultiplikator (Komponente mit bank-spezifischen</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">operationellen Verlustdaten); die beiden Komponenten</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">werden multipliziert, um die Kapitalanforderung f\u00fcr das</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">operationelle Risiko zu erhalten (Standardised</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:164.67pt\"><span style=\"background-color:inherit\">Measurement Approach gem. Basel IV).</span></span><span class=\"f charStyle-5a2826df ps7377\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:51.37pt\"><span style=\"background-color:inherit\">ESG-Risiken:</span></span><span class=\"f charStyle-5a08618b ps7378\" style=\"width:5.08pt\"><span style=\"background-color:inherit\"> </span></span><span class=\"f charStyle-5a2826df ps7379\" style=\"width:191.44pt\"><span style=\"background-color:inherit\">ESG-Risiken aus Kredit-, Markt,- Liquidit\u00e4ts-</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">und operationellen Risiken wurden explizite interne</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Kapitallimits basierend auf dem Assessment von ESG-</span></span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">Risiken in unserem Portfolio zugewiesen. Das ESG-Risiko ist</span></span><span class=\"f charStyle-5a2826df ps1526\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">insgesamt niedrig, da das Engagement in Branchen mit</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">hohem \u00dcbergangsrisiko wie dem Bereich fossiler</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Brennstoffe und nat\u00fcrlicher Ressourcen gering ist und</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:159.5pt\"><span style=\"background-color:inherit\">physische Risiken gemanaged werden.</span></span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Sonstige Risiken: Diese Risikokategorie inkludiert das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Immobilienrisiko, das Gesch\u00e4ftsrisiko, das Pensionsrisiko,</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">das systemische Risiko, das Risiko einer \u00fcberm\u00e4\u00dfigen</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Verschuldung, das makro\u00f6konomische Risiko, das</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Kapitalrisiko und das Versicherungsrisiko. Im Allgemeinen</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">wird das erforderliche \u00f6konomische Kapital f\u00fcr das</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Immobilienrisiko, das systemische Risiko, das Risiko einer</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">\u00fcberm\u00e4\u00dfigen Verschuldung und das Kapitalrisiko mittels</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">vereinfachten Value-at-Risk(VaR)-Modells mit einem</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Konfidenzniveau von 99,9% basierend auf den historischen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">j\u00e4hrlichen Verlusten, dem erwarteten durchschnittlichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Verlust f\u00fcr das jeweilige Gesch\u00e4ftsjahr und der erwarteten</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Schwankungsbreite quantifiziert. W\u00e4hrend das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1534 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Pensionsrisiko mit einer vereinfachten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1535 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Quantifizierungsmethode (basierend auf</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Expertensch\u00e4tzung und historischen Beobachtungen)</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">berechnet wird, wird kein zus\u00e4tzliches Kapital f\u00fcr das</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">makro\u00f6konomische Risiko bereitgestellt, da</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">makro\u00f6konomische Faktoren bei der Quantifizierung der</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">einzelnen Risikotypen unter Anwendung von validierten</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Modellen ber\u00fccksichtigt werden. Dar\u00fcber hinaus wird das</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Gesch\u00e4ftsrisiko auf verschiedenen Ebenen innerhalb der</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Gruppe abgedeckt (mehrj\u00e4hrige ICAAP \u00f6konomische und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">normative Perspektive, monatlicher MB-Bericht [Plan vs.</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Ist] usw.), daher w\u00fcrde eine zus\u00e4tzliche Kapitalallokation zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">einer Doppelunterlegung f\u00fchren. Das Versicherungsrisiko</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:137.08pt\">ist f\u00fcr die BAWAG nicht relevant.</span><span class=\"f charStyle-34546584 ps7380\" style=\"width:2.36pt\"> </span></div><div class=\"ps7382 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps2\">S</span><span class=\"f charStyle-b1e544a7 ps7381\">tresstests</span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Stresstests sind ein wichtiges Instrument des</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1059 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Risikomanagements, das sowohl f\u00fcr die Beurteilung der</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Gesch\u00e4ftsstrategie als auch f\u00fcr das operative</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Risikomanagement, wie z.B. die Risikoidentifizierung, die</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Risikobereitschaft und die Festlegung von Limiten, von Nutzen</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:12.46pt\"><span style=\"background-color:inherit\">ist.</span></span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Stresstests identifizieren potenzielle Schwachstellen des</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Gesch\u00e4ftsmodells und bewerten, ob f\u00fcr diese ausreichend</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">internes Kapital vorgehalten wird. Sie stellen sicher, dass die</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Gesch\u00e4ftsplanung nicht nur die erwartete wirtschaftliche</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Entwicklung ber\u00fccksichtigt, sondern Entwicklungen in einem</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262pt\"><span style=\"background-color:inherit\">stark negativen Umfeld in die Beurteilung mit einbezieht. Die</span></span><span class=\"f charStyle-5a2826df ps167\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Kapital- und Liquidit\u00e4tsniveaus, die unter solchen</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Stresssituationen getestet werden, dienen als Grundlage f\u00fcr</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">die Portfoliooptimierung, um m\u00f6gliche negative</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Entwicklungen zu begrenzen und eine ausreichende</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:144.43pt\"><span style=\"background-color:inherit\">Kapitalausstattung sicherzustellen.</span></span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Stresstests (inklusive der Ber\u00fccksichtigung beider ICAAP-</span></span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Perspektiven) sind vollst\u00e4ndig im gruppenweiten strategischen</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Risikomanagement, im Kapitalmanagement und in den</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps955 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:174.75pt\"><span style=\"background-color:inherit\">Planungsprozessen der BAWAG integriert.</span></span><span class=\"f charStyle-5a2826df ps7383\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Die Methodik und die Resultate der beiden ICAAP-</span></span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Perspektiven sowie der Stresstests werden quartalsweise im</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:261.99pt\"><span style=\"background-color:inherit\">ICAAP &amp; Stress Testing Committee (ISTC) besprochen und in</span></span><span class=\"f charStyle-5a2826df ps249\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">weiterer Folge an das Enterprise Risk Management berichtet.</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Das ERM ist f\u00fcr die Beurteilung der Ergebnisse verantwortlich,</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">um, falls notwendig, Korrekturma\u00dfnahmen bez\u00fcglich des</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Risikoappetits oder der Gesch\u00e4ftsstrategie zu definieren. Der</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Entwurf und die Genehmigung makro\u00f6konomischer Szenarien</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">f\u00fcr interne Stresstests werden an das Macroeconomic</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Scenario Committee (MSC) delegiert, das viertelj\u00e4hrlich vor</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">der Sitzung des ICAAP &amp; Stress Testing Committee (ISTC)</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:46.59pt\"><span style=\"background-color:inherit\">stattfindet.</span></span></div><div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Die Abh\u00e4ngigkeiten zwischen den beiden ICAAP-Perspektiven,</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">den Stresstests und der Kapitalsteuerung sind formal im</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:181.72pt\"><span style=\"background-color:inherit\">Rahmen der internen Governance definiert.</span></span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Die im Rahmen der Eigenkapitalplanung festgelegten und vom</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Capital Management Meeting monatlich \u00fcberwachten</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Kapitalquoten dienen als Vergleichsgr\u00f6\u00dfe f\u00fcr die normative</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Perspektive sowie f\u00fcr die Stresstests. Der Kapitalnotfallplan</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">wurde ausgearbeitet, um extreme Stressszenarien zu</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">ber\u00fccksichtigen. Im Rahmen der normativen Perspektive sowie</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">der Stresstests bewertet das Management, ob die</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262pt\"><span style=\"background-color:inherit\">Kapitalquoten unter Stress \u00fcber den Recovery Levels bleiben.</span></span><span class=\"f charStyle-5a2826df ps186\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262pt\"><span style=\"background-color:inherit\">Im Falle einer Verletzung der Recovery Levels sind</span></span><span class=\"f charStyle-5a2826df ps186\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Ma\u00dfnahmen zur ad\u00e4quaten Verbesserung der</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Kapitalausstattung zu treffen, um die Kapitalquoten auch in</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:226.19pt\"><span style=\"background-color:inherit\">einem Stressszenario \u00fcber den Recovery Levels zu halt</span></span><span class=\"f charStyle-34546584 ps7384\" style=\"width:13.04pt\">en.</span></div><span class=\"f charStyle-b1e544a7 ps2895\">Kreditrisiko</span><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Das Kreditrisiko umfasst das Kreditausfallrisiko, welches den</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1059 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">teilweisen oder kompletten Verlust einer Forderung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">gegen\u00fcber einem Kunden bedeutet, wenn dieser nicht zahlen</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">kann oder will. Neben dem Kreditausfallrisiko sind auch das</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kreditkonzentrationsrisiko, das Kreditmigrationsrisiko, das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Devisenkreditrisiko, das Restrisiko aus</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kreditmigrationsrisikotechniken sowie das L\u00e4nderrisiko</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:125.28pt\">Bestandteile des Kreditrisikos.</span><span class=\"f charStyle-34546584 ps7385\" style=\"width:2.36pt\"> </span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Die BAWAG hat hohe Standards in Bezug auf</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kreditrisikoprozesse und -methoden definiert. Das Augenmerk</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">der Risikoorganisation liegt vor allem auf der st\u00e4ndigen</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Weiterentwicklung der Risikoquantifizierungsmethoden. F\u00fcr</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">alle Subportfolien gelten spezifische Standards, die regelm\u00e4\u00dfig</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">modelliert, \u00fcberwacht, statistisch kalibriert und validiert</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:34.28pt\">werden.</span></div><div class=\"ps1070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps185\">Governance</span></div><div class=\"ps1071 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Im Rahmen des Kreditrisikomanagements besteht eine</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1072 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">funktionale Spezialisierung f\u00fcr die Kundensegmente Kommerz-</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1073 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">und Institutionelle Kunden (Commercial Credit Risk</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1074 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Management) sowie Privat- und Gesch\u00e4ftskunden (Retail Risk</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1075 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Management). Das Credit Approval Committee (CAC), ein</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1076 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">spezielles Gremium auf Vorstandsebene, ist f\u00fcr die Bewilligung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1077 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">von Kreditantr\u00e4gen im Rahmen der Befugnisse, die in der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1078 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kompetenz- und Pouvoirordnung festgelegt sind,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7386 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">verantwortlich. Die Berechnung und Aggregation der einzelnen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1079 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Risikoindikatoren (z.B. NPL-Quote, Risikokosten,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1080 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Deckungsquoten etc.) f\u00fcr das definierte regelm\u00e4\u00dfige Reporting</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1081 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">erfolgt in einem einheitlichen Prozess in der Verantwortung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1082 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:147.79pt\">der Abteilung Kreditrisikoreporting.</span><span class=\"f charStyle-34546584 ps7387\" style=\"width:2.36pt\"> </span></div><div class=\"ps1084 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:186.17pt\">Kernziele des Kreditrisikomanagements sind:</span></div><div class=\"ps7388 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Gezielte \u00dcbernahme von Kreditrisiken in \u00dcbereinstimmung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7389 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:148.51pt\">mit dem genehmigten Risikoappetit</span></div><div class=\"ps7390 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">\u00dcberwachung von Kreditrisiken \u00fcber den gesamten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7391 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:54.21pt\">Lebenszyklus</span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Zeitnahe Identifizierung, Bewertung, Messung und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:113.47pt\">Reporting von Kreditrisiken</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Diese Ziele und Prinzipien des Kreditrisikomanagements</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:155.73pt\">werden operativ wie folgt umgesetzt:</span><span class=\"f charStyle-34546584 ps7392\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Disziplinierte Kreditvergabe in gut etablierten M\u00e4rkten mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Schwerpunkt auf besicherte Kredite oder Kunden, die \u00fcber</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">den gesamten Kreditzyklus hinweg \u00fcber eine sehr gute</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:72.37pt\">Bonit\u00e4t verf\u00fcgen.</span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Kreditrisiken werden in Abh\u00e4ngigkeit vom zugrunde</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">liegenden Risikoprofil in unterschiedlichen</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Organisationseinheiten gemanagt. Unternehmenskredite</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">werden durch Experten evaluiert, die umfangreiches Know-</span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">how \u00fcber die jeweils zugrundeliegende Branche haben,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">w\u00e4hrend Privatkundenkredite unter Zuhilfenahme</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">quantitativer Analysen und Ratingmodelle auf</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:141.24pt\">Segmentebene gesteuert werden.</span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Ein entsprechendes Fr\u00fchwarn-, Betreibungs- und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Abwicklungssystem sowie Kreditrisikoreporting stellt</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">sicher, dass Kreditrisiken auf Einzelschuldnerebene so fr\u00fch</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">wie m\u00f6glich identifiziert und geeignete Ma\u00dfnahmen zur</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:144.78pt\">Risikominderung ergriffen werden.</span></div><div class=\"ps7393 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Bonit\u00e4tsbeurteilung</span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Kreditw\u00fcrdigkeit von Privat- und Gesch\u00e4ftskunden wird</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zus\u00e4tzlich zu den klar definierten Kreditvergaberichtlinien \u00fcber</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">automatisierte Scoringverfahren bewertet. Diese bestehen aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">einem Antragsscoring, das auf statistischen Modellen beruht,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">sowie einem Verhaltensscoring, dem die Kontogestion des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps952 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kunden zugrunde liegt. Zus\u00e4tzlich werden externe</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Informationen (wie z.B. Wirtschaftsauskunftei) ber\u00fccksichtigt.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Auf dieser Basis wird eine monatlich aktualisierte</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:173.64pt\">Bonit\u00e4tseinsch\u00e4tzung der Kunden erstellt.</span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Neben der Bonit\u00e4tsbeurteilung werden auch der erwartete</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verlust bei Ausfall (LGD) sowie die erwartete Ausnutzung des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Off-Balance-Exposures zum Ausfallszeitpunkt (Credit</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Conversion Factor, CCF) f\u00fcr Privat- und Gesch\u00e4ftskunden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">gesch\u00e4tzt. Die Sch\u00e4tzung, welche auf historischen Daten des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beobachteten Kundenverhaltens basiert, wird anhand</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:254.42pt\">qualifizierter statistischer Methoden und Modelle berechnet.</span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Vor \u00dcbernahme neuer kommerzieller Risiken bzw. der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ausweitung bestehender Positionen erfolgt eine</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bonit\u00e4tsanalyse der Kreditnehmer auf Basis eines dem<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Kundensegment entsprechenden internen Ratingverfahrens.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Dabei st\u00fctzen sich die Ratingverfahren grunds\u00e4tzlich auf ein</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps972 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">breites Spektrum quantitativer und qualitativer Faktoren. Die<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">auf diese Weise ermittelte Risikoeinstufung wird auf einer</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">einheitlichen Masterskala abgebildet und jedem Kunden als</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:254.21pt\">individuell gesch\u00e4tzte Ausfallswahrscheinlichkeit zugeordnet.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Um Risikokonzentrationen auf Kunden- und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundengruppenebene aufzuzeigen, werden Limite f\u00fcr die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Forderungsh\u00f6hen definiert, \u00fcberwacht und regelm\u00e4\u00dfig an</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:151.33pt\">Vorstand und Aufsichtsrat berichtet.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Basierend auf der zentralen Struktur und Ausrichtung der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Risikomanagementprozesse der BAWAG k\u00f6nnen neue</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">regulatorische Risikovorschriften oder eine ver\u00e4nderte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Marktsituation in den Risikomanagementstrategien kurzfristig</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:80.74pt\">abgebildet werden.</span></div><div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps2\">\u00dcbersicht</span><span class=\"f charStyle-b1e544a7 ps7397\"> \u00fcber das gesamte Kreditportfolio</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die nachfolgenden Abschnitte geben einen \u00dcberblick \u00fcber die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Struktur und die Portfolioqualit\u00e4t des gesamten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:228.91pt\">Kreditrisikoportfolios und in den einzelnen Segmenten.</span></div><div class=\"ps4242 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps7398\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps7399\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">38.679<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">13.938<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.653<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-457<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">54.814<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">38.679<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">12.312<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">214<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-457<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Forderungen an Banken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">404<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">452<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.579<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.035<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.613<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte FVPL/FVOCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">131<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">227<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.105<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.683<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">14.184<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-93<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">14.093<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Bilanzielle Gesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.942<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-330<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">70.590<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2683 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Au\u00dferbilanzielle Gesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.357<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">455<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.977<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2689 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">54.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">16.308<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.965<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">88.568<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2262 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">davon besichert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">30.292<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2696 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.986<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2697 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">324<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">196<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.798<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2265 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">davon NPL (Bruttosicht)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7400 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7401 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2266 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2267 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">680<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2096 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">88<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2102 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">99<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps751 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">98<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2699 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">294<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">307<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2705 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2706 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2707 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2708 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2709 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2710 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2784 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe der Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6787 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">469<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">31<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2785 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2786 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2787 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Prudential Filter<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6792 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6793 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6794 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"11\" style=\"border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7403 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps7398\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps7399\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">33.948<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">13.251<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.553<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-345<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">49.407<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">33.948<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">11.735<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">160<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-348<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">45.495<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Forderungen an Banken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">770<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">830<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.457<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.623<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.081<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte FVPL/FVOCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">151<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">88<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.768<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">335<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.342<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.561<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.604<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Bilanzielle Gesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">21.882<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">69.353<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2683 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Au\u00dferbilanzielle Gesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.884<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.295<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">30<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">748<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.958<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2689 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">40.989<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">15.634<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">21.912<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">775<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">79.311<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2262 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">davon besichert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">29.953<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2696 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.595<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2697 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">438<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.122<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2265 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">davon NPL (Bruttosicht)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7400 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">494<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7401 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">107<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2266 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2267 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">601<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2096 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2102 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps751 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">61<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2699 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">219<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">242<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2705 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2706 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2707 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2708 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2709 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2710 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2784 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe der Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6787 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">330<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2785 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2786 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">368<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2787 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Prudential Filter<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6792 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">33<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6793 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6794 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"11\" style=\"border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:330pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:64.5pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Regulatorische Sicht unter Anwendung des CRR-Konsolidierungskreises</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss529\"><div><div class=\"ps1091 ss528\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7407 ss531\"><div><div class=\"ps281 ss530\"><span class=\"f charStyle-c5fdbd46 ps7406\">Gesamtportfolio</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss529\"><div><div class=\"ps4211 ss528\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss528\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7409 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps7408\">Bruttobuchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7411 ss453\"><div><div class=\"ps281 ss103\"><span class=\"f charStyle-37455c2a ps7410\">Wertberichtigung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7412 ss533\"><div><div class=\"ps281 ss532\"><span class=\"f charStyle-37455c2a ps5393\">Nettobuchwert<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7413 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">56.636<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7415 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps7414\">-474<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7417 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-0b080fec ps7416\">56.172<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps858 ss536\"><div><div class=\"ps40 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7418 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-0b080fec ps3049\">227<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7419 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-0b080fec ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7421 ss537\"><div><div class=\"ps40 ss532\"><span class=\"f charStyle-0b080fec ps7420\">227<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps862 ss538\"><div><div class=\"ps40 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7422 ss539\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-0b080fec ps6346\">1.266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7424 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-0b080fec ps7423\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7426 ss540\"><div><div class=\"ps1717 ss532\"><span class=\"f charStyle-0b080fec ps7425\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6839 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7427 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7428 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7423\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7430 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7429\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7431 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7432 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7433 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7435 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7434\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7436 ss536\"><div><div class=\"ps40 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7437 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7438 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7439 ss537\"><div><div class=\"ps40 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7434\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3594 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7440 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7441 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7442 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7434\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1355 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7443 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">55.143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7444 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps7414\">-473<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7445 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-0b080fec ps7416\">54.670<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps746 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7446 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">52.234<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7448 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7447\">-85<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7450 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7449\">52.149<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3598 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7451 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.049<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7452 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7447\">-95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7453 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7429\">1.954<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3600 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7454 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">610<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7455 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7414\">-302<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7456 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7420\">307<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7457 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7458 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7460 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7459\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7461 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7420\">260<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps5437 ss541\"><div><div class=\"ps7462 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">Diese Tabelle enth\u00e4lt keine Eigenkapitalinstrumente (aufsichtsrechtliche Definition und nicht in CRR konsolidierte carrying amounts).</span></div><div class=\"ps7463 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">Der Nettobuchwert enth\u00e4lt in der Position Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte die Fair-Value-Bewertung.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7512 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:327.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss543\"><div><div class=\"ps1091 ss542\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7465 ss387\"><div><div class=\"ps281 ss386\"><span class=\"f charStyle-c5fdbd46 ps7464\">Gesamtportfolio</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss543\"><div><div class=\"ps4211 ss542\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss542\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7467 ss453\"><div><div class=\"ps281 ss103\"><span class=\"f charStyle-37455c2a ps7466\">Bruttobuchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7469 ss241\"><div><div class=\"ps281 ss234\"><span class=\"f charStyle-37455c2a ps7468\">Wertberichtigung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6331 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps3607\">Nettobuchwert<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7470 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6424\">51.601<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7472 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-0b080fec ps7471\">-349<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7473 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">51.260<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps858 ss545\"><div><div class=\"ps40 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7474 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-0b080fec ps6420\">279<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7476 ss546\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-0b080fec ps7475\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7477 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-0b080fec ps3049\">279<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps862 ss547\"><div><div class=\"ps40 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7478 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-0b080fec ps6426\">1.762<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7480 ss243\"><div><div class=\"ps1717 ss234\"><span class=\"f charStyle-0b080fec ps7479\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7481 ss539\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-0b080fec ps6346\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6839 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7482 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">1.762<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7483 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7479\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7484 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7431 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7485 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7486 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7475\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7487 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7436 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7488 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7489 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7475\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7490 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5277 ss545\"><div><div class=\"ps40 ss542\"><span class=\"f charStyle-37455c2a ps621\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7491 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7492 ss546\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7475\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7493 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1355 ss545\"><div><div class=\"ps40 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7494 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-0b080fec ps6424\">49.560<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7495 ss546\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-0b080fec ps7471\">-348<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7496 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-0b080fec ps3070\">49.212<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps647 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7497 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">47.046<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7499 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7498\">-49<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7500 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">46.997<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps654 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7501 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">1.903<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7502 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7498\">-59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7503 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.844<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps659 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7504 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6420\">558<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7505 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7471\">-231<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7506 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">327<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps665 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7507 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6418\">54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7508 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7479\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7509 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:24pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps672 ss548\"><div><div class=\"ps7510 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">Diese Tabelle enth\u00e4lt keine Eigenkapitalinstrumente (aufsichtsrechtliche Definition und nicht in CRR konsolidierte carrying amounts).</span></div><div class=\"ps7511 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">Der Nettobuchwert enth\u00e4lt in der Position Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte die Fair-Value-Bewertung.</span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">\u00dcberblick \u00fcber Struktur des Kreditportfolios-</span></div><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Ratings, Geografie, W\u00e4hrungen und </span></div><div class=\"ps2830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Sicherheiten</span></div><div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Ratingverteilung des Kreditportfolios</span></div><div class=\"ps2854 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Die Die folgende Tabelle zeigt die Verteilung der Ratings f\u00fcr</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2855 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">das Performing-Portfolio. Insgesamt verbesserte sich das</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Risikoprofil vor allem in den Bereichen Corporates, Real Estate</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">&amp; Public Sector, w\u00e4hrend der Vertrieb im Retail &amp; SME-Bereich</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">den Erwartungen nach der Integration der Barclays Consumer</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:197.24pt\">Bank Europe im ersten Quartal 2025 entsprach.</span><span class=\"f charStyle-34546584 ps7513\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:2.36pt\"> </span></div><div class=\"ps7514 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">Moody\u2019s </span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">Rating </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00c4quivalent</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps7398\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps7399\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Aaa\u2013Aa2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">29,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">90,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">28,8%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Aa3\u2013A1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">10,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">21,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">4,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">A2\u2013A3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">22,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">7,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">14,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Baa1\u2013Baa3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">41,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">29,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">3,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">29,6%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Ba1\u2013B1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">18,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">12,5%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">B2\u2013Caa2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,6%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Caa3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">3,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,1%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7515 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">Moody\u2019s </span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">Rating </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00c4quivalent</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps7398\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps7399\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Aaa\u2013Aa2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">24,6%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">87,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">32,8%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Aa3\u2013A1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">16,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">4,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">9,9%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">A2\u2013A3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">19,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">9,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,8%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Baa1\u2013Baa3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">49,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">37,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">4,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">33,0%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Ba1\u2013B1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">13,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">9,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">B2\u2013Caa2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Caa3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">4,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,1%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Geografische Verteilung des Kreditportfolios</span></div><div class=\"ps7517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die geografische Verteilung des Kreditportfolios steht im</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Einklang mit der Strategie der BAWAG, die sich auf stabile</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps7519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Volkswirtschaften und W\u00e4hrungen, mit einem Bilanzanteil von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps7516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">78% (2024: 79%) in \u00d6sterreich, Deutschland und den</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Niederlanden durch die Integration von Barclays Consumer</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:158.81pt\">Bank Europe in Q1 2025, konzentriert.</span></div><div class=\"ps7533 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">Geografische Verteilung des Kreditportfolios<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">25.765<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">29.592<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">36%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">43%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Niederlande<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">19.579<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">19.625<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">28%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">28%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">9.699<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.915<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">14%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">9%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Nordamerika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">9.179<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.245<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">13%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">10%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Irland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.139<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.320<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Frankreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.803<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.562<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">2%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4227 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.426<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.093<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2260 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">4%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7530 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">70.590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7531 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">69.353<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2771 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2772 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">W\u00e4hrungsverteilung des Kreditportfolios</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Konsistent mit der strategischen Ausrichtung der BAWAG blieb</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Gro\u00dfteil der Finanzierungen in EUR stabil. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">W\u00e4hrungsverteilung des gesamten Kreditportfolios setzt sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:86.22pt\">wie folgt zusammen:</span></div><div class=\"ps7220 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">60.164<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">60.374<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">85,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">87,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">9.041<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.239<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">12,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">10,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4022 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">656<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">697<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,9%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps315 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">285<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps316 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">538<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps319 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps321 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">444<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps322 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">506<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps323 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps324 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps326 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps627 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">70.590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps628 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">69.353<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps629 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps630 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sicherheiten im Gesamtkreditportfolio und Bewertung von </span></div><div class=\"ps4352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sicherheiten</span></div><div class=\"ps7537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die untenstehende \u00dcbersicht \u00fcber die Sicherheitenarten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">veranschaulicht den hohen Anteil an privaten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4354 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:262.04pt\">Immobiliensicherheiten, welcher sich auf 83% (2024: 84%) am</span><span class=\"f charStyle-e63b9797 ps171\" style=\"width:2.11pt\"> </span></div><div class=\"ps7539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:132.36pt\">gesamten Kreditportfolios bel\u00e4uft</span><span class=\"f charStyle-34546584 ps7538\" style=\"width:2.62pt\">.</span></div><div class=\"ps7541 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio</span><span class=\"f charStyle-32bf9c18 ps7540\">. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">30.473<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">29.906<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">69,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">69,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon private Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">25.390<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">24.980<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">83,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">83,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon gewerbliche Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.083<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.926<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">16,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">16,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Garantien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">8.929<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.682<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">20,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">22,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Kreditsicherheiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.499<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">4,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">3,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Sicherheiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps456 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.797<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps457 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.763<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">6,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">4,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps462 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">43.956<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps463 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">42.850<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Gesch\u00e4ftsstrategie der BAWAG fokussiert sich auf die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzierung von besicherten Krediten, wann immer dies</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">m\u00f6glich ist. Sicherheiten dienen als wesentliche Unterst\u00fctzung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">f\u00fcr die Kreditvergabe und wirken verlustmindernd bei Ausfall</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">des Schuldners, wobei beim Entscheidungsprozess neben der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Qualit\u00e4t und Verwertbarkeit der Sicherheiten die Leistbarkeit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:227.34pt\">f\u00fcr den Kreditnehmer jedenfalls im Vordergrund steht.</span></div><div class=\"ps7549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Alle angenommenen Sicherheiten sind im Konzern-</span></div><div class=\"ps7550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Sicherheitenkatalog festgehalten, wo auch die Grundlagen f\u00fcr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">die Bewertung und Neubewertung von Sicherheiten definiert</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sind. Hier wird neben allen grunds\u00e4tzlich akzeptierten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kombinationen von G\u00fctern (Eigenschaften des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Wirtschaftsguts) und Sicherheiten (Rechtstitel der Bank) auch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">definiert, welcher Wert (Marktwert, Nominalwert etc.)</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">heranzuziehen ist. Das Enterprise-Risk-Management-Komitee</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">entscheidet, welche Sicherheiten \u2013 unter Ber\u00fccksichtigung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">der\u00a0entsprechenden Haircuts \u2013 kreditrisikomindernd</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7561 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:125.6pt\">herangezogen werden d\u00fcrfen.</span></div><div class=\"ps7562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:173.59pt\">Folgende Sicherheiten werden akzeptiert:</span></div><div class=\"ps7563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:226.62pt\">Wohnimmobilien und gewerblich genutzte Immobilien</span></div><div class=\"ps7564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Sonstige Kreditsicherheiten: Fahrzeuge und sonstige</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">physische Sicherheiten (derzeit keine Verwendung zur</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Kreditrisikominimierung), Verpf\u00e4ndung oder Abtretung von</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:93.05pt\">Lebensversicherungen</span></div><div class=\"ps7568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Finanzgarantien: finanzielle Sicherheiten, Wertpapiere und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7569 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:140.41pt\">Bareinlagen beim eigenen Institut</span></div><div class=\"ps7570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Kreditverbesserungen: Garantien und Mitverpflichtungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">(NHG-Garantien f\u00fcr Immobilienhypotheken in den</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7572 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Niederlanden bieten eine zus\u00e4tzliche Garantie f\u00fcr</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7573 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:136.79pt\">Risikominderungsberechnungen)</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Um als Kreditrisikominderung zu dienen, m\u00fcssen Sicherheiten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">alle gesetzlichen und regulatorischen Anforderungen erf\u00fcllen,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">welche wiederum in gruppenweiten, internen Policies</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">definiert sind. Um l\u00e4nderspezifischen Besonderheiten bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kreditsicherheiten Rechnung zu tragen, gibt es zus\u00e4tzlich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">regionale Handb\u00fccher f\u00fcr die einzelnen T\u00f6chter bzw.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Niederlassungen. Zumindest j\u00e4hrlich erfolgt eine \u00dcberpr\u00fcfung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">dieser Policies. Allf\u00e4llige Ausnahmen zu den internen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Regelungen m\u00fcssen begr\u00fcndet, gesondert beantragt und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:112.86pt\">explizit genehmigt werden.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Wertermittlung f\u00fcr inl\u00e4ndische Wohnimmobilien erfolgt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">zentral durch Experten f\u00fcr die Bewertung von Immobilien</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">unter Anwendung standardisierter Methoden sowie unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zuhilfenahme eines Bewertungstools. Die Sch\u00e4tzung von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Immobilien in anderen L\u00e4ndern erfolgt ebenfalls durch</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">unabh\u00e4ngige Fachleute nach internationalen Standards. Die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">turnusm\u00e4\u00dfige \u00dcberpr\u00fcfung bzw. Aktualisierung der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wohnimmobilienwerte erfolgt automationsgest\u00fctzt auf Basis</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">des Immobilienpreisindex des Fachverbands der Immobilien-</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und Verm\u00f6genstreuh\u00e4nder der Wirtschaftskammer \u00d6sterreich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">f\u00fcr \u00f6sterreichische Objekte, mittels</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Marktschwankungsmethode bei in Deutschland gelegenen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Immobilien, sowie mit Hilfe der entsprechenden lokalen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Immobilienpreisindices in den L\u00e4ndern, in denen sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:226.19pt\">Immobiliensicherheiten der BAWAG-Gruppe befinden.</span><span class=\"f charStyle-34546584 ps7574\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gewerbeimmobilien werden von Sachverst\u00e4ndigen f\u00fcr die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bewertung von Gewerbeimmobilien oder von ausgew\u00e4hlten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">externen Gutachtern im Auftrag des Konzerns bzw. eines</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Konsortialpartners individuell nach erfolgter Vor-Ort-</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:211.89pt\">Besichtigung und voller Befundaufnahme bewertet</span><span class=\"f charStyle-34546584 ps7575\" style=\"width:2.62pt\">.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Forborne-Forderungen, Forbearance-Ma\u00dfnahmen und </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Unlikeliness to pay</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Forbearance-Ma\u00dfnahmen k\u00f6nnen zur Anwendung kommen,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">wenn Kunden aufgrund finanzieller Schwierigkeiten nicht in</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">der Lage sind, den vereinbarten Vertragsbedingungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">nachzukommen. Die BAWAG verf\u00fcgt hierbei \u00fcber klar</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">festgelegte und transparente Prozesse in der gesamten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gruppe, in deren Rahmen Vertragsanpassungen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">vorgenommen werden k\u00f6nnen. In Abh\u00e4ngigkeit vom</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kundensegment umfasst der Ma\u00dfnahmenkatalog die zeitlich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">befristete Stundung oder Reduzierung von Zinszahlungen oder</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kapitalraten, die Restrukturierung von Kapitalfazilit\u00e4ten oder</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">sonstige Forbearance-Ma\u00dfnahmen. In Ausnahmef\u00e4llen werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zeitlich begrenzte oder permanente Reduzierungen des</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:81.35pt\">Zinssatzes gew\u00e4hrt.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Stundungs- und Refinanzierungsma\u00dfnahmen dienen zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">effektiven Risikoreduzierung und Ausfallvermeidung bei</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">ausfallgef\u00e4hrdeten Krediten, sofern erwartet wird, dass damit</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ein Ausfall verhindert werden kann. Jedoch werden diese</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ma\u00dfnahmen keinesfalls daf\u00fcr benutzt, einen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">unausweichlichen Ausfall zu verschieben oder das Ausma\u00df des</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.23pt\">Kreditrisikos aus gestundeten Forderungen zu verschleiern.</span><span class=\"f charStyle-34546584 ps7576\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Durch zeitlich und im Umfang abgestimmte Zugest\u00e4ndnisse in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Form von Vertragsanpassungen unterst\u00fctzt die BAWAG</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kunden in Zahlungsschwierigkeiten. Sofern diese</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">unterst\u00fctzenden Ma\u00dfnahmen ohne Erfolg bleiben, werden</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Forderungen an Kunden in \u00dcbereinstimmung mit aufsichts-</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:248.12pt\">und bilanzrechtlichen Standards als ausgefallen klassifiziert.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">F\u00fcr Reportingzwecke sowie f\u00fcr die interne Risikosteuerung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">verf\u00fcgt die BAWAG \u00fcber Prozesse und Methoden in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Anwendung regulatorischer Standards zur Identifikation von</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Forderungen, f\u00fcr die Stundungs- bzw. sonstige Forbearance-</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ma\u00dfnahmen gew\u00e4hrt wurden. Diese werden als \u201eForborne\u201c</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:67.94pt\">gekennzeichnet.</span></div><div class=\"ps7594 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:54.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss551\"><div><div class=\"ps7577 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps7578 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss552\"><div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7579\">Gestundete <span class=\"f ps37\"> </span></span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss552\"><div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7582\">Davon <span class=\"f ps37\"> </span></span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps7583\">ausgefallen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss552\"><div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps7584\">% der <span class=\"f ps37\"> </span></span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss552\"><div><div class=\"ps7588 ss151\"><span class=\"f charStyle-37455c2a ps7587\">Besicherungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps7589\">quote der </span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss552\"><div><div class=\"ps7590 ss151\"><span class=\"f charStyle-37455c2a ps7587\">Besicherungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps7588 ss151\"><span class=\"f charStyle-37455c2a ps7589\">quote der </span></div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps4376\">ausgefallenen </span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">382<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">90<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7591\"></span><span class=\"ps7591\">1,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">63%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">69%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3333 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">438<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7591\"></span><span class=\"ps7591\">3,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">65%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3548 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">42%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">820<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">110<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7593\"></span><span class=\"ps7593\">1,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7592\"></span><span class=\"ps7592\">64%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3549 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7592\"></span><span class=\"ps7592\">64%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7595 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:54.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss551\"><div><div class=\"ps7577 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps7578 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss552\"><div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7579\">Gestundete <span class=\"f ps37\"> </span></span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss552\"><div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7582\">Davon <span class=\"f ps37\"> </span></span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps7583\">ausgefallen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss552\"><div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps7584\">% der <span class=\"f ps37\"> </span></span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss552\"><div><div class=\"ps7588 ss151\"><span class=\"f charStyle-37455c2a ps7587\">Besicherungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps7589\">quote der </span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss552\"><div><div class=\"ps7590 ss151\"><span class=\"f charStyle-37455c2a ps7587\">Besicherungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps7588 ss151\"><span class=\"f charStyle-37455c2a ps7589\">quote der </span></div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps4376\">ausgefallenen </span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">74<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7591\"></span><span class=\"ps7591\">1,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">61%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">66%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3333 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">395<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7591\"></span><span class=\"ps7591\">3,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">72%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3548 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">68%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">763<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">169<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7593\"></span><span class=\"ps7593\">1,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7592\"></span><span class=\"ps7592\">67%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3549 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7592\"></span><span class=\"ps7592\">67%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Retail &amp; SME</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die BAWAG wendet die folgenden Grunds\u00e4tze f\u00fcr die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bonit\u00e4tspr\u00fcfung von Privatkunden an. Diese Grunds\u00e4tze</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">spiegeln sich in den Kreditvergaberichtlinien unter</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:233.84pt\">Ber\u00fccksichtigung des genehmigten Risikoappetits wider.</span><span class=\"f charStyle-34546584 ps7596\" style=\"width:2.36pt\"> </span></div><div class=\"ps1419 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Finanzierbarkeit: F\u00e4higkeit eines Kreditnehmers, einen</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7597 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Kredit zur\u00fcckzuzahlen, indem das Einkommen mit den</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1420 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">laufenden Ausgaben und Kreditverpflichtungen verglichen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1421 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">wird. Dar\u00fcber hinaus wenden wir Backstop-Regeln an, die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7598 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">auf dem Verh\u00e4ltnis von Schuldendienst zu Einkommen</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1422 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">(Debt service to income, DSTI) basieren, um die</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1423 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:197.9pt\">Verschuldung des Kreditnehmers zu begrenzen.</span></div><div class=\"ps7599 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Kreditbonit\u00e4t: Bisheriges R\u00fcckzahlungsverhalten des</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps7600 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Kunden basierend auf intern und extern gesammelten</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7601 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Informationen. Wir verwenden statistische Scorecards, um</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps7602 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Kunden zum Zeitpunkt der Kreditvergabe sowie fortlaufend</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7603 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">zu bewerten. Scorecards bilden die Basis der Risiko-Ertrags-</span></div><div class=\"ps7604 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:240.36pt\">Bewertung innerhalb der genehmigten Risikobereitschaft.</span></div><div class=\"ps7605 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Verwendungszweck: Kreditkonditionen gehen aus dem</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7606 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Zweck des Kredites f\u00fcr den Kreditnehmer hervor und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7607 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">m\u00fcssen mit dem Produktzweck, den Bedingungen und den</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps7608 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">Konditionen abgestimmt sein. Zu diesem Zweck haben wir</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">ein klar definiertes Produktangebot mit definiertem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:246.15pt\">maximalem Kreditbetrag, Laufzeit und Verwendungszweck.</span><span class=\"f charStyle-34546584 ps7609\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Sicherheiten: Verwertbarkeit von Sicherheiten des</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Schuldners im Falle eines Ausfalls. Klar definierte Kriterien</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">f\u00fcr die Anrechnung von Sicherheiten, die von internen und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:154.25pt\">externen Experten bewertet werden.</span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Mindestbeteiligung: klar definierte Mindestbeteiligung des</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Kreditnehmers in Bezug auf bereitgestelltes Eigenkapital</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:178.54pt\">und/oder Loan-to-Value (LTV)-Grenzwerte.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Unsere Strategie besteht darin, unser Retail &amp; SME-</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Neugesch\u00e4ft weiter auf assetbasierte besicherte Produkte (vor</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">allem Wohnimmobilien und Leasing) zu verlagern, was durch</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">den Erwerb von KNAB im November 2024 weiter untermauert</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">wird und den Anteil an assetbasierten besicherten Produkten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Ende 2024 auf 85% trieb. Durch den Erwerb der Barclays</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Consumer Bank ist der Anteil 2025 auf 74% des Portfolios</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">gesunken. Die restlichen 26% (2024: 15%) unseres Portfolios</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">bestehen aus unbesicherten Retail &amp; SME-Krediten. Das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Segment beinhaltet Verm\u00f6genswerte in \u00d6sterreich,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Deutschland, den Niederlanden sowie Westeuropa und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:57.01pt\">Nordamerika.</span></div><div class=\"ps7642 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps278 ss16\"><div><div class=\"ps38 ss15\"><span class=\"f charStyle-02ed52cc ps36\">Produktverteilung des Retail &amp; SME-Kreditportfolios<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps1334 ss262\"><div><div class=\"ps281 ss261\"><span class=\"f charStyle-c5fdbd46 ps7610\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7611 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps5133 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7612\">NPL-Quote</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7613\">NPL-Deckungsquote</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2574 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7614 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7615 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7616 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7617 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7618 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3619 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2480 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-37455c2a ps36\">Konsumfinanzierungen &amp; KMU<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7619 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">12.200<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7620 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.349<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7621 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">2,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7622\"></span><span class=\"ps7622\">2,8%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7623 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">64,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7625 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7624\"></span><span class=\"ps7624\">63,5%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1344 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-37455c2a ps36\">Hypothekarfinanzierungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7626 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">26.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7627 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">26.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7628 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7629 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7622\"></span><span class=\"ps7622\">0,4%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7630 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">94,9%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7631 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7624\"></span><span class=\"ps7624\">95,1%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps3062 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7632 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps7633 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7635 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7634\"></span><span class=\"ps7634\">1,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7637 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7636\"></span><span class=\"ps7636\">1,2%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7639 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7638\"></span><span class=\"ps7638\">68,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7641 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7640\"></span><span class=\"ps7640\">70,7%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3112 ss555\"><div><div class=\"ps4208 ss261\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7644 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Das Hypothekarportfolio zeichnet sich durch robuste LTVs,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7645 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">eine niedrige NPL-Quote, eine hohe Deckungsquote sowie eine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7646 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">gute regionale Diversifizierung aus. Die durchschnittliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7647 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">gewichtete Laufzeit betr\u00e4gt weniger als 23 Jahre (2024:</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7649 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:90.11pt\">weniger als 23\u00a0Jahre).</span><span class=\"f charStyle-34546584 ps7648\" style=\"width:2.36pt\"> </span></div><div class=\"ps7650 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Das Konsumfinanzierungs- und KMU-Gesch\u00e4ft besteht aus</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7651 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">nicht besicherten Privatkrediten, Kreditlinien und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7652 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kreditkarten, generiert durch die nationalen und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7653 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">internationalen Vertriebskan\u00e4le der Gruppe. Es umfasst auch</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7654 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">das Leasing- und Factoringgesch\u00e4ft mit einem Mix von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7655 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Leasingverm\u00f6genswerten (KFZ-Leasing, Immobilien- und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7656 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:198.05pt\">Immobilienleasing) und Factoring-Forderungen.</span></div><div class=\"ps7659 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die NPL-Quoten und NPL-Deckungsquoten im Segment Retail</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7660 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">&amp; SME spiegeln das stabile und risikoarme Portfolio wider. Es</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7661 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">wurde die Strategie weiterverfolgt, notleidende</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7662 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kreditportfolien konsequent zu bearbeiten, um niedrige NPL-</span></div><div class=\"ps7663 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Exposure sicherzustellen und sich auf das Kerngesch\u00e4ft zu</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7664 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">konzentrieren. Zus\u00e4tzlich wurden die Fr\u00fcherkennungs-,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7665 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Collection- und Betreibungsprozesse im Hinblick auf eine</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7666 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">erfolgreiche R\u00fcckf\u00fchrung der Kredite aus</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7667 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">abwicklungstechnischer und Risikosicht weiter verbessert. Die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7668 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">NPL-Quote des Retail &amp; SME-Portfolios betr\u00e4gt 1,2% (2024:</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7669 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">1,2%). Die NPL-Deckungsquote von 69% (2024: 71%)</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7671 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:192.29pt\">untermauert das Risikoprofil dieses Portfolios.</span><span class=\"f charStyle-34546584 ps7670\" style=\"width:2.36pt\"> </span></div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">Geografische Verteilung des Retail &amp; SME-Kreditportfolios<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Niederlande<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">16.667<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.661<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">43%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">49%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">11.924<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">12.158<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">31%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">36%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">6.204<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.338<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">16%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">7%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Nordamerika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.424<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.478<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">9%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">7%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">594<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">470<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">2%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">1%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7674 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">W\u00e4hrungsverteilung des Retail &amp; SME-Kreditportfolios<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps281 ss26\"><span class=\"f charStyle-c5fdbd46 ps7672\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">34.811<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">30.944<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">89,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">90,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.198<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.283<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">8,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">6,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">571<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">599<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">CAD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">194<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">87<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7673\"></span><span class=\"ps7673\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Verzugstage des Retail &amp; SME-Kreditportfolios </span></div><div class=\"ps7678 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.74pt\">Eine \u00dcberwachung des Portfolios in Bezug auf Verzugstage</span><span class=\"f charStyle-34546584 ps7677\" style=\"width:2.36pt\"> </span></div><div class=\"ps7680 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.77pt\">erfolgt laufend. Die Ziele sind, eine negative</span><span class=\"f charStyle-34546584 ps7679\" style=\"width:2.36pt\"> </span></div><div class=\"ps7682 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.76pt\">Kreditentwicklung im Portfolio fr\u00fchm\u00f6glichst zu erkennen und</span><span class=\"f charStyle-34546584 ps7681\" style=\"width:2.36pt\"> </span></div><div class=\"ps7683 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.77pt\">proaktive Kundenkontaktaufnahme, um vollst\u00e4ndige</span><span class=\"f charStyle-34546584 ps7679\" style=\"width:2.36pt\"> </span></div><div class=\"ps7684 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.74pt\">Kreditr\u00fcckzahlung zu sichern. Im Segment Retail &amp; SME</span><span class=\"f charStyle-34546584 ps7677\" style=\"width:2.36pt\"> </span></div><div class=\"ps7686 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.75pt\">weisen 98% (2024: 98%) der Forderungen keine Verzugstage</span><span class=\"f charStyle-34546584 ps7685\" style=\"width:2.36pt\"> </span></div><div class=\"ps7687 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.77pt\">auf. Insgesamt belegen das geringe Verzugstagevolumen, die</span><span class=\"f charStyle-34546584 ps7679\" style=\"width:2.36pt\"> </span></div><div class=\"ps7688 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.79pt\">stabilen Vintages und die produktspezifischen Scorecard-</span></div><div class=\"ps7689 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:205pt\">Ergebnisse die hohe Kreditqualit\u00e4t des Portfolios.</span></div><div class=\"ps7715 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"padding:0\"><div class=\"ps278 ss556\"><div><div class=\"ps1717 ss261\"><span class=\"f charStyle-c5fdbd46 ps7610\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps2044 ss557\"><div><div class=\"ps40 ss263\"><span class=\"f charStyle-c5fdbd46 ps7692\">Konsumfinanzierungen &amp; </span></div><div class=\"ps1717 ss263\"><span class=\"f charStyle-c5fdbd46 ps7693\">KMU</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss557\"><div><div class=\"ps1717 ss263\"><span class=\"f charStyle-c5fdbd46 ps1807\">Hypothekarfinanzierungen</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss557\"><div><div class=\"ps1717 ss263\"><span class=\"f charStyle-c5fdbd46 ps4010\">Summe</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2548 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7694 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7695 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7696 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7697 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6149 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6150 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3720 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">Summe der Buchwerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7698 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">12.200<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5137 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.349<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps5138 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">26.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5139 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">26.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps5140 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5141 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3328 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">Keine Verzugstage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7699 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">93,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7700 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">93,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7701 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">99,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7702 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">99,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7703 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">97,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7704 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">97,9%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3726 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">1\u201330 Tage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7705 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7706 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7707 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7708 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7709 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7710 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">31\u201360 Tage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7711 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7712 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps456 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps460 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1831 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">61\u201390 Tage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7713 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7714 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5712 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5713 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5714 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5715 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"i09a461f17cf74621addefd77da42aae9_163\" style=\"position:absolute;top:104.88pt\"></div><div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Corporates, Real Estate &amp; Public Sector</span></div><div class=\"ps1179 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:87.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss511\"><div><div class=\"ps1091 ss510\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7718 ss559\"><div><div class=\"ps281 ss558\"><span class=\"f charStyle-c5fdbd46 ps7717\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps3309 ss559\"><div><div class=\"ps281 ss558\"><span class=\"f charStyle-c5fdbd46 ps7719\">NPL-Quote</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7721 ss559\"><div><div class=\"ps281 ss558\"><span class=\"f charStyle-c5fdbd46 ps7720\">NPL-Deckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7722 ss559\"><div><div class=\"ps281 ss558\"><span class=\"f charStyle-c5fdbd46 ps3397\">Investment Grade</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss511\"><div><div class=\"ps277 ss510\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7724 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-36b68314 ps7723\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7726 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7725\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6324 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-36b68314 ps7723\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7727 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7725\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7728 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-36b68314 ps7723\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7729 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-37455c2a ps5397\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7730 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-36b68314 ps7723\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7731 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-37455c2a ps5397\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss560\"><div><div class=\"ps40 ss510\"><span class=\"f charStyle-37455c2a ps36\">Firmenkundengesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7733 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34 ps7732\">2.742<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7734 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7732\">2.832<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7736 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7735\"></span><span class=\"ps7735\">1,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7738 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7737\"></span><span class=\"ps7737\">0,5%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7740 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">52,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7742 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">98,3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7743 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">94,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7744 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">94,8%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss560\"><div><div class=\"ps40 ss510\"><span class=\"f charStyle-37455c2a ps36\">Immobiliengesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7745 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34 ps7732\">5.686<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7746 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7732\">5.461<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7748 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7747\"></span><span class=\"ps7747\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7749 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7737\"></span><span class=\"ps7737\">1,5%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7750 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">98,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7751 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">66,1%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7752 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">73,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7753 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">71,9%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss560\"><div><div class=\"ps40 ss510\"><span class=\"f charStyle-37455c2a ps36\">\u00d6ffentlicher Sektor<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7754 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34 ps7732\">5.737<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7755 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7732\">5.047<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7756 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7747\"></span><span class=\"ps7747\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7758 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7757\"></span><span class=\"ps7757\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7759 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7747\"></span><span class=\"ps7747\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7760 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7757\"></span><span class=\"ps7757\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7761 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">97,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7762 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">99,0%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss560\"><div><div class=\"ps40 ss510\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7763 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-36b68314 ps3397\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7764 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-0b080fec ps3397\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3339 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-36b68314\"><span class=\"ps7765\"></span><span class=\"ps7765\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7767 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7766\"></span><span class=\"ps7766\">0,7%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7769 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-36b68314\"><span class=\"ps7768\"></span><span class=\"ps7768\">54,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7771 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7770\"></span><span class=\"ps7770\">71,3%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7772 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-36b68314\"><span class=\"ps7768\"></span><span class=\"ps7768\">87,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7773 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7770\"></span><span class=\"ps7770\">87,0%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"3\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps7267 ss563\"><div><div class=\"ps4208 ss562\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7774 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Portfolios Corporates, Real Estate &amp; Public Sector</span><span class=\"f charStyle-34546584 ps146\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps7775 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">umfassen \u00f6sterreichisches, deutsches sowie internationales</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7776 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gesch\u00e4ft (vorwiegend in den USA, dem Vereinigten K\u00f6nigreich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7777 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und Westeuropa). Dieses Gesch\u00e4ft zeichnet sich durch</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7778 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">proaktives Risikomanagement und diszipliniertes Wachstum in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7779 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">entwickelten und stabilen Wirtschaftsr\u00e4umen (vor allem USA,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7780 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Gro\u00dfbritannien und Westeuropa) unter Beibehaltung eines</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7781 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">disziplinierten Ansatzes hinsichtlich risikoadjustierten Pricings</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7782 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aus. Die Grundlage des Portfoliomanagements bildet seit</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7783 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Jahren eine konservative Kreditvergabe mit Fokus auf</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7784 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Cashflow generierende Unternehmen, hohe Gewinnspanne,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7785 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Preissetzungsmacht mit hoher Sicherheitenqualit\u00e4t, solide</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7786 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kapitalstrukturen und starke Kreditgeberschutzmerkmale. Die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7787 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Anforderungen an die Kreditvergabe bleiben \u00fcber den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7788 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Konjunkturzyklus hinweg stabil und k\u00f6nnen unsere F\u00e4higkeit,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7789 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">neues Gesch\u00e4ft zu generieren, beeintr\u00e4chtigen. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7790 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Beibehaltung unseres niedrigen Risikoprofils ist von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7791 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">allergr\u00f6\u00dfter Bedeutung, wobei wir stets angemessene</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7792 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">risikoadjustierte Renditen erzielen und niemals durch ein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7793 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">erh\u00f6htes Kreditrisiko oder einen geringeren strukturellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7794 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:91.51pt\">Schutz kompensieren.</span></div><div class=\"ps7795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Management des Kredit- und Zinsrisikos des Kreditportfolios </span></div><div class=\"ps7796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Corporates, Real Estate &amp; Public Sector</span></div><div class=\"ps7797 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die BAWAG nimmt ein enges Monitoring der zinsinduzierten</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4579 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Risiken in ihren Kreditportfolien vor. In der Regel werden</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps4580 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verschuldungsgrad, zuk\u00fcnftige Zinsaufwendungen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4581 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zinsstruktur (fix/variabel), Absicherungsvereinbarungen,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4582 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Refinanzierungszeitpunkte und -risiken) bei der Kreditvergabe,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4583 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bei der j\u00e4hrlichen \u00dcberpr\u00fcfung und, noch h\u00e4ufiger, auf Ad-</span></div><div class=\"ps4585 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">hoc-Basis eingehend analysiert. Zur Bewertung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7774 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kreditw\u00fcrdigkeit und f\u00fcr eine Risikobewertung werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7775 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">strenge Annahmen zugrunde gelegt. F\u00fcr internationale</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7776 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewerbeimmobilien sehen die Vertr\u00e4ge in der Regel eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7777 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Hedgingpflicht f\u00fcr variabel verzinsliche Darlehen vor, sobald</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7778 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">ein bestimmter Schwellenwert (z.B. Euribor-Zinssatz) erreicht</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7779 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">ist. Zus\u00e4tzlich kommen Zinsreserven und Garantien von</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps7780 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Sponsoren als Abfederung des Zinsrisikos zur Anwendung.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7781 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Derzeit sind ca.\u00a070% (2024: ca. 70%) des Portfolios Corporate,</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps7782 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:235.7pt\">Real Estate &amp; Public Sector an variable Zinsen gebunden.</span></div><div class=\"ps7784 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Wesentliche Kreditentscheidungen werden vom Credit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7785 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Approval Committee (CAC), einem speziellen Gremium auf</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7786 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Vorstandsebene, getroffen. Jede Kreditentscheidung wird</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7787 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">gem\u00e4\u00df den Richtlinien der BAWAG streng gepr\u00fcft, diskutiert</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7788 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">und koordiniert. Die BAWAG-Risikomanager verf\u00fcgen \u00fcber</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7789 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">umfangreiche fachliche Kenntnisse in allen relevanten Asset-</span></div><div class=\"ps7790 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Klassen, sowohl im \u00f6sterreichischen und deutschen Gesch\u00e4ft</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7791 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">als auch im Internationalen. Bis zu bestimmten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7792 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Pouvoirgrenzen werden Kreditentscheidungen auch von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7793 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Risikomanagern getroffen. Ein effektiver \u00dcberwachungs- und</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7794 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:213.99pt\">Reviewprozess w\u00e4hrend der Laufzeit ist vorhanden.</span></div><div class=\"ps7795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Risikokonzentrationen nach Branchen im Kreditportfolio </span></div><div class=\"ps7796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Corporates, Real Estate &amp; Public Sector</span></div><div class=\"ps7797 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ein Hauptfokus des Risikomanagements im Corporates &amp;</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps4579 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Public Sector-Bereich liegt auf dem Konzentrationsrisiko.</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4580 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Dieses entsteht durch signifikante Exposures in individuellen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4581 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kundensegmenten oder betr\u00e4chtlichen Industrie-, L\u00e4nder-</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps4582 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:112.2pt\">Fremdw\u00e4hrungsexposures.</span></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Risikokonzentrationen nach Branchen im Kreditportfolio Corporates, Real Estate &amp; Public Sector <span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps281 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">Corporates, Real Estate &amp; Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Immobiliengesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.810<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.594<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">41%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">42%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">\u00d6ffentlicher Sektor<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.737<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.047<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">41%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">38%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Lender Financing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">773<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">581<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">467<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">416<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">B-2-C-Produkte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Lebensmittel &amp; Getr\u00e4nke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">234<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Engineering und B-2-B<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4227 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">150<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">122<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2260 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Gesundheitswesen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7530 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7531 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">150<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2771 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2772 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5344 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pharmazeutika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7800 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">133<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7801 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7802 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7803 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Versorgungsunternehmen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7804 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">115<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7805 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">193<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2817 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2818 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7806 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7807 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">404<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7808 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7809 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7810 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1668 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7811 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1669 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1670 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1671 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2272 ss564\"><div><div class=\"ps4208 ss26\"><span class=\"f charStyle-5ee25b5a ps36\">Verwendung einer internen Branchensegmentierung.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps3146 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Geografische Verteilung des Kreditportfolios Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Nordamerika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.034<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.274<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">36%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">32%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.592<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.894<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">25%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">29%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.938<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.696<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">14%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">13%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Frankreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.185<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">716<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">8%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">5%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.417<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.758<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">17%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">21%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7813 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Verteilung des Kreditportfolios und der Wertpapiere nach W\u00e4hrung<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">8.695<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">8.462<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">61,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">63,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">4.907<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">34,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">31,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">267<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">333<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,9%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">2,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">SEK<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">118<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">113<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">87<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">193<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4227 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2260 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7816 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:49.74pt\">Corporates:</span><span class=\"f charStyle-34546584 ps7815\" style=\"width:212.29pt\"> Das Corporate-Portfolio besteht haupts\u00e4chlich aus</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7817 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">direkten Krediten an Unternehmen. Das Segment zeichnet sich</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7819 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:244.7pt\">durch ein moderates (Net) Debt/EBITDA-Verh\u00e4ltnis von &lt;</span><span class=\"f charStyle-5a2826df ps7818\" style=\"width:17.34pt\"><span style=\"background-color:inherit\">4,0x</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7821 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:3.13pt\"><span style=\"background-color:inherit\">(</span></span><span class=\"f charStyle-34546584 ps7820\" style=\"width:258.92pt\">2024: &lt;4,0x), starke Cashflow-Profile und 95% (2024: 95%) in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7822 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">internen Ratingklassen, die der Investment-Grade-Klasse</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7823 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">entsprechen, aus. Wir konzentrieren uns auf nicht-zyklische</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7825 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:71.77pt\">Branchen mit </span><span class=\"f charStyle-e63b9797 ps7824\" style=\"width:190.25pt\">nachhaltigen Margen und stressresistenten</span><span class=\"f charStyle-e63b9797 ps148\" style=\"width:2.11pt\"> </span></div><div class=\"ps7816 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:77.83pt\">Gesch\u00e4ftsmodellen.</span><span class=\"f charStyle-34546584 ps7826\" style=\"width:184.22pt\"> Dar\u00fcber hinaus ist das Portfolio</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7817 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">\u00fcberwiegend im Senior-secured-Rang, was die vorrangige</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7819 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">First-out-Position in der Kapitalstruktur widerspiegelt. Die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7821 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">relativ niedrige NPL-Quote von 1,1% (2024: 0,5%) spiegelt die</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7822 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">selektive Kreditvergabe und das widerstandsf\u00e4hige Portfolio</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7823 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:26.25pt\">wider.</span></div></div><div><div class=\"ps797 ss0\"><div class=\"ss518 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">Risikokonzentrationen nach Branchen im Corporates-Gesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7828 ss566\"><div><div class=\"ps281 ss565\"><span class=\"f charStyle-c5fdbd46 ps2469\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps6384 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7829 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7830 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7831 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7832 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Lender Financing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7833 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">773<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7834 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">581<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7835 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">28%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7836 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">21%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7837 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">467<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7838 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">416<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7839 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">17%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7840 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">15%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">B-2-C-Produkte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7841 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7842 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7843 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7844 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">9%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Lebensmittel &amp; Getr\u00e4nke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7845 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7846 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">234<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7847 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7848 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Engineering und B-2-B<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7849 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">150<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7850 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">122<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7851 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7852 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Gesundheitswesen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7853 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7854 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">150<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7855 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7856 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pharmazeutika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7857 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">133<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7858 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7859 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7860 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Versorgungsunternehmen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7861 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">115<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7862 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">193<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7863 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7864 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5344 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Holz &amp; Papier<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7865 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7866 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7867 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7868 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7869 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7870 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">655<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7871 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">16%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7872 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">23%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7806 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7873 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps772\">2.742<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7874 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.832<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7875 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7876 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1668 ss564\"><div><div class=\"ps4208 ss26\"><span class=\"f charStyle-5ee25b5a ps36\">Verwendung einer internen Branchensegmentierung.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7878 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:53.23pt\">Real Estate: </span><span class=\"f charStyle-34546584 ps7877\" style=\"width:208.81pt\">Immobilientransaktionen umfassen Engagements,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7879 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">mit denen entweder direkt Einzelimmobilien,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7880 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Immobilienportfolios oder Kreditportfolios besichert durch</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7881 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Immobilien bzw. mehrere Immobilienarten finanziert werden.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7882 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das Kreditportfolio besteht aus vorrangig besicherten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7883 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Strukturen mit einem LTV/C von durchschnittlich &lt;50% (2024:</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7884 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">&lt;60 %). Das querbesicherte Ring-fenced-Portfolio verf\u00fcgt \u00fcber</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7885 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Merkmale wie signifikantes Eigenkapital, Cashflow-Sweeps,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps799 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Anforderungen an die Zinsdeckung, Zins-</span></div><div class=\"ps805 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Hedgingverpflichtungen, Garantien von Sponsoren und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps806 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Covenant-Tests, welche zu einer St\u00e4rkung der Positionen des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps807 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kreditgebers beitragen. Die Immobilienarten unseres Real-</span></div><div class=\"ps808 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Estate-Portfolios sind gut diversifiziert. Der Anteil der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps809 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Wohnimmobilien am Gesamtbestand betr\u00e4gt 61% (2024: 51</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps814 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">%) im Jahr 2025. Das Neugesch\u00e4ft im Jahr 2025 konzentrierte</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7886 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">sich haupts\u00e4chlich auf Wohnimmobilien, bei denen die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps816 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Angebotsknappheit in unseren M\u00e4rkten weiterhin f\u00fcr gesunde</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps823 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Eckdaten gesorgt hat. Angesichts der starken Auswirkungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps824 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">des aktuellen Umfelds auf die Immobilienm\u00e4rkte haben wir die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps825 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">relevanten M\u00e4rkte- und Verm\u00f6genswertearten in Bezug auf</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps826 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:262.03pt\">L\u00e4nder und zugrunde liegende Verm\u00f6genswerte analysiert, um</span><span class=\"f charStyle-e63b9797 ps160\" style=\"width:2.11pt\"> </span></div><div class=\"ps827 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:262.03pt\">unsere Risikobewertung und den selektiven Ansatz zu best\u00e4tigen.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps828 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:228.08pt\">Die Risikobewertung basiert auf den folgenden Fakten:</span><span class=\"f charStyle-34546584 ps7887\" style=\"width:2.36pt\"> </span></div><div class=\"ps7888 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Robuste Gesamtqualit\u00e4t der Verm\u00f6genswerte in</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7889 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">hochwertigen Lagen/Geografien \u00fcber alle Arten von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7890 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Verm\u00f6genswerten, insbesondere Industrie-, Logistik- und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7891 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:71.92pt\">Wohnimmobilien</span></div><div class=\"ps7892 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Starke Sponsoren mit signifikantem Eigenkapitalanteil und</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps7893 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:231.44pt\">langj\u00e4hriger Gesch\u00e4ftsbeziehung mit der BAWAG Group</span></div><div class=\"ps7894 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Geringeres Nettoengagement im Vergleich zu anderen</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps7895 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Branchen mit hohen Verm\u00f6genswerten und starkem LTV</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7896 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:122.85pt\">f\u00fcr internationale Immobilien</span></div><div class=\"ps7897 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Die Anlageklassen Wohnen und Logistik haben sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7898 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">aufgrund der starken Angebots- und Nachfragedynamik gut</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7899 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">entwickelt, w\u00e4hrend die B\u00fcro- und Retail-Immobilien</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7900 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">unter\u00a0der unklaren Nachfrage und den h\u00f6heren</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7901 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Finanzierungskosten leiden, wobei in den USA erste</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7902 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:193.55pt\">Zeichen der Stabilisierung zu verzeichnen sind.</span></div><div class=\"ps7903 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Hohe Zinss\u00e4tze und Inflation \u00fcben nach wie vor einen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7904 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">gewissen Druck auf die Bewertungen aus, der jedoch durch</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps7905 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:108.62pt\">hohe LTVs gemildert wird.</span></div><div class=\"ps805 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Das gesamte CRE-Portfolio hat sich 2025 um 4% von 5,5 Mrd. \u20ac</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps806 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">auf 5,7 Mrd. \u20ac erh\u00f6ht. Das Neugesch\u00e4ft verlagerte sich seit</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps807 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">2020 vor allem auf Industrie-, Logistik- und Wohnimmobilien.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps808 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Diese Anlageklassen weisen positive Eckdaten auf und machen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps809 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">77% des gesamten Gewerbeimmobilienportfolios im Jahr 2025</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps814 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">(2024: 72%) aus, gegen\u00fcber 48% 2020. Umgekehrt wurde das</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps7886 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Exposure der Kredite im Einzelhandel von 12% im Jahr 2020</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps816 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">auf 3% im Jahr 2025 (2024: 4%) und bei B\u00fcroimmobilien von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps823 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">29% im Jahr 2020 auf 10% im Jahr 2025 (2024: 15%) erheblich</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps824 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">reduziert. Angesichts der Trends zum Onlineshopping und zur</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps825 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.03pt\">Heimarbeit verschlechterten sich die Fundamentaldaten in diesen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps826 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Anlageklassen, und Neugesch\u00e4fte sind sehr selektiv. Diese</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps827 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.04pt\">Ver\u00e4nderung des Risikoappetits wurde bereits vor einigen Jahren</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps828 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">vorgenommen, was uns heute mit einem eingeschr\u00e4nkten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps829 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Exposure in diesen Anlageklassen zu Gute kommt und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps830 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erm\u00f6glicht es uns, Kapital einzusetzen, wenn das Risiko-</span></div><div class=\"ps7906 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:133.56pt\">Rendite-Verh\u00e4ltnis g\u00fcnstiger ist.</span></div><div class=\"ps7907 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Unser Immobilienexposure in den Vereinigten Staaten, das</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7908 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">72% (4,1 Mrd. \u20ac) (2024: 61%, \u20ac 3,3 Mrd.) des gesamten</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7909 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewerbeimmobilienportfolios ausmacht, ist in den Bereichen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wohnen, Industrie und Logistik gewachsen, in denen das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zugrunde liegende Angebot und die Nachfrage weiterhin stark</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7912 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">sind und sich die Cashflows weiterhin wie erwartet entwickeln.</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7913 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Diese Assetklassen machen 87% (2024: 85%) unserer</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">gewerblichen Immobilienfinanzierungen in den USA aus. Auf</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7915 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">B\u00fcroimmobilien in den Vereinigten Staaten entfallen nur 5%</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7916 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(2024: 10%) des gewerblichen Immobilienverm\u00f6gens in H\u00f6he</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7917 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">von 0,2 Mrd. \u20ac (2024: \u20ac 0,3 Mrd.), wobei die Performing-</span></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verm\u00f6genswerte (0,2\u00a0Mrd. \u20ac) (2024: \u20ac 0,2 Mrd.) erhebliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Sicherheitspolster (LTV von 66%) (2024: 69 %) und zugrunde</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">liegende Cashflows aufweisen. Stresstests auf Portfolio- und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:231.67pt\">Einzelgesch\u00e4ftsebene werden regelm\u00e4\u00dfig durchgef\u00fchrt.</span></div><div class=\"ps2901 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss571 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:300pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss568\"><div><div class=\"ps276 ss567\"><span class=\"f charStyle-9f85f029 ps36\">Real Estate zugrunde liegende Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss569\"><div><div class=\"ps279 ss567\" style=\"text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps36\" style=\"width:2.36pt\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7919 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps4010\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps3156 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss569\"><div><div class=\"ps277 ss567\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7920 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2241 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7921 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7922 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Wohnimmobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7923 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.492<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7924 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.769<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7925 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">61%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7926 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">51%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Industrie/Logistik<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7927 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">905<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7928 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.131<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7929 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">16%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7930 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">21%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">B\u00fcro<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7931 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">585<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7932 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">833<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7933 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">10%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7934 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">15%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Gastgewerbe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7935 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">473<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7936 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">449<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7937 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7938 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Einzelhandel<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7939 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7940 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">199<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7941 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7942 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7943 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7944 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">80<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7945 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7946 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-c5fdbd46 ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7947 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps772\">5.686<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2259 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps772\">5.461<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7948 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7949 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6155 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:66.49pt\">Public Sector:</span><span class=\"f charStyle-34546584 ps7950\" style=\"width:195.56pt\"> Das Public-Sector-Portfolio besteht im</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6156 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wesentlichen aus direkten Krediten und Limiten an \u00f6ffentliche</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6158 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Gebietsk\u00f6rperschaften wie Staaten, L\u00e4nder oder Kommunen/</span></div><div class=\"ps4320 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Unternehmen oder an Einrichtungen, die (teilweise) im Besitz</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">solcher \u00f6ffentlichen Stellen sind. In der Regel liegt eine</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">explizite oder implizite Garantie der \u00f6ffentlichen Hand vor. Der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Schwerpunkt des Portfolios liegt in \u00d6sterreich, mit einem</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">kleineren Engagement in Frankreich und Deutschland.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4326 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:258.35pt\">Insgesamt ist dieses Portfolio durch risikoarme staatliche oder</span><span class=\"f charStyle-34546584 ps7951\" style=\"width:2.36pt\"> </span></div><div class=\"ps6155 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">durch Garantien von L\u00e4ndern und Gemeinden garantierte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps6156 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Engagements gekennzeichnet. Es gibt keine signifikante</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6158 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ausfallhistorie f\u00fcr \u00f6ffentliche Einrichtungen in unserem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps4320 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Portfolio, und wir gehen stark von staatlicher Unterst\u00fctzung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps4321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">f\u00fcr \u00f6ffentliche Einrichtungen und Agenturen aus, die in der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps4322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Regel einen \u00f6ffentlichen Zweck erf\u00fcllen und daher systemisch</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">wichtig sind. Es gibt keine NPLs in diesem Teilsegment und</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps4325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">regulatorisch angeforderte risikogewichtete Aktiva sind</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps4326 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:31.55pt\">niedrig.</span><span class=\"f charStyle-34546584 ps7952\" style=\"width:2.36pt\"> </span></div><div class=\"ps7953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Treasury </span></div><div class=\"ps7954 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps684\">Investment Grade</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Bargeld und Bargeld\u00e4quivalent &amp; Kundenforderungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">14.803<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">18.491<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Investmentbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.139<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.391<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">97,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.942<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">21.882<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7638\"></span><span class=\"ps7638\">99,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7638\"></span><span class=\"ps7638\">99,3%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7956 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:36.88pt\">Treasury</span><span class=\"f charStyle-34546584 ps7955\" style=\"width:225.15pt\"> verfolgte weiterhin die Strategie, ein ausgewogenes</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7957 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verh\u00e4ltnis zwischen langfristigen Investitionen in hochwertige</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Wertpapiere und der Beibehaltung unseres Hold-to-Collect</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7959 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und Sell-Portfolios herzustellen, um die Flexibilit\u00e4t f\u00fcr</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Umschichtungen in Kundenkredite oder andere</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7961 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bilanzstrategien zu erm\u00f6glichen. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gesamtzusammensetzung des Portfolios spiegelt unsere</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7963 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Strategie wider, eine hohe Kreditqualit\u00e4t, eine kurz-/</span></div><div class=\"ps7964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">mittelfristige Duration und eine starke Liquidit\u00e4t im</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wertpapierportfolio aufrechtzuerhalten, um die Ziele der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7966 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Generierung eines zus\u00e4tzlichen Nettozinsertrags bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7967 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">gleichzeitiger Minimierung der Marktwertschwankungen in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7968 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">der Gewinn- und Verlustrechnung in Einklang zu bringen.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7969 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Angesicht der historisch engen Kreditspreads und der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">niedrigen Marktvolatilit\u00e4t und der daraus resultierenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">niedrigen risikoadjustierten Spreads waren wir in unserem</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:174.24pt\">Wertpapierportfolio 2025 unterinvestiert.</span><span class=\"f charStyle-34546584 ps7972\" style=\"width:2.36pt\"> </span></div><div class=\"ps7956 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Mit 31. Dezember 2025 beliefen sich das Investmentportfolio</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7957 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">auf 3,1 Mrd. \u20ac (2024: 3,4 Mrd. \u20ac) und die Liquidity Reserve</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">13,3 Mrd. \u20ac (2024: 16,7 Mrd. \u20ac). Die durchschnittliche Laufzeit</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7959 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">des Anlageportfolios betrug 3 Jahre (2024: 4 Jahre) und</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">umfasste zu fast 100% (2024: 99%) Wertpapiere mit</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7961 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Investment-Grade-Rating, von denen 89% (2024: 76%) in der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kategorie A oder h\u00f6her geratet waren. Das Portfolio hat weder</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7963 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">mit Dezember 2025 noch 2024 ein direktes Engagement in</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">China und Russland, der Ukraine oder dem Mittleren Osten.</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:231.18pt\">Das Engagement in Osteuropa ist nach wie vor limitiert.</span></div><div class=\"ps797 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">Geografische Verteilung des Investmentbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">831<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">206<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">26%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7975\"></span><span class=\"ps7975\">6%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Ireland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">815<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">941<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">26%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7974\"></span><span class=\"ps7974\">28%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">France<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">422<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">557<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">13%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7974\"></span><span class=\"ps7974\">16%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Austria<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">315<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">403<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">10%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7974\"></span><span class=\"ps7974\">12%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">United States<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">183<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">222<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7975\"></span><span class=\"ps7975\">6%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7975\"></span><span class=\"ps7975\">7%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">574<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.062<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">18%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7974\"></span><span class=\"ps7974\">31%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4227 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps772\">3.139<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.391<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2260 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7976\"></span><span class=\"ps7976\">100%<span style=\"display:inline-block;height:6pt;width:2.97pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7976\"></span><span class=\"ps7976\">100%<span style=\"display:inline-block;height:6pt;width:2.97pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7977 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">W\u00e4hrungsverteilung des Investmentbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps279 ss26\" style=\"text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps36\" style=\"width:2.36pt\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.785<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.885<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">88,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">85,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">354<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">412<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">11,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">12,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7673\"></span><span class=\"ps7673\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">2,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps772\">3.139<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.391<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7978 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Corporate Center</span></div><div class=\"ps7979 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Das Corporate Center enth\u00e4lt zentrale Funktionen f\u00fcr die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">BAWAG. Die Gewinn- und Verlustrechnung umfasst daher das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7981 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ergebnis des Fund Transfer Pricing (FTP) als Ergebnis der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7982 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Asset\u00a0&amp; Liability-Management-Funktion, projektbezogene</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7983 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Betriebsausgaben und andere einmalige Posten. Die Bilanz</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7984 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">enth\u00e4lt haupts\u00e4chlich unverzinsliche Verm\u00f6genswerte,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:147.24pt\">Verbindlichkeiten und Eigenkapital.</span><span class=\"f charStyle-34546584 ps7985\" style=\"width:2.36pt\"> </span></div><div class=\"ps7987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Notleidende Kredite</span></div><div class=\"ps7988 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Ausfalldefinition der BAWAG basiert auf Artikel 178 CRR</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps7989 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">und den Leitlinien der EBA (EBA/GL/2016/07) und wurde am</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps7990 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">26. Februar 2020 von der EZB mit der Entscheidung ECB-</span></div><div class=\"ps7991 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">SSM-2020-ATBAW-4 genehmigt. Der Ansatz wurde</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7992 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">anschlie\u00dfend erweitert, um die notleidenden Risikopositionen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7994 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:168.23pt\">nach Artikel 47a CRR zu ber\u00fccksichtigen.</span><span class=\"f charStyle-34546584 ps7993\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps7995 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Basierend auf diesem regulatorischen Ansatz hat BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7996 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">wirtschaftlich notleidende Risikopositionen (\u00f6konomisch NPL)</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7997 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">definiert. Diese unterscheidet sich von der regulatorischen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7998 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Ausfalldefinition dadurch dass Retail &amp; SME-Positionen ohne</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7999 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">materielle R\u00fcckst\u00e4nde in den Ratingklassen 8.1 (&gt; 90 DPD), 8.2</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8000 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(Strukturierungen) und 8.4 (harte und weiche UTP-Trigger) als</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps8001 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">performing Kredite betrachtet werden. In weiterer Folge wird</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps8002 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">f\u00fcr notleidende Kredite die Definition von \u00f6konomisch</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8003 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:176.08pt\">notleidenden Risikopositionen verwendet.</span></div><div class=\"ps8004 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Die folgende Tabelle zeigt die Quote \u00f6konomisch notleidender</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps2585 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kredite (NPL-Quote), Wertberichtigungen, NPL-</span></div><div class=\"ps2586 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertberichtigungsquote und NPL-Besicherungsquote des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2587 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kreditportfolios. Das niedrige Risikoprofil spiegelt sich in der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2588 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">historisch niedrigen NPL-Quote, im niedrigen Volumen an</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8005 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">\u00fcberf\u00e4lligen Forderungen und der erh\u00f6hten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8006 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertberichtigungs- und Besicherungsdeckung \u00fcber das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8007 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">gesamte Portfolio wider. Mehr als 83 % (2024: 87 %) des</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps8008 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Exposures k\u00f6nnen einem Investment-Grade-Rating zugeordnet</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps8009 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden, dies entspricht einem externen Rating zwischen AAA</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps8012 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:35pt\">und BBB</span><span class=\"f charStyle-34546584 ps8010\" style=\"width:2.62pt\">.</span><span class=\"f charStyle-34546584 ps8011\" style=\"width:2.36pt\"> </span></div><div class=\"ps797 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Bilanzielle Gesch\u00e4fte (brutto)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">70.590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">69.353<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps8014\"></span><span class=\"ps8014\">100,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps8014\"></span><span class=\"ps8014\">100,0%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps858 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4022 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">99<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps315 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps316 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps319 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps321 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">307<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps322 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">242<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps323 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps324 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps326 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps627 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps628 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps629 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7673\"></span><span class=\"ps7673\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps630 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7673\"></span><span class=\"ps7673\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2683 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Bilanzielle Gesch\u00e4fte (netto)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">70.090<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">68.985<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2689 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">NPL-Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2262 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Wertberichtungdeckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">55,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">47,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2265 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Deckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7401 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5710\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2266 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">68,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2267 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">70,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2096 ss564\"><div><div class=\"ps4208 ss26\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps4349 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die folgende Tabelle zeigt die NPL-Quote, die NPL-</span></div><div class=\"ps4350 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wertberichtungdeckungsquote und die NPL-Deckungsquote</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4351 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">aufgegliedert in die Segmente Retail &amp; SME und Corporates,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:114.21pt\">Real Estate &amp; Public Sector.</span></div><div class=\"ps8017 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps8015\">Retail &amp; SME</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps624 ss263\"><span class=\"f charStyle-c5fdbd46 ps1758\">Corporates, Real Estate &amp; </span></div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps8016\">Public Sector</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps858 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">NPL-Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,7%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Wertberichtungdeckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4022 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">55,6%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">52,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">43,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">24,0%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Deckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps315 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">68,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps316 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">70,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">54,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">71,3%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps319 ss564\"><div><div class=\"ps4208 ss26\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps8018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Erhaltene Sicherheiten f\u00fcr das NPL-Portfolio</span></div><div class=\"ps8019 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die folgenden Zahlen beziehen sich auf das Brutto-NPL-</span></div><div class=\"ps8021 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:78.6pt\">Exposure (Stufe 3).</span><span class=\"f charStyle-34546584 ps8020\" style=\"width:2.36pt\"> </span></div><div class=\"ps8029 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss184\"><div><div class=\"ps8022 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8023\">NPL Exposure</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-c5fdbd46 ps8024\">Immobilien </span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps8025\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps5775\">Sonstige Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps5458\">Finanzgarantien</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps8025\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8027\">verbesserungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Retail &amp; SME</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3318 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3319 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">92<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3321 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">51<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3322 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8028 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Corporates, Real Estate &amp; Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3546 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-9208d16a ps36\">Gesamtportfolio</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">680<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">98<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3333 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">Die dargestellten Sicherheiten sind Marktwerte.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8035 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss184\"><div><div class=\"ps8022 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8032\">NPL Exposure</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-c5fdbd46 ps8024\">Immobilien </span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps8025\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps5775\">Sonstige Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8033\">Finanzgarantien</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps3206\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8034\">verbesserungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Retail &amp; SME</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3318 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">494<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3319 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">117<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3321 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3322 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8028 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Corporates, Real Estate &amp; Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">107<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3546 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-9208d16a ps36\">Gesamtportfolio</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">601<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">210<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3333 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">Die dargestellten Sicherheiten sind Marktwerte.</span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"i09a461f17cf74621addefd77da42aae9_175\" style=\"position:absolute;top:104.88pt\"></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps2\">I</span><span class=\"f charStyle-b1e544a7 ps8036\">mpairment</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gem\u00e4\u00df IFRS 9 werden die Wertberichtigungen anhand von</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">erwarteten Kreditverluste f\u00fcr alle nicht ausgefallenen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Verm\u00f6genswerte in Stufe 1 und 2 (in Folge als ECL bezeichnet)</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und f\u00fcr alle ausgefallenen finanziellen Verm\u00f6genswerte in<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps1242 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Stufe 3 (in Folge als LLP bezeichnet) berechnet, die zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1049 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">fortgef\u00fchrten Anschaffungskosten (AC) oder FVOCI erfasst</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1050 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden, einschlie\u00dflich Leasingforderungen, Kreditzusagen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1051 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Finanzgarantien sowie Vertragsforderungen gem\u00e4\u00df IFRS 15.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1052 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Einstufung in Stufe 3 wird gem\u00e4\u00df Kapitel \"Notleidende</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1053 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:93.26pt\">Kredite\"\u00a0 angewendet.</span></div><div class=\"ps1055 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das folgende Kapitel ist in f\u00fcnf Unterkapitel unterteilt, um die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1056 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Beurteilung und die Berechnung von Wertminderungen der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:100.48pt\">BAWAG zu beschreiben:</span><span class=\"f charStyle-34546584 ps8037\" style=\"width:2.36pt\"> </span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">1.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:71.6pt\">Stufenzuordnung</span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">2.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:134.89pt\">Berechnung der Wertminderung</span><span class=\"f charStyle-34546584 ps8039\" style=\"width:2.36pt\"> </span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">3.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:226.06pt\">Entwicklung von Buchwerten, Wertminderungen und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps5516\" style=\"width:27.05pt\">Stufen</span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">4.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:202.66pt\">Neuartige Risiken und Post-Modell-Anpassungen</span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">5.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:81.34pt\">Sensitivit\u00e4tsanalyse</span></div></div><span class=\"f charStyle-02ed52cc ps1633\">Stufenzuordnung</span><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Ein wesentlicher Aspekt der Sch\u00e4tzung von Wertminderungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">nach IFRS 9 ist die Einteilung der finanziellen Verm\u00f6genswerte</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">in drei Stufen. Die Stufen 1 und 2 umfassen Verm\u00f6genswerte,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">die als r\u00fcckzahlungsf\u00e4hig angesehen werden, w\u00e4hrend Stufe 3</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">f\u00fcr \u00f6konomisch notleidende Verm\u00f6genswerte (siehe Kapitel</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">\"Notleidende Kredite\") vorgesehen ist. Dar\u00fcber hinaus fallen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">finanzielle Verm\u00f6genswerte, welche bei Erwerb oder</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Kreditvergabe bereits als notleidend identifiziert wurden in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">eine separate Kategorie Purchased or originated as credit-</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">impaired (POCI). Die BAWAG-Gruppe pr\u00fcft die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Stufenzuordnung der Verm\u00f6genswerte zu jedem</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:75.39pt\">Berichtszeitpunkt.</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 1: Erstmalige Erfassung </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Stufe 1 umfasst alle finanziellen Instrumente bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">erstmaliger Erfassung (Ausnahme POCI) und diejenigen, deren</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Kreditrisiko sich seit der Ersterfassung nicht signifikant erh\u00f6ht</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:16.3pt\">hat.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 2: Signifikanter Anstieg des Kreditrisikos (SICR)</span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Finanzinstrumente, bei denen ein signifikanter Anstieg des</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Kreditrisikos seit der erstmaligen Buchung festgestellt wird,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden in Stufe 2 transferiert (Ausnahme POCI). Die SICR-</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Einstufung der Verm\u00f6genswerte wird auf Einzelkontoebene</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:57.31pt\">durchgef\u00fchrt.</span><span class=\"f charStyle-34546584 ps8040\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Transferkriterien von Stufe 1 auf Stufe 2 basieren auf drei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:30.51pt\">S\u00e4ulen:</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:89.13pt\">quantitative Kriterien</span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:82.73pt\">qualitative Kriterien</span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:79.88pt\">Backstop-Kriterium</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die quantitativen Kriterien untersuchen die Verschlechterung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">der Lifetime-PDs seit der erstmaligen Buchung, w\u00e4hrend die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">qualitativen Kriterien zus\u00e4tzliche Informationen \u00fcber die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verm\u00f6genswerte ber\u00fccksichtigen, um einen signifikanten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Anstieg des Kreditrisikos zu beurteilen. Als zus\u00e4tzliches</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Backstop-Kriterium wird in der BAWAG der Zahlungsr\u00fcckstand</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">von 30 Tagen ber\u00fccksichtigt. Wenn eines der Kriterien erf\u00fcllt</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">ist, wird ein Finanzinstrument von Stufe 1 in Stufe 2 \u00fcberf\u00fchrt.</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Ist keines der Transferkriterien erf\u00fcllt, wird der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswert beibehalten oder wieder in Stufe 1</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:50.05pt\">zugeordnet.</span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Quantitative Kriterien</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Ein quantitatives Kriterium untersucht das Kreditrisikoprofil</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:227.63pt\">des finanziellen Verm\u00f6genswerts unter zwei Aspekten:</span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:147.96pt\">der relativen Lifetime-PD-\u00c4nderung</span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:152.39pt\">der absoluten Lifetime-PD-\u00c4nderung</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wenn beide Indikatoren die vorgegebenen Schwellenwerte,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">welche auf Portfolio-Ebene bestimmt werden, \u00fcberschreiten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und auf einen signifikanten Anstieg des Kreditrisikos</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:201.32pt\">hinweisen, wird das Asset in Stufe 2 transferiert.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Qualitative Kriterien</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die von der BAWAG ausgew\u00e4hlten Faktoren f\u00fcr die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:143.83pt\">qualitativen Staging-Kriterien sind:</span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:197.64pt\">Aufnahme in die Watchlist (Non-Retail-Kunden)</span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:164.41pt\">Eintrag in die Warnliste (Retail-Kunden)</span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:163.89pt\">Setzung des Forbearance-Kennzeichens</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wenn einer dieser Faktoren als aktiv gekennzeichnet ist, wird</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:235.95pt\">der finanzielle Verm\u00f6genswert in die Stufe 2 \u00fcbertragen.</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Backstop-Kriterium</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Als Backstop-Kriterium wird in der BAWAG ein</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zahlungsr\u00fcckstand von mehr als 30 Tagen verwendet. Alle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Finanzinstrumente, die mehr als 30 Tage \u00fcberf\u00e4llig sind,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.97pt\">werden in Stufe 2 transferiert, sofern sie nicht schon in Stufe 3</span><span class=\"f charStyle-34546584 ps237\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:19.72pt\">sind.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Stufe 3: Notleidende Verm\u00f6genswerte</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Finanzinstrumente werden gem\u00e4\u00df der Ausfalldefinition f\u00fcr</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">\u00f6konomisch notleidenden Kredite in Stufe 3 eingestuft,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">basierend auf dem Ausfall nach Artikel 178 CRR,\u00a0 bereinigt um</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Retail &amp; SME-Positionen ohne materielle R\u00fcckst\u00e4nde auf</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundenebene f\u00fcr 90-Tage-\u00fcberf\u00e4llige Kredite,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Restrukturierungen bzw. harte und weiche UTP-Trigger. Sobald</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">die Gesundungsperiode ohne R\u00fcckstand beginnt, wird das</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Finanzinstrument in Stufe 2 eingestuft; jedoch f\u00fchrt jeder</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">materielle R\u00fcckstand auf Kundenebene zu einen sofortigen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Transfer nach Stufe 3. Dar\u00fcber hinaus erfolgt die R\u00fcckstufung</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">eines Finanzinstruments in Stufe\u202f1 oder Stufe\u202f2 (gem\u00e4\u00df SICR-</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Klassifizierung), sobald dessen Gesundung nach einem Ausfall</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:166.54pt\">nach Artikel 178 CRR festgestellt wurde.</span></div><span class=\"f charStyle-02ed52cc ps1633\">Berechnung der Wertminderung</span><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Berechnung der Wertminderung von Finanzinstrumenten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">st\u00fctzt sich auf drei grundlegende Parameter:</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ausfallwahrscheinlichkeit (PD \u2013 Probability of Default),</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Verlustquote bei Ausfall (LGD \u2013 Loss Given Default) und</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">ausstehende Kreditsumme bei Ausfall (EAD \u2013 Exposure at</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Default). Diese Parameter bestimmen gemeinsam die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bewertung der erwarteten Kreditverluste und werden mit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Hilfe interner Modelle gesch\u00e4tzt. Wenn vorhanden, bilden die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">aufsichtsrechtlichen, auf internen Ratings basierenden (IRB)</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Risikomodelle, die konzeptionell auf Through-the-Cycle-</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Beobachtungen basieren, den Ausgangspunkt f\u00fcr die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sch\u00e4tzung der Wertminderungsparameter. F\u00fcr</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risikoparameter, f\u00fcr die keine IRB-Risikomodelle eingesetzt</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden, d.h. Standardansatz oder LGDs f\u00fcr F-IRB-Modelle,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden andere interne Modelle und Sch\u00e4tzungen (bspw.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">durch Benchmarking) verwendet. Zur IFRS-9-Konformit\u00e4t</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">werden folgende Anpassungen implementiert: Erweiterung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">des Prognosehorizonts auf die gesamte Kreditlaufzeit,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Transformation der Through-the-Cycle zu Point-in-Time-</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Parametern zur Abbildung aktueller Markttrends sowie</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Integration zukunftsgerichteter Informationen in die ECL-</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Berechnung. Die Parameter werden in allen drei Stufen (au\u00dfer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">bei Stufe 3 Corporate Customers, wo ein individuelles</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Assessment durchgef\u00fchrt wird) angewandt, aber ihre</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Anwendung in der endg\u00fcltigen Wertminderungsberechnung</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">unterscheidet sich je nach Stufe des einzelnen finanziellen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:73.06pt\">Verm\u00f6genswerts.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">F\u00fcr die Ermittlung der Risikoparameter f\u00fcr die Gesamtlaufzeit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">f\u00fcr Portfolios mit unterschiedlichen zugrunde liegenden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Risiken werden separate Modelle und Sch\u00e4tzungen entwickelt.</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Genauigkeit der Modelle wird durch j\u00e4hrliche interne</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:230.19pt\">Modellvalidierung kontinuierlich und rigoros \u00fcberpr\u00fcft.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Lifetime-Risikoparameter nach IFRS 9 bestehen aus einer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zyklus\u00fcbergreifenden (Through-the-Cycle) und einer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zeitpunktbezogenen (Point-in-Time) Komponente, welche</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vorrausschauende Informationen (Forward-looking-</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Information) ber\u00fccksichtigt. Die Through-the-Cycle-</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Komponente erfasst die idiosynkratischen Risiken der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Finanzinstrumente, die im Zeitablauf stabil sind und durch den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">langfristigen Durchschnitt der Risikoparameter gemessen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden. Die zeitpunktbezogene Komponente misst die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">systematischen Risiken, die in der Regel durch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">makro\u00f6konomische Prognosen und den Kreditrisikozyklus des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:123.76pt\">Portfolios dargestellt werden.</span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Exposure bei Ausfall (EAD)</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Das Lifetime-Exposure at Default misst den erwarteten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Forderungsbetrag zum Zeitpunkt des Ausfalls. Bei Krediten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">wird der Betrag als Summe der diskontierten zuk\u00fcnftigen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Cashflows gesch\u00e4tzt, die die Bank erwartungsgem\u00e4\u00df erh\u00e4lt.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">F\u00fcr revolvierende Produkte ist EAD eine Summe der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">erwarteten in Anspruch genommenen Zusagen zum Zeitpunkt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">des Ausfalls. Die zum Zeitpunkt des Ausfalls erwarteten in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Anspruch genommenen Betr\u00e4ge werden durch den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kreditkonversionsfaktor (CCF) approximiert, der auf der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Grundlage der historisch beobachteten in Anspruch</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:163.23pt\">genommenen Zusagen modelliert wird.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Ausfallwahrscheinlichkeit (PD)</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.04pt\">Die Lifetime-Ausfallwahrscheinlichkeit ist die Wahrscheinlichkeit</span><span class=\"f charStyle-7973db00 ps192\" style=\"width:2.26pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.01pt\">der Zahlungsunf\u00e4higkeit des Kunden \u00fcber die Laufzeit des</span><span class=\"f charStyle-7973db00 ps212\" style=\"width:2.26pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.03pt\">Finanzinstruments. Die Through-the-Cycle-Komponente der PD</span><span class=\"f charStyle-7973db00 ps205\" style=\"width:2.26pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.05pt\">wird durch das langfristige durchschnittliche</span><span class=\"f charStyle-7973db00 ps208\" style=\"width:2.26pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.04pt\">Migrationverhaltens der Ratings abgeleitet und prim\u00e4r anhand</span><span class=\"f charStyle-7973db00 ps192\" style=\"width:2.26pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:140.45pt\">von Migrationsmatrizen gesch\u00e4tzt.</span><span class=\"f charStyle-7973db00 ps8041\" style=\"width:2.26pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Verlust bei Ausfall (LGD)</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Der Lifetime-Verlust bei Ausfall stellt den erwarteten Verlust</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der Bank dar, wenn die finanziellen Verm\u00f6genswerte</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">ausgefallen sind. Er wird auf der Grundlage historischer</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verlustquoten gesch\u00e4tzt, wobei Faktoren wie Gesundung,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sicherheiten, Barzahlungen und andere Quellen der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Verwertung ber\u00fccksichtigt werden. Diese diskontierten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">R\u00fcckfl\u00fcsse werden mit dem erwarteten Exposure at Default</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">w\u00e4hrend der Laufzeit des finanziellen Verm\u00f6genswerts</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">verglichen. Dies erm\u00f6glicht, den erwarteten Verlust im Falle</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">eines Ausfalls zu verstehen, wobei ber\u00fccksichtigt wird, wie</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">sich die Erl\u00f6sfaktoren, z.B. Werte von Sicherheiten, w\u00e4hrend</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:257.37pt\">der Lebensdauer des finanziellen Verm\u00f6genswerts ver\u00e4ndern.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Zukunftsgerichtete Informationen f\u00fcr Point-in-Time-</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Anpassung</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die Parameter f\u00fcr den erwarteten Kreditverlust sind von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zukunftsgerichteten Informationen abh\u00e4ngig. Daher werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">diese Parameter auf der Grundlage der vorherrschenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">makro\u00f6konomischen Bedingungen und ihrer Prognosen zu</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">jedem Zeitpunkt angepasst. So h\u00e4ngen beispielsweise die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Prognosen f\u00fcr die Wertentwicklung von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Immobiliensicherheiten von der Vorhersage des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Immobilienpreisindexes ab, und die Beziehung zwischen der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ausfallwahrscheinlichkeit und makro\u00f6konomischen Faktoren,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.06pt\">wie dem Bruttoinlandsprodukt oder Arbeitslosigkeit, wird</span><span class=\"f charStyle-e63b9797 ps190\" style=\"width:2.11pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.06pt\">bewertet und prognostiziert. Zur Gew\u00e4hrleistung einer objektiven</span><span class=\"f charStyle-e63b9797 ps190\" style=\"width:2.11pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262pt\">und marktgerechten Datenbasis greift das Institut hierbei auf die</span><span class=\"f charStyle-e63b9797 ps186\" style=\"width:2.11pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.03pt\">etablierten makro\u00f6konomischen Szenarien von Moody\u2019s Analytics</span><span class=\"f charStyle-e63b9797 ps205\" style=\"width:2.11pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:28.16pt\">zur\u00fcck.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG verwendet f\u00fcr ihre makro\u00f6konomischen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Prognosen ein Set von drei Szenarien: 26% pessimistisch, 45%</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Baseline und 29% optimistisch. Die Gewichtung wird mithilfe</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">eines statistischen Ansatzes abgeleitet, der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wahrscheinlichkeitsgewichtungen aus dem Schweregrad der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">gegebenen Szenarien ermittelt und als Anteil der m\u00f6glichen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zuk\u00fcnftigen Ergebnisse zu verstehen ist, den das jeweilige</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:74.93pt\">Szenario darstellt.</span><span class=\"f charStyle-34546584 ps8042\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Szenarien basieren auf einem bereitgestellten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Basisszenario, das als zentrale makro\u00f6konomische Referenz</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">(\u201eBaseline\u201c) dient. Ausgehend von dieser Grundlage werden</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">die weiteren Szenarien entwickelt und zur Verf\u00fcgung gestellt.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Diese werden unter Ber\u00fccksichtigung des jeweiligen Szenario-</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Narrativ ermittelt. Das makro\u00f6konomische Szenario-Komitee</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">pr\u00fcft alle Szenarien und erteilt die finale Genehmigung. Von</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">allen makro\u00f6konomischen Variablen verwendet die BAWAG</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">das BIP-Wachstum als Hauptquelle f\u00fcr zukunftsgerichtete</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Informationen, die in den ECL-Sch\u00e4tzungen ber\u00fccksichtigt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden, wobei zus\u00e4tzliche Variablen wie Inflation,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Arbeitslosenquote oder Immobilienpreise eine erg\u00e4nzende</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:55.35pt\">Rolle spielen.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Makro\u00f6konomische Prognose f\u00fcr den Euroraum und US,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:138.84pt\">angewendet f\u00fcr ECL-Berechnung:</span><span class=\"f charStyle-34546584 ps8043\" style=\"width:2.36pt\"> </span></div><div class=\"ps3714 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:12pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6940 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">Euroraum BIP-Wachstum 31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps8044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8045 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8046 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8047 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8048 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps8049 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1334 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8053 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">Euroraum BIP-Wachstum 31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8054 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:12pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6940 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">US BIP-Wachstum 31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps8044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8045 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8046 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8047 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8048 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps8049 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1334 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8055 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:12pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6940 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">US BIP-Wachstum 31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8045 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8046 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8047 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8048 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8049 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1334 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 1 &amp; 2: Erwarteter Kreditverlust (ECL)</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die erwarteten Kreditverluste werden f\u00fcr jedes Gesch\u00e4ft</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">einzeln auf Basis der Parameter PD, LGD und EAD berechnet.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die BAWAG wendet ein wahrscheinlichkeitsgewichtetes</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">erwartetes Ergebnis unter drei verschiedenen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">makro\u00f6konomischen Szenarien an, die mit entsprechenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gewichten aggregiert werden, um eine endg\u00fcltige ECL-</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Sch\u00e4tzung zu erstellen. Die Verteilung auf drei Szenarien</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">erm\u00f6glicht es der Bank, ein breites Spektrum an</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zukunftserwartungen abzudecken, und wurde im Rahmen der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:230.7pt\">Branchenstandards als am besten geeignet ausgew\u00e4hlt.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 1: 12-Monats-ECL</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Horizont der Berechnung des erwarteten Kreditverlusts f\u00fcr</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Stufe 1 ist bis zu einem Jahr nach dem Stichtag, unter</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der\u00a0Ber\u00fccksichtigung der vorausschauenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Ausfallswahrscheinlichkeit, des Verlusts bei Ausfall und der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:182.35pt\">Exposure-Struktur innerhalb dieser Periode.</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 2: Lifetime-ECL</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">F\u00fcr Finanzinstrumente in Stufe 2 werden die erwarteten</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Kreditverluste wie bei Stage 1 berechnet, jedoch der Horizont</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">f\u00fcr die erwarteten Kreditverluste ist erweitert bis zum Ende</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:126.13pt\">der Laufzeit des Instrumentes.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 3: Wertberichtigungen (LLP)</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bei Retail-, KMU- und nicht signifikanten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Unternehmenskunden erfolgt die Berechnung der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wertberichtigungen automatisiert anhand interner Modelle.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Diese st\u00fctzen sich auf historisch beobachtete Ausfall- und</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Eintreibungsinformationen, die Dauer des jeweiligen Ausfalls</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:178.58pt\">sowie LTV-Werte bei Hypothekendarlehen.</span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Demgegen\u00fcber unterliegen Engagements gegen\u00fcber</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">signifikanten Unternehmenskunden, Finanzinstituten und der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">\u00f6ffentlichen Hand einer individuellen Risikoanalyse. Um</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">etwaige Verlustereignisse zu identifizieren, werden in</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">regelm\u00e4\u00dfigen Abst\u00e4nden aktuelle Informationen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">kontrahentenbezogene Faktoren gepr\u00fcft. Hierzu z\u00e4hlen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">insbesondere erhebliche finanzielle Schwierigkeiten des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Schuldners oder Vertragsbr\u00fcche, wie etwa der Verzug oder</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:168.47pt\">Ausfall von Zins- und Tilgungsleistungen.</span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">In der Kompetenz- und Pouvoirordnung ist der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Genehmigungsvorgang f\u00fcr die Abschreibung und den Verzicht</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">geregelt. Ausbuchungen erfolgen in Abstimmung mit den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">jeweiligen Fachbereichen, wenn alle zumutbaren</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bestrebungen, die Forderung einzutreiben, ergebnislos</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">verlaufen sind oder wenn keine Absicht besteht, die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.17pt\">Betreibung aktiv fortzusetzen.</span></div><span class=\"f charStyle-02ed52cc ps1633\">Entwicklung von Buchwerten, Wertminderungen und </span><div class=\"ps187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps1633\">Stufen <span class=\"f ps37\"> </span></span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die folgende Tabelle gibt einen \u00dcberblick f\u00fcr die Entwicklung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der IFRS-Buchwerte (netto, abz\u00fcglich Wertberichtigungen)</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:111.32pt\">\u00fcber die jeweiligen Stufen:</span></div><div class=\"ps2555 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung von Buchwerten nach Stufe</span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss572\"><div><div class=\"ps8056 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3584 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss573\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1336\">Er\u00f6ffnungsbil<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8057\">anz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8058\">Erh\u00f6hungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8060\">Originierung </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8061\">und Erwerb</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss573\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4377\">R\u00fcckg\u00e4nge <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8062\">R\u00fcckzahlung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8063\">\u00c4nderungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8064\">an </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8065\">existierenden </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8066\">Buchwerten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss573\"><div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps3137\">Schlussbilanz<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps854 ss574\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der Stufe 1<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4418 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps684\">63.063<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4419 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.881<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4420 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4421 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.642<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4422 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps684\">65.690<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5542 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5544 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">31.937<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5545 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.344<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5546 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.717<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5547 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.411<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5548 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.154<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3623 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8067 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">12.686<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8068 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.408<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8069 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.297<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8070 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.257<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3626 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">13.541<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6839 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8071 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">18.421<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8072 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6844 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.591<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6845 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-3.972<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6846 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.982<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3590 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8073 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">17<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8074 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8075 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8076 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8077 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps631 ss574\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der Stufe 2<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2086 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.928<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps632 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">357<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps633 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps623\">-156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps634 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps708\">-63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps635 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.066<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1718 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4442 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.458<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4443 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">355<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4444 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-111<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1719 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-144<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1721 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.558<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5282 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8078 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">469<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8079 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8080 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-44<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8081 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">81<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8082 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">508<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3598 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8083 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8084 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8085 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8086 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8087 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps659 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8088 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps660 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps661 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps663 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps664 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2699 ss574\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der Stufe 3<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2700 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">571<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2701 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps650\">77<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2702 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps623\">-125<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2703 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2704 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">619<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps907 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8089 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">468<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8090 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">72<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8091 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8092 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">82<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8093 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">587<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps120 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8094 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">103<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8095 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8096 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-88<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8097 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8098 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5584 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5585 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5586 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5587 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4136 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2729 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2730 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2731 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2732 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2733 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2734 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3752 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8099 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps650\">54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8100 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps622\">211<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8101 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8102 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8103 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps622\">251<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2374 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8104 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8105 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">211<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5677 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2375 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2376 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">248<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2166 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2169 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2170 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2171 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2172 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2173 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6929 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8106 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8107 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8108 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8109 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8110 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8111 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8112 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8113 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8114 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8115 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8116 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2307 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8117 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">65.616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8118 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">18.526<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8119 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.895<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2309 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.620<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2310 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">68.626<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8120 ss575\"><div><div class=\"ps4208 ss17\"><span class=\"f charStyle-5ee25b5a ps36\">Nur IFRS-9-relevante Buchwerte werden gezeigt.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Entwicklung von Wertminderungen nach Stufe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss572\"><div><div class=\"ps8056 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3584 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss573\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1336\">Er\u00f6ffnungsbil<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8057\">anz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8058\">Erh\u00f6hungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8060\">Originierung </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8061\">und Erwerb</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss573\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4377\">R\u00fcckg\u00e4nge <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8062\">R\u00fcckzahlung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8063\">\u00c4nderungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8064\">an </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8065\">existierenden </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8066\">Buchwerten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss573\"><div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps3137\">Schlussbilanz<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps854 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Wertberichtigungen Stufe 1 (ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4418 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4419 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">62<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4420 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4421 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4422 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3800 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8121 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8122 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6182 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8123 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8124 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">88<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3586 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8125 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8126 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6186 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8127 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8128 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2065 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2068 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2069 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2070 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2071 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2072 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2073 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2076 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2077 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2078 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2079 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3590 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Wertberichtigungen Stufe 2 (ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8073 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8074 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8075 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8076 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8077 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3592 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8129 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">61<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8130 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8131 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8132 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">98<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3594 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8137 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1355 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8142 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8143 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps746 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8144 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps747 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps748 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps749 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps750 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3598 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Wertberichtigungen Stufe 3 (ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8083 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">242<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8084 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8085 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8086 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">53<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8087 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">308<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3600 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8145 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">219<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8146 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">43<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8147 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8148 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">52<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8149 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">295<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7457 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8151 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8152 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8153 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8154 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5437 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8155 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8156 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8157 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8158 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8159 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5502 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8160 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8161 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8162 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8163 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8164 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps120 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8094 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8098 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8165 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8166 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8167 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1115 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1116 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1118 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8168 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8169 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8170 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8171 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8172 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8173 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8174 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8175 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8176 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8177 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8178 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8179 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8180 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8181 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8182 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8183 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8184 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8185 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3755 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8186 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8187 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">133<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8188 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8189 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8190 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8191 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die folgende Tabelle gibt einen \u00dcberblick \u00fcber den Transfer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8192 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:239.69pt\">von Wertminderung zwischen Stufen im Laufe des Jahres:</span></div><div class=\"ps8199 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Transfer von Wertminderungen zwischen Stufen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">34<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8200 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Transfer von Wertminderungen zwischen Stufen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Ratingverteilung von Buchwerten nach Stufen</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die folgenden Zahlen beziehen sich auf IFRS-Buchwerte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:197.56pt\">(abz\u00fcglich der Vorsorgen f\u00fcr die Stufen 1 bis 3).</span></div><div class=\"ps3127 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:153pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"19\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss576\"><div><div class=\"ps6608 ss3\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps4269 ss3\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8203 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8204 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4477 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8205 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8206 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8207 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps3026\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps4875\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2548 ss579\"><div><div class=\"ps624 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 1</span></div><div class=\"ps1792 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8208 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps6383\">19.424<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7694 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8209\">7.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8210 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8209\">9.770<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8211 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps6383\">20.355<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8212 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8209\">7.867<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7697 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8213\">459<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8215 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8214\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8217 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8218 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps6383\">65.690<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2941 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8220 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.002<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8221 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">3.907<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8222 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">8.504<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8223 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">15.689<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8224 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">6.536<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8225 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">458<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8226 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8227 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8228 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">36.154<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2944 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8229 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">4.077<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8230 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">3.030<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8231 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.003<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8232 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">4.124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8233 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.304<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8235 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8236 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8237 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8238 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">13.541<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2891 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8239 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">14.345<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8240 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">819<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8241 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">255<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8242 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">537<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8243 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8244 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8245 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8246 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8247 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">15.982<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6839 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8248 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8249 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8250 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8251 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8252 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6844 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8253 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8254 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8255 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7431 ss583\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 2</span></div><div class=\"ps2567 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8256 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8257 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8214\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8258 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8214\">57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8259 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">290<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8260 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">754<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8261 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">544<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8262 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">400<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8263 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8264 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8209\">2.066<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps884 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8265 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4229 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8266 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8267 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">204<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8268 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">407<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4232 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">471<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8269 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">397<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8270 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8271 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.558<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1094 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8272 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4235 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8273 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8274 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">85<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8275 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">347<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1095 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">73<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8276 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8277 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8278 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">508<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1098 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8279 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4238 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8280 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8281 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8282 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1099 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8283 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8284 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8285 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1102 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8286 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8287 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8288 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8289 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8290 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1103 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8291 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8292 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8293 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3251 ss583\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 3</span></div><div class=\"ps2567 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8294 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8295 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8296 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8297 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8298 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5718 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8299 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8300 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">619<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8301 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">619<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps907 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8302 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8303 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8304 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8305 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8306 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8091 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8307 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8308 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">587<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8309 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">587<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5298 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8310 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8311 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8312 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8313 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8314 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8315 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8316 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8317 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">33<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8318 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5301 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8319 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8320 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8321 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8322 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8323 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8324 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8325 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8326 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8327 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5304 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8328 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8329 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8330 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8331 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8332 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8333 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8334 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8335 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8336 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8337 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8338 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8339 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8340 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8234\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8341 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8342 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">86<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8343 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8344 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">56<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8345 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8213\">251<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4699 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8346 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8347 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8348 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8349 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8350 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8351 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">85<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8352 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8353 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8354 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">248<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5312 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8355 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8356 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8357 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8358 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8359 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8360 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8361 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8362 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8363 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5317 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8364 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8365 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8366 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8367 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8368 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8369 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8370 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8371 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8372 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4813 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8373 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8374 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8375 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8376 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8377 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8378 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8379 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8380 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8381 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7056 ss585\"><div><div class=\"ps6145 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8382 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps6383\">19.424<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8383 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">7.778<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8384 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">9.827<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8385 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps6383\">20.645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8386 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">8.697<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8387 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">1.089<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8388 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8213\">490<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8389 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8213\">676<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8390 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps6383\">68.626<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8391 ss587\"><div><div class=\"ps4208 ss3\"><span class=\"f charStyle-5ee25b5a ps36\">Nur IFRS-9-ECL-relevante Buchwerte werden gezeigt.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div></div><div class=\"ps797 ss0\"><div class=\"ss518 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:155.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"19\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss589\"><div><div class=\"ps4211 ss588\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss588\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8395 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8396 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8397 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4477 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8398 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2544 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8399 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8400 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8403 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8401\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8402\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss592\"><div><div class=\"ps40 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 1</span></div><div class=\"ps2027 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8405 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8404\">20.705<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8407 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">6.699<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8408 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">7.877<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4489 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8404\">21.655<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8409 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">5.669<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8410 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">365<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8411 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3438\">93<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8412 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8413 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8404\">63.063<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2941 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8414 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">970<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8415 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">3.705<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8416 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">6.283<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8223 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">16.265<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8417 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">4.258<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8418 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">364<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8419 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">93<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8420 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8421 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">31.937<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2944 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8422 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">3.207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8423 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">2.155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8424 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">1.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8232 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">4.837<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8425 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">1.316<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8427 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8428 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8429 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8430 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">12.686<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2891 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8431 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">16.529<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8432 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">829<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8433 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">417<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8242 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">552<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8434 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8435 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8436 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8437 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8438 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">18.421<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6839 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8439 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8440 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8441 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8251 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8442 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8443 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8444 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8445 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8446 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">17<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7431 ss592\"><div><div class=\"ps40 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 2</span></div><div class=\"ps2027 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8447 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8448 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8449 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8259 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8450 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8451 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">466<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8452 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">387<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8453 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8454 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">1.928<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2770 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8455 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8456 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8457 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8458 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">286<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8459 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">347<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8460 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">408<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8461 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">385<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8462 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8463 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">1.458<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps888 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8464 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8465 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8466 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8467 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">167<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8468 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">243<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8469 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8470 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8471 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8472 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">469<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2775 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8473 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8474 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8475 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8476 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8477 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8478 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8479 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8480 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8481 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2778 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8482 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8483 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8484 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8485 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8486 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8487 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8488 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8489 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8490 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1106 ss592\"><div><div class=\"ps40 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 3</span></div><div class=\"ps2027 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8491 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8492 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8493 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8494 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8495 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8496 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8497 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8498 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">571<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8499 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">571<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps678 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8500 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8501 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8502 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8503 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8504 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8505 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8506 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8507 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">468<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8508 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">468<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps683 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8509 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8510 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8511 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8512 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8513 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8514 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8515 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8516 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">103<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8517 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">103<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8518 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8519 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8520 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8521 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8522 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8523 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8524 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8525 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8526 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8527 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8528 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8529 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8530 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8531 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8532 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8533 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8534 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8535 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4144 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8536 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8537 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3438\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8538 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8539 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8540 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8426\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8541 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8426\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8542 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8426\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8543 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3438\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8544 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3438\">54<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8545 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8546 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8547 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8548 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8549 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8550 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8551 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8552 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8553 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">50<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5603 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8554 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8555 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8556 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8557 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8558 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8559 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8560 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8561 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8562 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5610 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8563 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8564 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8565 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8566 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8567 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8568 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8569 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8570 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8571 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8572 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8573 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8574 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8575 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8576 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8577 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8578 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8579 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8580 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8581 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8582 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8583 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8404\">20.705<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8584 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8406\">6.733<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8585 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8406\">7.893<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8586 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8404\">22.107<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8587 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8406\">6.259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8588 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps7398\">838<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8589 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps7398\">486<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8590 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps7398\">594<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8591 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8404\">65.616<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8592 ss596\"><div><div class=\"ps4208 ss588\"><span class=\"f charStyle-5ee25b5a ps36\">Nur IFRS-9-ECL-relevante Buchwerte werden gezeigt.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><span class=\"f charStyle-02ed52cc ps1633\">Neuartige Risiken und Post-Modell-Anpassungen</span><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">BAWAGs ECL-Berechnungen basieren auf historischen Daten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und beobachteten Zusammenh\u00e4ngen, um die k\u00fcnftige</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Entwicklung der erwarteten Kreditverluste vorherzusehen.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Allerdings kann die vollst\u00e4ndige Erfassung von bestimmten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risiken in historischen Datens\u00e4tzen eingeschr\u00e4nkt sein, sodass</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">diese m\u00f6glicherweise au\u00dferhalb des Umfangs der Modelle</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">liegen. Dies betrifft vor allem neuartige Risiken wie</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">geopolitische Unsicherheiten, klimarelevante</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Herausforderungen, Lieferkettenunterbrechungen, Pandemien</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">sowie abrupte Inflations- und Zinssatz-Schwankungen. Daher</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wendet der Konzern ein Framework an, das proaktiv solche</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:62.5pt\">Risiken erfasst.</span><span class=\"f charStyle-34546584 ps8594\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG ist bestrebt, ihre ECL-Modelle laufend</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">weiterzuentwickeln, um sicherzustellen, dass sie die sich stetig</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">\u00e4ndernden Wirtschafts- und Marktbedingungen weiterhin</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">angemessen und pr\u00e4zise widerspiegeln. Diese Anpassungen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">umfassen eine regelm\u00e4\u00dfige \u00dcberarbeitung und Rekalibrierung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:219.14pt\">der PD-, LGD- und CCF-Modelle f\u00fcr alle Assetklassen.</span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Dar\u00fcber hinaus hat die BAWAG ein systematisches Verfahren</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zur Identifizierung der besagten neuartiger Risiken und zur</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Bewertung ihrer m\u00f6glichen Auswirkungen auf verschiedene</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Portfolios etabliert. Dieser Prozess wird kontinuierlich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">angewendet, um festzustellen, ob Ma\u00dfnahmen wie Post-</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Modell-Anpassungen oder kollektive Stufen\u00e4nderung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">notwendig sind. In diesem Zusammenhang wurden keine</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sch\u00e4tzunsicherheiten, die zus\u00e4tzliche Ma\u00dfnahmen erfordern,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:50.68pt\">identifiziert.</span></div><span class=\"f charStyle-02ed52cc ps8596\">Sensitivit\u00e4tsanalyse</span><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die folgende Tabelle veranschaulicht den gewichteten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erwarteten Kreditverlust sowie die Ergebnisse der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Sensitivit\u00e4tsanalyse, bei der die ECLs unter jedem Szenario mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">einer Gewichtung von 100% gemessen werden. Die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sensitivit\u00e4tsanalyse basiert auf dem kalkulierten ECL von</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:47pt\">202\u00a0Mio. \u20ac.</span><span class=\"f charStyle-34546584 ps8597\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Ergebnisse der Sensitivit\u00e4tsanalyse variieren von einem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">ECL-R\u00fcckgang von -47 Mio. \u20ac, wenn das optimistische Szenario</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">mit 100% gewichtet wird, bis zu einer ECL-Erh\u00f6hung von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">83\u00a0Mio. \u20ac, wenn das pessimistische Szenario mit 100%</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:67.28pt\">gewichtet wird..</span></div><div class=\"ps8605 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss288\"><div><div class=\"ps281 ss287\"><span class=\"f charStyle-c5fdbd46 ps8598\">ECL-Szenario-\u00c4nderungen</span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss597\"><div><div class=\"ps2640 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps296 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2057\">ECL Total<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2058\">Optimistisch</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8600\">Baseline</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8601\">Pessimistisch</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2885 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Stufe 1 &amp; Stufe 2 Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8602 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">202<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8603 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8604 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5541 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">83<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8606 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss288\"><div><div class=\"ps281 ss287\"><span class=\"f charStyle-c5fdbd46 ps8598\">ECL-Szenario-\u00c4nderungen</span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss597\"><div><div class=\"ps2640 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps296 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2057\">ECL Total<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2058\">Optimistisch</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8600\">Baseline</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8601\">Pessimistisch</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2885 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Stufe 1 &amp; Stufe 2 Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8602 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">118<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8603 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8604 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5541 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfAssetsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-656": {
   "value": "<div class=\"ps255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Barreserve</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die Barreserve beinhaltet Kassenbest\u00e4nde, Guthaben bei</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zentralnotenbanken und Sichteinlagen bei Kreditinstituten.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die Darstellung in der Bilanz erfolgt zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:86.11pt\">Anschaffungskosten.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyToDetermineComponentsOfCashAndCashEquivalents",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-657": {
   "value": "<div class=\"ps257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Bilanzierung von Sicherungsbeziehungen (Hedge Accounting)</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Die BAWAG hat sich entschieden, weiterhin Hedge Accounting</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:114.48pt\">gem\u00e4\u00df IAS 39 anzuwenden.</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die BAWAG verwendet Fair-Value-Hedge-Accounting, um</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Absicherungen gegen Zins\u00e4nderungsrisiken bei</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">festverzinslichen Finanzinstrumenten darzustellen. Als</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Sicherungsgesch\u00e4fte werden \u00fcberwiegend Zinsswaps</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">verwendet. Die Grundgesch\u00e4fte umfassen Wertpapiere der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kategorie \u201eIm sonstigen Ergebnis ausgewiesene zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Verm\u00f6genswerte\u201c sowie Eigene Emissionen, Kundeneinlagen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und Forderungen an Kunden, die zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Anschaffungskosten bewertet werden. Die BAWAG wendet die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Vorschriften zur Bilanzierung der Absicherung von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Zahlungsstr\u00f6men (\u201eCashflow Hedge\u201c) nach IAS 39 f\u00fcr mit</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">hoher Wahrscheinlichkeit eintretende zuk\u00fcnftige</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zahlungsstr\u00f6me aus bestimmten Fremdw\u00e4hrungsportfolien</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">an. Als Sicherungsgesch\u00e4fte werden Cross-Currency-Swaps</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:128.42pt\">sowie FX-Outrights verwendet.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Nach den allgemeinen Regelungen werden Derivate als</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Handelsaktiva oder Handelspassiva klassifiziert und zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">beizulegenden Zeitwert (Fair Value) bewertet. Das</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bewertungsergebnis wird in der Position \u201eGewinne und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Verluste aus finanziellen Verm\u00f6genswerten und Schulden\u201c als</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Gewinne (Verluste) aus finanziellen Verm\u00f6genswerten im</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Handelsbestand ausgewiesen. Werden Derivate zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Absicherung von Risiken aus Nichthandelsgesch\u00e4ften</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">eingesetzt, wendet die BAWAG bei Erf\u00fcllung der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Voraussetzungen gem\u00e4\u00df IAS 39 Hedge Accounting</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:183.03pt\">(Bilanzierung von Sicherungsgesch\u00e4ften) an.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zu Beginn des Hedge Accountings werden die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Sicherungsbeziehung zwischen Grund- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Sicherungsgesch\u00e4ft, die Ziele des Risikomanagements und die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Methode zur Messung der Effektivit\u00e4t der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Sicherungsbeziehung dokumentiert. Die BAWAG \u00fcberpr\u00fcft am</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Beginn der Sicherungsbeziehung sowie zumindest an jedem</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Bilanzstichtag, ob die Kompensation der \u00c4nderungen der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">beizulegenden Zeitwerte aus Grund- und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sicherungsgesch\u00e4ften in Bezug auf das abgesicherte Risiko in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:104.25pt\">hohem Ma\u00dfe effektiv ist.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Das Zinsrisiko, f\u00fcr das der Konzern Hedge Accounting</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">anwendet, ergibt sich aus festverzinslichen Emissionen,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kundeneinlagen, Darlehen und festverzinslichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Schuldverschreibungen, deren beizulegender Zeitwert bei</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u00c4nderung der Referenzzinss\u00e4tze schwankt. Der Konzern sichert</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zins\u00e4nderungsrisiken nur im Rahmen von Referenzzinss\u00e4tzen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">ab, da die Marktwert\u00e4nderungen eines festverzinslichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verm\u00f6genswertes oder einer Verbindlichkeit wesentlich durch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">\u00c4nderungen des Referenzzinssatzes beeinflusst werden. Hedge</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Accounting wird angewendet, wenn wirtschaftliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sicherungsbeziehungen die Kriterien des Hedge Accounting</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:34.97pt\">erf\u00fcllen.</span><span class=\"f charStyle-34546584 ps2429\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG verfolgt einen konservativen Ansatz bei der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Steuerung ihrer Markt- und Zinsrisiken. Die Zinsrisikoposition</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">wird strategisch auf IFRS-Konzernebene gesteuert und auf</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Basis der \u00f6konomischen Sichtweise sowie nach der IFRS-</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bewertungskategorie (FVTPL, FVTOCI) gemessen, limitiert und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">gesteuert. Der Zinsrisikomanagementansatz konzentriert sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">auf die Reduktion von Marktrisiken und nutzt dabei nat\u00fcrliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Absicherungsm\u00f6glichkeiten der Bilanz sowie Derivate zur</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:122.03pt\">Steuerung der Risikoposition.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Das Fremdw\u00e4hrungsrisiko, f\u00fcr das der Konzern Cashflow</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Hedge Accounting anwendet, ergibt sich aus zuk\u00fcnftigen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zahlungsstr\u00f6men von Fremdw\u00e4hrungsportfolien, deren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beizulegender Zeitwert bei \u00c4nderung des FX-Kurses schwankt.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zur Absicherung des Fremdw\u00e4hrungsrisikos kommen im</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Konzern sowohl FX-Outrights als auch Cross-Currency-Swaps</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">zur Anwendung, da deren Marktwertver\u00e4nderung im</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wesentlichen von der \u00c4nderung des FX-Kurses beeinflusst</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:21.18pt\">wird.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">W\u00e4hrungsrisiken werden als gering eingestuft, da die BAWAG</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">eine Strategie zur Absicherung von W\u00e4hrungsrisiken</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">resultierend aus Kapital- und Zinszahlungen verfolgt. Die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risikoposition wird t\u00e4glich \u00fcberwacht und innerhalb enger</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Limite gesteuert. Dar\u00fcber hinaus wendet der Konzern</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Cashflow-Hedge-Accounting an, um das Fremdw\u00e4hrungsrisiko</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:249.97pt\">aus zuk\u00fcnftig erwarteten Spread-Einnahmen zu minimieren.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Durch den Einsatz derivativer Finanzinstrumente zur</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Absicherung von Zins\u00e4nderungs- und Fremdw\u00e4hrungsrisiken</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">setzt sich der Konzern auch dem Kreditrisiko der derivativen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gegenpartei aus, das nicht durch das abgesicherte</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Grundgesch\u00e4ft ausgeglichen wird. Die Gruppe minimiert das</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kontrahentenausfallsrisiko bei derivativen Instrumenten,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">indem sie Gesch\u00e4fte mit qualitativ hochwertigen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Gegenparteien abschlie\u00dft und von den Gegenparteien</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:243.01pt\">verlangt, Sicherheiten zu stellen und \u00fcber CCPs zu clearen.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bei Vorliegen von effektiven Sicherungsbeziehungen, die zur</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verringerung des Marktwertrisikos eingesetzt werden, wendet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:187.12pt\">die BAWAG Fair-Value-Hedge-Accounting an.</span></div><div class=\"ps248 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Mikro-Fair-Value-Hedge</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Beim Mikro-Fair-Value-Hedge werden ein finanzieller</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verm\u00f6genswert oder eine finanzielle Verbindlichkeit oder eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gruppe von gleichartigen finanziellen Verm\u00f6genswerten oder</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">finanziellen Verbindlichkeiten gegen Marktwert\u00e4nderungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">abgesichert. Wert\u00e4nderungen von Grund- und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Sicherungsgesch\u00e4ft werden in derselben Periode in der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Gewinn- und Verlustrechnung im Posten \u201eGewinne und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verluste aus finanziellen Verm\u00f6genswerten und Schulden\u201c</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erfasst. Dabei wird das Sicherungsinstrument erfolgswirksam</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">zum Fair Value angesetzt und das Grundgesch\u00e4ft um jene Fair-</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Value-\u00c4nderungen erfolgswirksam fortgeschrieben, die sich in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:178.81pt\">Bezug auf das abgesicherte Risiko ergeben.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Sobald das Sicherungsgesch\u00e4ft ver\u00e4u\u00dfert, ausge\u00fcbt oder f\u00e4llig</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">wird oder wenn die Voraussetzungen f\u00fcr die Qualifikation zum</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Hedge Accounting nicht mehr erf\u00fcllt sind, wird die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:197.23pt\">Bilanzierung der Sicherungsbeziehung beendet.</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Bis zu diesem Zeitpunkt erfolgte Bewertungsanpassungen des</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Grundgesch\u00e4fts werden \u00fcber die Restlaufzeit verteilt in der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:157.64pt\">Gewinn- und Verlustrechnung erfasst.</span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">F\u00fcr andere Arten von Anpassungen des beizulegenden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zeitwerts beziehungsweise bei Ver\u00e4u\u00dferung oder</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">anderweitiger Ausbuchung der durch eine Absicherung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">beizulegenden Zeitwerts gesicherten Verm\u00f6genswerte oder</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verbindlichkeiten werden die Anpassungen des beizulegenden</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zeitwerts bei der Ermittlung des bei Ausbuchung realisierten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:156.95pt\">Gewinns oder Verlusts ber\u00fccksichtigt.</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Da die wesentlichen Bewertungsparameter der Swaps und der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">entsprechenden Grundgesch\u00e4fte gleich sind, f\u00fchrt die BAWAG</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">eine qualitative prospektive Effektivit\u00e4tsbeurteilung durch. Es</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">wird erwartet, dass sich der Wert der Swaps und der Wert der</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">entsprechenden Grundgesch\u00e4fte in Abh\u00e4ngigkeit von der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zinsver\u00e4nderung in entgegengesetzter Richtung \u00e4ndern</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">werden. Die Hauptursache f\u00fcr die Ineffektivit\u00e4t von</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sicherungsgesch\u00e4ften ist, dass zur Bestimmung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">beizulegenden Zeitwerts von Sicherungsgesch\u00e4ften und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">gesicherten Grundgesch\u00e4ften unterschiedliche</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Diskontierungskurven verwendet werden (OIS vs. IBOR-</span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:54.77pt\">Discounting).</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Portfolio-Fair-Value-Hedge</span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Die BAWAG wendet die Vorschriften zur Bilanzierung der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Absicherung des beizulegenden Zeitwerts eines Portfolios</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">gegen Zins\u00e4nderungsrisiken an. Im Rahmen der Bilanzierung</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">hat der Konzern Sichteinlagen in Euro wie auch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Kundenforderungen mit Zinsober- und Zinsuntergrenzen sowie</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Fixzinskredite als Portfolien identifiziert, die gegen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zins\u00e4nderungsrisiken abgesichert werden sollen. Diese werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">entsprechend den erwarteten R\u00fcckzahlungs- und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zinsanpassungsterminen in Laufzeitb\u00e4nder eingeteilt. Als</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Grundgesch\u00e4ft f\u00fcr den Portfolio-Fair-Value-Hedge bestimmt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">die BAWAG aus dem identifizierten Portfolio einen Betrag von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verbindlichkeiten respektive Forderungen, der abgesichert</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">werden soll. Die Zu- und Abg\u00e4nge werden unter Anwendung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Bodensatzmethode (\u201eBottom-Layer-Approach\u201c) zun\u00e4chst</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">dem nicht designierten Teil der identifizierten Portfolien</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zugeordnet. Die BAWAG wendet hierbei den EU-Carve-out zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">IAS 39 an, der es erm\u00f6glicht, Sichteinlagen und \u00e4hnliche</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Instrumente auf Basis der erwarteten Abhebungs- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">F\u00e4lligkeitstermine als Bestandteil einer Sicherungsbeziehung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zu designieren. Der EU-Carve-out zu IAS 39 erm\u00f6glicht auch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:167.04pt\">die Anwendung der Bodensatzmethode.</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">F\u00fcr die bilanzielle Abbildung werden die Wert\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Grundgesch\u00e4fte, die auf das abgesicherte Risiko</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zur\u00fcckzuf\u00fchren sind, als separater Bilanzposten unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bewertungsanpassungen f\u00fcr gegen Zins\u00e4nderungsrisiken</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">abgesicherte Portfolien in der Bilanz erfasst. Wert\u00e4nderungen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">von Grund- und Sicherungsgesch\u00e4ft werden in derselben</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Periode in der Gewinn- und Verlustrechnung im Posten</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u201eGewinne und Verluste aus finanziellen Verm\u00f6genswerten und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:75.28pt\">Schulden\u201c erfasst.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Neben dem oben im Mikro-Fair-Value-Hedge-Abschnitt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">genannten Grund (OIS / IBOR-Basisspread) treten Ineffizienzen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">im Portfolio-Fair-Value-Hedge-Accounting auf, wenn das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Volumen der Absicherungsgesch\u00e4fte das tats\u00e4chliche Exposure</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:158.65pt\">der gesicherten Positionen \u00fcbersteigt.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Cashflow-Hedge</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die BAWAG wendet die Vorschriften zur Bilanzierung der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Absicherung von Zahlungsstr\u00f6men (\u201eCashflow Hedge\u201c) nach</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">IAS 39 f\u00fcr mit hoher Wahrscheinlichkeit eintretende</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zuk\u00fcnftige Zahlungsstr\u00f6me aus bestimmten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:124.02pt\">Fremdw\u00e4hrungsportfolien an.</span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die BAWAG hat zuk\u00fcnftige Margeneink\u00fcnfte aus GBP-, CHF-</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und USD-Verm\u00f6genswerten als Grundgesch\u00e4fte identifiziert,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">welche gegen das Risiko schwankender Zahlungsstr\u00f6me aus</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:260.06pt\">der Ver\u00e4nderung von Fremdw\u00e4hrungskursen abzusichern sind.</span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">IAS 39 erlaubt Teile von hochwahrscheinlichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zahlungsstr\u00f6men als Grundgesch\u00e4ft zu designieren. Die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">BAWAG widmet jeweils die ersten Zahlungsstr\u00f6me f\u00fcr eine</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:170.77pt\">definierte Zeitperiode als Grundgesch\u00e4ft.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Ver\u00e4nderungen aus dem beizulegenden Zeitwert der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Sicherungsinstrumente werden in der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gesamtergebnisrechnung unter \u201eCashflow-Hedge-R\u00fccklage\u201c</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">gezeigt. H\u00e4tte die BAWAG 2025 die Bestimmungen des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Cashflow Hedge nicht angewandt, w\u00e4re ein Gewinn von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.96pt\">71\u00a0Mio.\u00a0\u20ac (2024: Verlust von 57\u00a0Mio.\u00a0\u20ac) in der Gewinn- und</span><span class=\"f charStyle-34546584 ps1370\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verlustrechnung unter \u201eGewinne und Verluste aus finanziellen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:232.32pt\">Verm\u00f6genswerten und Schulden\u201c ausgewiesen worden.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Neben dem oben im Mikro-Fair-Value-Hedge-Abschnitt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">genannten Grund (OIS / IBOR-Basisspread) treten Ineffizienzen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">im Cashflow-Hedge-Accounting auf, wenn die erwarteten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Cashflows die tats\u00e4chlichen Cashflows der gesicherten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:98.46pt\">Positionen \u00fcbersteigen.</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Absicherung einer Nettoinvestition in einen ausl\u00e4ndischen </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Gesch\u00e4ftsbetrieb</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die BAWAG wendet das Net Investment Hedge Accounting</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gem\u00e4\u00df IAS 39 f\u00fcr Nettoinvestitionen in Tochtergesellschaften</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:206.06pt\">an, deren funktionale W\u00e4hrung nicht der Euro ist.</span><span class=\"f charStyle-34546584 ps2430\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die Absicherung einer Nettoinvestition nach IAS 39 wird zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Minderung der Auswirkungen in der Gewinn- und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verlustrechnung aus Instrumenten zur Absicherung des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Fremdw\u00e4hrungsrisikos angewendet. Das abgesicherte Risiko</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">ist definiert als das Fremdw\u00e4hrungsrisiko, das sich aus der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">funktionalen W\u00e4hrung des ausl\u00e4ndischen Gesch\u00e4ftsbetriebs</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">(derzeit CHF und USD) und der funktionalen W\u00e4hrung des</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:167.88pt\">Mutterunternehmens, dem Euro, ergibt.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Das Sicherungsinstrument wird zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">bewertet, wobei der effektive Teil seiner Ver\u00e4nderungen im</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">sonstigen Gesamtergebnis in einer separaten Komponente des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Eigenkapitals erfasst wird. Jeder ineffektive Teil des Gewinns</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">oder Verlusts aus dem Sicherungsinstrument wird in der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Gewinn- und Verlustrechnung erfasst, wenn die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Marktwert\u00e4nderung des Sicherungsinstruments die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Marktwert\u00e4nderung des gesicherten Grundgesch\u00e4fts</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:45.12pt\">\u00fcbersteigt.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Im sonstigen Gesamtergebnis werden die Wert\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sicherungsinstrumente unter Absicherung einer</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Nettoinvestition in ausl\u00e4ndische Gesch\u00e4ftsbetriebe</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">ausgewiesen. Im Jahr 2025 w\u00e4ren Fair-Value-Gewinne in H\u00f6he</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.95pt\">von 22,3\u00a0Mio.\u00a0\u20ac (2024: Verluste von 8,8\u00a0Mio.\u00a0\u20ac) in der Position</span><span class=\"f charStyle-34546584 ps2431\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Gewinne und Verluste aus Finanzinstrumenten in der Gewinn-</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">und Verlustrechnung ausgewiesen worden, wenn die BAWAG</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:243.33pt\">kein Net Investment Hedge Accounting angewendet h\u00e4tte.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Ineffizienzen aus der Absicherung einer Nettoinvestition</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">ergeben sich aus dem Sicherungsinstrument (Terminkontrakt),</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">das einen Fremdw\u00e4hrungsbasisspread enth\u00e4lt, der nicht im</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Grundgesch\u00e4ft (der Nettoinvestition) enthalten ist. Dar\u00fcber</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">hinaus kann es zu einer Ineffektivit\u00e4t kommen, wenn der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Buchwert der Nettoinvestition unter den urspr\u00fcnglich</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gewidmeten Betrag f\u00e4llt oder wenn das abgesicherte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Grundgesch\u00e4ft und das Sicherungsinstrument</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">unterschiedlichen Kontrahentenrisiken unterliegen (z.B. OIS-</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:177.87pt\">Diskontierung des Sicherungsinstruments).</span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForHedgingExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-658": {
   "value": "<div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Finanzgarantien</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Finanzgarantien sind vertragliche Vereinbarungen, die den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Garantiegeber dazu verpflichten, bestimmte Zahlungen zu</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">leisten, um den Garantienehmer f\u00fcr einen Verlust zu</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">entsch\u00e4digen, der dadurch entsteht, dass ein bestimmter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Schuldner unter den Bedingungen eines Schuldtitels f\u00e4llige</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:97.33pt\">Zahlungen nicht leistet.</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Im Zuge der gew\u00f6hnlichen Gesch\u00e4ftst\u00e4tigkeit begibt die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">BAWAG Finanzgarantien. Die Erstbewertung der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Finanzgarantie erfolgt mit dem Fair Value zum</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Erfassungszeitpunkt. Im Rahmen der Folgebewertung wird</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:255.46pt\">\u00fcberpr\u00fcft, ob eine R\u00fcckstellung gem\u00e4\u00df IFRS 9 erforderlich ist.</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Ist die BAWAG Garantienehmer, wird eine Finanzgarantie, die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">integraler Vertragsbestandteil ist, nicht in der Bilanz erfasst,</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">jedoch als Sicherheit ber\u00fccksichtigt, wenn eine</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Wertminderung der garantierten Verm\u00f6genswerte beurteilt</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wird. Die BAWAG betrachtet Garantien als integral, wenn sie</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zum oder nahe am Beginn des garantierten finanziellen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerts abgeschlossen werden. F\u00fcr Details siehe</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:35.73pt\">Note 28.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinancialGuaranteesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-659": {
   "value": "<div class=\"ps257 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Methoden der Fair-Value-Ermittlung von Finanzinstrumenten</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG zieht zur Beurteilung eines \u201eaktiven Marktes\u201c</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">eines Wertpapieres neben Minimumanforderungen (z.B.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Emissionsgr\u00f6\u00dfe, B\u00f6rsenotiz) Informationen aus</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Handelssystemen (quotierte Volumina, H\u00e4ufigkeit der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Preisstellung) zur Ermittlung der Markttiefe und Liquidit\u00e4t</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:26.86pt\">heran.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Derivate</span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">F\u00fcr die Bewertung von b\u00f6rsengehandelten Gesch\u00e4ften, z.B.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Futures und Futureoptionen, werden B\u00f6rsenkurse</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">herangezogen. Details werden im Anhang unter Note 34</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.93pt\">dargestellt. Einige grunds\u00e4tzliche Angaben seien vorangestellt:</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">Das grundlegende Bewertungsmodell bei Plain-Vanilla-OTC-</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.04pt\">Optionen ist das Optionspreismodell nach Black-Scholes,</span><span class=\"f charStyle-c790e326 ps171\" style=\"width:2.34pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">welches je nach Underlying differiert. Fremdw\u00e4hrungsoptionen</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.04pt\">werden nach dem Garman-Kohlhagen-Modell und</span><span class=\"f charStyle-c790e326 ps171\" style=\"width:2.34pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.01pt\">Zinsoptionen werden nach Black bzw. Hull-White bewertet,</span><span class=\"f charStyle-c790e326 ps150\" style=\"width:2.34pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.02pt\">wobei bei Caps/Floors und Swaptions in W\u00e4hrungen mit</span><span class=\"f charStyle-c790e326 ps148\" style=\"width:2.34pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:229.83pt\">negativen Zinsen das Bachelier-Modell verwendet wird.</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.06pt\">Der Gesamtwert eines Zinsswaps ergibt sich aus den</span><span class=\"f charStyle-c790e326 ps146\" style=\"width:2.34pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.03pt\">Barwerten der fixen und der variablen Seite des Swaps. Bei</span><span class=\"f charStyle-c790e326 ps160\" style=\"width:2.34pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262pt\">Cross-Currency-Swaps (CCS) wird ebenso pro Leg der Barwert</span><span class=\"f charStyle-c790e326 ps167\" style=\"width:2.34pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262pt\">in der jeweiligen Transaktionsw\u00e4hrung ermittelt, der dann in</span><span class=\"f charStyle-c790e326 ps167\" style=\"width:2.34pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.06pt\">die funktionale W\u00e4hrung der Konzerngesellschaft umgerechnet</span><span class=\"f charStyle-c790e326 ps146\" style=\"width:2.34pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:81.59pt\">und summiert wird.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.02pt\">Bei Devisentermingesch\u00e4ften wird der vereinbarte Terminkurs,</span><span class=\"f charStyle-c790e326 ps148\" style=\"width:2.34pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.03pt\">der von den W\u00e4hrungs- und Zinsentwicklungen der beiden</span><span class=\"f charStyle-c790e326 ps160\" style=\"width:2.34pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">W\u00e4hrungen abh\u00e4ngt, dem aktuellen Terminkurs am</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:262.05pt\">Bilanzstichtag gegen\u00fcbergestellt und daraus der Wert</span><span class=\"f charStyle-c790e326 ps152\" style=\"width:2.34pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-c790e326 ps2\" style=\"width:43.25pt\">errechnet.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Credit Default Swaps (CDS) werden mittels Duffie-Singleton-</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Modell bewertet. Dabei wird auf Basis der Credit Spread Curve</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">die Default Probability Curve (Hazard Rate) ermittelt, mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">deren Hilfe das Protection Leg berechnet wird. Der Marktwert</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">des CDS ergibt sich dann durch Summierung des Protection</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:96.17pt\">und des Premium Legs.</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die BAWAG bestimmt f\u00fcr Bonit\u00e4tsrisiken von OTC-Derivaten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ein Credit (CVA) bzw. ein Debt Value Adjustment (DVA).</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Grunds\u00e4tzlich werden interne Ausfallswahrscheinlichkeiten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(PD) zur Berechnung herangezogen, als Verwertungsquote</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:168.23pt\">(REC) wird standardm\u00e4\u00dfig 0,4 angesetzt.</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">F\u00fcr diese Kontrahenten wird zur Bestimmung des EPE/ENE</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(Expected Positive/Negative Exposure) ein \u201eMarktwert + Add-</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">on\u201c-Modell verwendet. Die Add-on-Berechnung erfolgt f\u00fcr</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">jede Gesch\u00e4ftsart und W\u00e4hrung getrennt und wird</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">grunds\u00e4tzlich aus am Markt beobachtbaren Parametern</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:44.53pt\">abgeleitet.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Sofern ein Nettingagreement vorliegt, werden auch</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nettingeffekte auf Kundenebene innerhalb von Gesch\u00e4ften</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:198.89pt\">selben Typs und selber W\u00e4hrung ber\u00fccksichtigt.</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:205.93pt\">Aus den Diskonts\u00e4tzen, der Kontrahenten-PD und</span><span class=\"f charStyle-34546584 ps2432\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps1602\" style=\"width:261.95pt\">-Verlustquote (1-REC) sowie dem EPE bestimmt sich der CVA</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">bzw. aus der BAWAG PD und -Verlustquote sowie dem ENE der</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:20.52pt\">DVA.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Sofern die Risikoabschlagsrate nicht aus Markttransaktionen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">abgeleitet werden kann, wird diese vom Management</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gesch\u00e4tzt. Dies betrifft insbesondere Non-Payment-Risiken</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aufgrund von rechtlichen Unsicherheiten, die nicht vom</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">allgemeinen Credit Spread des Kunden abgeleitet werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">k\u00f6nnen. Sofern die BAWAG davon ausgeht, dass das Gesch\u00e4ft</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">rechtswirksam zustande gekommen ist, weist die Bank auch im</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Falle einer Einrede einen Verm\u00f6genswert aus dem positiven</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:240.47pt\">Marktwert des Gesch\u00e4fts gegen\u00fcber der Gegenpartei aus.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zur Bewertung von finanziellen Verm\u00f6genswerten, deren</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Parameter nicht von Markttransaktionen abgeleitet werden</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">k\u00f6nnen, wird der erwartete Cashflow (samt Verzugszinsen,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">sofern vertraglich vereinbart) wahrscheinlichkeitsgewichtet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">und auf den Tag der Wertermittlung abgezinst. Sind die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">rechtliche Entstehung der Forderung oder ihr Fortbestand im</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Hinblick auf eventuelle Nichtigkeitsgr\u00fcnde oder eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Anfechtung streitig, werden diese rechtlichen Bedenken somit</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:174.67pt\">im Rahmen der Bewertung ber\u00fccksichtigt.</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Im Falle einer Aufl\u00f6sung (Close-out) eines derivativen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gesch\u00e4fts mit einem Kunden ver\u00e4ndert sich die Art der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Forderung der BAWAG. Vor der Vertragsaufl\u00f6sung handelte es</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">sich bei dem Verm\u00f6genswert um ein Derivat, nach dem Close-</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">out um eine vertragliche Forderung, deren H\u00f6he sich nicht</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">mehr in Abh\u00e4ngigkeit von Marktparametern \u00e4ndert. Die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Forderung erf\u00fcllt daher nicht mehr die Definition eines</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:94.82pt\">Derivats gem\u00e4\u00df IFRS 9.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Durch die vorzeitige Beendigung eines Derivatgesch\u00e4fts wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">die Variabilit\u00e4t der Zahlungsstr\u00f6me in Bezug auf H\u00f6he und</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Eintrittszeitpunkt wesentlich ver\u00e4ndert und das urspr\u00fcngliche</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Derivat durch einen neuen Verm\u00f6genswert ersetzt. Dessen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">erstmaliger Ansatz erfolgt nach IFRS 9.5.1.1 zum Fair Value.</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Fair Value entspricht dem Buchwert des Derivats zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zeitpunkt der Vertragsaufl\u00f6sung, welcher dabei auch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">s\u00e4mtliche bis zum Zeitpunkt der Aufl\u00f6sung (Close-out)</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vorgenommenen Bewertungsanpassungen umfasst. Eine aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der Vertragsaufl\u00f6sung entstandene Forderung erf\u00fcllt die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Voraussetzungen nach IFRS 9.4.1.2 zur Einordnung in die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:157.96pt\">Kategorie \u201eKredite und Forderungen\u201c.</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Diese Vorgehensweise wurde in Anlehnung an IFRS 9.3.3.2 und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">IFRS 9.3.2.7 gew\u00e4hlt, da in IFRS 9 keine expliziten Regelungen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bestehen, wie vorzugehen ist, wenn ein Finanzinstrument</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zun\u00e4chst die Merkmale eines Derivats erf\u00fcllt und in sp\u00e4terer</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Folge diese Merkmale nicht mehr erf\u00fcllt werden. Solche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Regelungsl\u00fccken sind gem\u00e4\u00df IAS 8.10 bis 8.12 durch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Anwendung einer \u00e4hnlichen Regelung in den IFRS und unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:200.61pt\">Bedachtnahme auf das Framework zu schlie\u00dfen.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Credit Linked Notes</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Die Bewertung von Credit Linked Notes, f\u00fcr die keine aktiven</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">M\u00e4rkte existieren, erfolgt anhand von Bewertungsmodellen.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Credit Linked Notes (CLNs) sind Schuldverschreibungen, deren</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">R\u00fcckzahlungsh\u00f6he von bestimmten vertraglich vereinbarten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Ereignissen abh\u00e4ngt. In der Regel sind es</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Schuldverschreibungen, die neben dem Ausfall des Emittenten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">synthetisch (via Credit Default Swap, CDS) auch das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ausfallsrisiko einer oder mehrerer weiterer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Referenzschuldverschreibungen tragen. Die Bewertung von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">CLNs ergibt sich aus Bond- bzw. CDS-Spreads von Emittent und</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:250.67pt\">Referenzschuldverschreibung, Kupon sowie der Restlaufzeit.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">F\u00fcr die Bewertungen komplexer Strukturen werden auch</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Bewertungen externer Experten herangezogen, die einer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:171.95pt\">Plausibilit\u00e4tspr\u00fcfung unterzogen werden.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Bewertung der Asset Backed Investments</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Jede Position des Collateralized-Loan-Obligation(CLO)-</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Portfolios der BAWAG unterliegt den monatlichen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bewertungen, die auf Basis des Bewertungstools von Moody\u2019s</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Analytics durchgef\u00fchrt werden. Der Bewertungsprozess wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">innerhalb der CDOnet-Funktionalit\u00e4t von Moody\u2019s Structured</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Finance Solutions auf Basis der Barwertmethodik</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">durchgef\u00fchrt. Das Modell verwendet die bereits in Moody\u2019s</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Structured Finance verf\u00fcgbaren Inputs (z.B. Cashflows,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">origin\u00e4re Spreads f\u00fcr jede Tranche, Weighted Average</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Maturity usw.) sowie zus\u00e4tzliche Parameter (haupts\u00e4chlich die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Spreads f\u00fcr die Diskontierung am relevanten Bewertungstag),</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die unabh\u00e4ngig vom Marktrisiko aus vergleichbaren CLO-</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Tranchen (in Bezug auf Bonit\u00e4t, CLO-Art, durchschnittliche</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Subordination usw.) abgeleitet werden. Als Quelle f\u00fcr aktuelle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Diskontierungsspreads werden einerseits das Moody\u2019s</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Structured Finance Portal, andrerseits weitere externe</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:234.09pt\">Datenquellen (z.B. Wells Fargo Securities) herangezogen</span><span class=\"f charStyle-34546584 ps2433\" style=\"width:2.62pt\">.</span><span class=\"f charStyle-34546584 ps2434\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Bewertung von Beteiligungen</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Zur Ermittlung des Fair Value der Beteiligungen wurden die</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">geplanten Aussch\u00fcttungen mit dem jeweils der Beteiligung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zugrunde liegenden marktbezogenen Diskontierungssatz nach</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Steuern abgezinst. Diese Prognosen ber\u00fccksichtigen die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aktuellsten Forecasts, einschlie\u00dflich der beobachteten und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">erwarteten Auswirkungen des Russland-Ukraine-Konflikts und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">weiterer globaler Risiken auf die Rentabilit\u00e4t der betreffenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:60.84pt\">Unternehmen.</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zur Ermittlung des Nutzungswerts von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Beteiligungsunternehmens wurden die geplanten m\u00f6glichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Dividenden herangezogen und f\u00fcr die Barwertermittlung mit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">dem jeweils zugrunde liegenden marktbezogenen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:179.9pt\">Diskontierungssatz nach Steuern abgezinst.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Der f\u00fcr die Bewertung herangezogene Planungshorizont</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">bel\u00e4uft sich im Regelfall auf f\u00fcnf Jahre. Die zugrunde gelegten</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">langfristigen Wachstumsraten liegen bei Going-Concern-</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Betrachtung in der Regel bei 1,0%. Soweit erforderlich,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">wurden entsprechende unternehmensspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewinnthesaurierungen im Rahmen der Ermittlung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Continuing Values und der detaillierten Planungsphase</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:61.07pt\">ber\u00fccksichtigt.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Der Diskontierungssatz nach Steuern setzt sich aus den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Komponenten risikoloser Basiszinssatz, l\u00e4nderspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Marktrisikopr\u00e4mie sowie Betafaktor zusammen. Zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.14pt\">31.\u00a0Dezember 2025 werden folgende Werte herangezogen:</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">Als risikoloser Basiszinssatz (3,54%) wird die gem\u00e4\u00df der</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Svensson-Methode aus den von der Deutschen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Bundesbank ver\u00f6ffentlichten Parametern errechnete 30-</span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">j\u00e4hrige Spotrate herangezogen (2024: 2,59%; 30-j\u00e4hrige</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:41.58pt\">Spotrate).</span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Als Anhaltspunkt f\u00fcr die l\u00e4nderspezifische</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Marktrisikopr\u00e4mie dienen die Damodaran-Homepage und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">die Empfehlung der Kammer der Wirtschaftstreuh\u00e4nder.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Die BAWAG verwendet f\u00fcr die Ermittlung des</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Diskontierungszinssatzes eine nominelle Marktrendite von</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">9,5% (2024: 9,5%). Unter Ber\u00fccksichtigung des risikoloser</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Basiszinssatzes von 3,54% wurde sich eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:220.15pt\">Marktrisikopr\u00e4mie von 5,96% (2024: 6,91%) gew\u00e4hlt.</span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Bei der Ermittlung des Betafaktors f\u00fcr Banken und</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Finanzdienstleistungsunternehmen (0,88) wird der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Mittelwert des w\u00f6chentlichen Zweijahresdurchschnitts von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">zehn an europ\u00e4ischen B\u00f6rsen notierenden Banken mit</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Schwerpunkt Retail-Gesch\u00e4ft herangezogen. Zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Vermeidung von nicht nachhaltigen \u00dcberbetonungen des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Marktes aufgrund von einmaligen Ereignissen und Krisen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">wird ein rollierender Betafaktor abgeleitet, es werden \u00fcber</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">12 Quartale die Zwei-Jahres-Betas der Peer-Group gebildet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">und daraus der Mittelwert herangezogen (rollierendes</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1534 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Beta). Als Quelle dient hierf\u00fcr Bloomberg. F\u00fcr die Peer</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1535 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">Group qualifizieren sich nur Banken mit einem R\u00b2</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">(Determinationskoeffizient) von zumindest 0,15 und / oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">einem Wert f\u00fcr den t-Test (Hypothesentest) von zumindest</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">1,98. Der Betafaktor f\u00fcr Nichtbanken betr\u00e4gt 1,0</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">(ausgenommen f\u00fcr B\u00f6rsen mit einem Betafaktor von 0,82),</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">welcher eine spezifische Gr\u00f6\u00dfe f\u00fcr Nichtbanken und kein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">allgemeines Marktrisiko darstellt. (2024: Bei der Ermittlung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">des Betafaktors f\u00fcr Banken und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Finanzdienstleistungsunternehmen (0,93) wird der</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Mittelwert des w\u00f6chentlichen Zweijahresdurchschnitts von</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">zehn an europ\u00e4ischen B\u00f6rsen notierenden Banken mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Schwerpunkt Retail-Gesch\u00e4ft herangezogen. Zur</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Vermeidung von nicht nachhaltigen \u00dcberbetonungen des</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Marktes aufgrund von einmaligen Ereignissen und Krisen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">wird ein rollierender Betafaktor abgeleitet, es werden \u00fcber</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">12 Quartale die Zwei-Jahres-Betas der Peer-Group gebildet</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">und daraus der Mittelwert herangezogen (rollierendes</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">Beta). Als Quelle dient hierf\u00fcr Bloomberg. F\u00fcr die Peer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">Group qualifizieren sich nur Banken mit einem R\u00b2</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">(Determinationskoeffizient) von zumindest 0,15 und / oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">einem Wert f\u00fcr den t-Test (Hypothesentest) von zumindest</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">1,98. Der Betafaktor f\u00fcr Nichtbanken betr\u00e4gt 1,0</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">(ausgenommen f\u00fcr B\u00f6rsen mit einem Betafaktor von 0,81),</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">welcher eine spezifische Gr\u00f6\u00dfe f\u00fcr Nichtbanken und kein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps956\" style=\"width:142.11pt\">allgemeines Marktrisiko darstellt.)</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFairValueMeasurementExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-660": {
   "value": "<div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">\u00dcbertragung von Finanzinstrumenten</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Ausbuchung eines finanziellen Verm\u00f6genswerts erfolgt,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">sobald die wirtschaftlichen Ergebnisse aus dem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument dem Konzern nicht mehr zustehen, d.h.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">regelm\u00e4\u00dfig dann, wenn die Rechte und Pflichten aus dem</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinstrument auf einen Dritten durch Aus\u00fcbung,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Ver\u00e4u\u00dferung oder Abtretung \u00fcbergehen bzw. der Konzern die</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.61pt\">Verf\u00fcgungsmacht verloren hat oder wenn die Rechte verfallen.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bei \u00dcbertragungen von finanziellen Verm\u00f6genswerten, bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">denen die BAWAG ma\u00dfgebliche Rechte und Verpflichtungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zur\u00fcckbehalten hat, erfolgt weiterhin ein Ausweis in der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:61.1pt\">Konzernbilanz.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Eine Verbindlichkeit wird ausgebucht, wenn die mit ihr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:248.65pt\">verbundene Verpflichtung beglichen oder aufgehoben wird.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDerecognitionOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-661": {
   "value": "<div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Pensionsgesch\u00e4fte sind Vertr\u00e4ge, durch die finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte gegen Zahlung eines Betrages \u00fcbertragen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden und in denen gleichzeitig vereinbart wird, dass die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">finanziellen Verm\u00f6genswerte sp\u00e4ter gegen Entrichtung eines</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">im Voraus vereinbarten Betrages an den Pensionsgeber</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zur\u00fcck\u00fcbertragen werden m\u00fcssen. Die finanziellen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerte verbleiben weiterhin in der Bilanz der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">BAWAG und werden nach den f\u00fcr den jeweiligen Bilanzposten</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">geltenden Regeln bewertet. Die aus den Liquidit\u00e4tszufl\u00fcssen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aus den Pensionsgesch\u00e4ften resultierenden Verpflichtungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden, je nach Zweck des Gesch\u00e4ftes, in den Handelspassiva</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">oder in der Position \u201eFinanzielle Verbindlichkeiten aus</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:171.59pt\">Verm\u00f6gens\u00fcbertragungen\u201c ausgewiesen.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bei Reverse-Repo-Gesch\u00e4ften werden finanzielle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verm\u00f6genswerte mit der gleichzeitigen Verpflichtung eines</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:192.63pt\">zuk\u00fcnftigen Verkaufs gegen Entgelt erworben.</span><span class=\"f charStyle-34546584 ps2437\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Als Wertpapierleihe werden Gesch\u00e4fte bezeichnet, bei denen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vom Verleiher Wertpapiere an den Entleiher \u00fcbereignet</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">werden mit der Verpflichtung, dass der Entleiher nach Ablauf</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der vereinbarten Zeit Papiere gleicher Art, G\u00fcte und Menge</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zur\u00fcck\u00fcbertr\u00e4gt und f\u00fcr die Dauer der Leihe ein Entgelt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">entrichtet. Die Bilanzierung der verliehenen Wertpapiere</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erfolgt analog zu Pensionsgesch\u00e4ften. Dabei verbleiben</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">verliehene Wertpapiere im Wertpapierbestand des Konzerns</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und werden nach den Regeln des IFRS 9 bewertet. Bei</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertpapierleihegesch\u00e4ften sind regelm\u00e4\u00dfig Sicherheiten zu</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">stellen. Vom Entleiher gestellte Wertpapiersicherheiten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:167.8pt\">werden von diesem weiterhin bilanziert.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-664": {
   "value": "<div class=\"ps255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Immaterielles Anlageverm\u00f6gen, Sachanlagen</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Unter den immateriellen Verm\u00f6genswerten werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">insbesondere erworbene Gesch\u00e4fts- und Firmenwerte und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">immaterielle Verm\u00f6genswerte wie Markennamen und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundenbeziehungen sowie sonstige erworbene oder selbst</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">erstellte immaterielle Verm\u00f6genswerte (vor allem Software)</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:114.66pt\">gem\u00e4\u00df IAS 38 ausgewiesen.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Immaterielle Verm\u00f6genswerte mit unbegrenzter</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Nutzungsdauer werden mit den Anschaffungskosten abz\u00fcglich</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertminderungen und zuz\u00fcglich Wertaufholungen angesetzt.</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Marken werden als immaterielle Verm\u00f6genswerte mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">unbestimmter Nutzungsdauer nicht abgeschrieben. Ein</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">immaterieller Verm\u00f6genswert hat eine unbestimmte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Nutzungsdauer, wenn keine rechtlichen, vertraglichen,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">regulatorischen oder weiteren die Nutzungsdauer</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">limitierenden Faktoren bestehen. Die Bilanzierung der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">immateriellen Verm\u00f6genswerte des Anlageverm\u00f6gens und des</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Sachanlageverm\u00f6gens mit begrenzter Nutzungsdauer erfolgt</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zu Anschaffungs- bzw. Herstellungskosten abz\u00fcglich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">planm\u00e4\u00dfiger, linearer Abschreibung und Wertminderungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">und zuz\u00fcglich Wertaufholungen. Die Abschreibungss\u00e4tze bei</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">den Geb\u00e4uden betragen 2,0% bis 14,3% (2024:\u00a02,0% bis</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">14,3%), bei der Betriebs- und Gesch\u00e4ftsausstattung reichen sie</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">von 5,0% bis 33,3% (2024: 2,0% bis 50,0%) und bei den</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nutzungsrechten nach IFRS 16 reichen sie von 5,0% bis 60,0%</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">(2024: 5,0% bis 36,4%). Die erworbene und selbst erstellte</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Software, andere immaterielle Verm\u00f6genswerte und Rechte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">(mit Ausnahme der Firmenwerte und des Markennamens)</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">werden mit 2,8% bis 33,3% (2024: 2,8% bis 33,3%)</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">abgeschrieben. Kundenbeziehungen werden linear \u00fcber</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">durchschnittlich 8\u201330 Jahre (2024: durchschnittlich 8\u201330</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Jahre) abgeschrieben. Abschreibungsmethode und -dauer</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">werden j\u00e4hrlich gem\u00e4\u00df IAS 38 \u00fcberpr\u00fcft. F\u00fcr Details siehe</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:35.73pt\">Note 19.</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Bei ge\u00e4nderten Umst\u00e4nden wird die Nutzungsdauer</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">entsprechend der wirtschaftlichen Restnutzungsdauer</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:44.43pt\">angepasst.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Entwicklungskosten f\u00fcr selbst erstellte Software werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aktiviert, wenn die technische Umsetzbarkeit gegeben ist, die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Absicht zur Fertigstellung der Software besteht, zuk\u00fcnftiger</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">wirtschaftlicher Nutzen erzielt werden kann und die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">angefallenen Kosten verl\u00e4sslich ermittelt werden k\u00f6nnen.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwendungen f\u00fcr Vorstudien (Forschungskosten) werden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:60.28pt\">nicht aktiviert.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIntangibleAssetsOtherThanGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-663": {
   "value": "<div class=\"ps255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Immaterielles Anlageverm\u00f6gen, Sachanlagen</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Unter den immateriellen Verm\u00f6genswerten werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">insbesondere erworbene Gesch\u00e4fts- und Firmenwerte und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">immaterielle Verm\u00f6genswerte wie Markennamen und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundenbeziehungen sowie sonstige erworbene oder selbst</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">erstellte immaterielle Verm\u00f6genswerte (vor allem Software)</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:114.66pt\">gem\u00e4\u00df IAS 38 ausgewiesen.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Immaterielle Verm\u00f6genswerte mit unbegrenzter</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Nutzungsdauer werden mit den Anschaffungskosten abz\u00fcglich</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertminderungen und zuz\u00fcglich Wertaufholungen angesetzt.</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Marken werden als immaterielle Verm\u00f6genswerte mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">unbestimmter Nutzungsdauer nicht abgeschrieben. Ein</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">immaterieller Verm\u00f6genswert hat eine unbestimmte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Nutzungsdauer, wenn keine rechtlichen, vertraglichen,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">regulatorischen oder weiteren die Nutzungsdauer</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">limitierenden Faktoren bestehen. Die Bilanzierung der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">immateriellen Verm\u00f6genswerte des Anlageverm\u00f6gens und des</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Sachanlageverm\u00f6gens mit begrenzter Nutzungsdauer erfolgt</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zu Anschaffungs- bzw. Herstellungskosten abz\u00fcglich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">planm\u00e4\u00dfiger, linearer Abschreibung und Wertminderungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">und zuz\u00fcglich Wertaufholungen. Die Abschreibungss\u00e4tze bei</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">den Geb\u00e4uden betragen 2,0% bis 14,3% (2024:\u00a02,0% bis</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">14,3%), bei der Betriebs- und Gesch\u00e4ftsausstattung reichen sie</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">von 5,0% bis 33,3% (2024: 2,0% bis 50,0%) und bei den</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nutzungsrechten nach IFRS 16 reichen sie von 5,0% bis 60,0%</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">(2024: 5,0% bis 36,4%). Die erworbene und selbst erstellte</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Software, andere immaterielle Verm\u00f6genswerte und Rechte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">(mit Ausnahme der Firmenwerte und des Markennamens)</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">werden mit 2,8% bis 33,3% (2024: 2,8% bis 33,3%)</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">abgeschrieben. Kundenbeziehungen werden linear \u00fcber</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">durchschnittlich 8\u201330 Jahre (2024: durchschnittlich 8\u201330</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Jahre) abgeschrieben. Abschreibungsmethode und -dauer</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">werden j\u00e4hrlich gem\u00e4\u00df IAS 38 \u00fcberpr\u00fcft. F\u00fcr Details siehe</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:35.73pt\">Note 19.</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Bei ge\u00e4nderten Umst\u00e4nden wird die Nutzungsdauer</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">entsprechend der wirtschaftlichen Restnutzungsdauer</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:44.43pt\">angepasst.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Entwicklungskosten f\u00fcr selbst erstellte Software werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aktiviert, wenn die technische Umsetzbarkeit gegeben ist, die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Absicht zur Fertigstellung der Software besteht, zuk\u00fcnftiger</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">wirtschaftlicher Nutzen erzielt werden kann und die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">angefallenen Kosten verl\u00e4sslich ermittelt werden k\u00f6nnen.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwendungen f\u00fcr Vorstudien (Forschungskosten) werden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:60.28pt\">nicht aktiviert.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDepreciationExpenseExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-662": {
   "value": "<div class=\"ps255 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Immaterielles Anlageverm\u00f6gen, Sachanlagen</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Unter den immateriellen Verm\u00f6genswerten werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">insbesondere erworbene Gesch\u00e4fts- und Firmenwerte und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">immaterielle Verm\u00f6genswerte wie Markennamen und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundenbeziehungen sowie sonstige erworbene oder selbst</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">erstellte immaterielle Verm\u00f6genswerte (vor allem Software)</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:114.66pt\">gem\u00e4\u00df IAS 38 ausgewiesen.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Immaterielle Verm\u00f6genswerte mit unbegrenzter</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Nutzungsdauer werden mit den Anschaffungskosten abz\u00fcglich</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertminderungen und zuz\u00fcglich Wertaufholungen angesetzt.</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Marken werden als immaterielle Verm\u00f6genswerte mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">unbestimmter Nutzungsdauer nicht abgeschrieben. Ein</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">immaterieller Verm\u00f6genswert hat eine unbestimmte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Nutzungsdauer, wenn keine rechtlichen, vertraglichen,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">regulatorischen oder weiteren die Nutzungsdauer</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">limitierenden Faktoren bestehen. Die Bilanzierung der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">immateriellen Verm\u00f6genswerte des Anlageverm\u00f6gens und des</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Sachanlageverm\u00f6gens mit begrenzter Nutzungsdauer erfolgt</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zu Anschaffungs- bzw. Herstellungskosten abz\u00fcglich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">planm\u00e4\u00dfiger, linearer Abschreibung und Wertminderungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">und zuz\u00fcglich Wertaufholungen. Die Abschreibungss\u00e4tze bei</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">den Geb\u00e4uden betragen 2,0% bis 14,3% (2024:\u00a02,0% bis</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">14,3%), bei der Betriebs- und Gesch\u00e4ftsausstattung reichen sie</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">von 5,0% bis 33,3% (2024: 2,0% bis 50,0%) und bei den</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nutzungsrechten nach IFRS 16 reichen sie von 5,0% bis 60,0%</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">(2024: 5,0% bis 36,4%). Die erworbene und selbst erstellte</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Software, andere immaterielle Verm\u00f6genswerte und Rechte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">(mit Ausnahme der Firmenwerte und des Markennamens)</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">werden mit 2,8% bis 33,3% (2024: 2,8% bis 33,3%)</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">abgeschrieben. Kundenbeziehungen werden linear \u00fcber</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">durchschnittlich 8\u201330 Jahre (2024: durchschnittlich 8\u201330</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Jahre) abgeschrieben. Abschreibungsmethode und -dauer</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">werden j\u00e4hrlich gem\u00e4\u00df IAS 38 \u00fcberpr\u00fcft. F\u00fcr Details siehe</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:35.73pt\">Note 19.</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Bei ge\u00e4nderten Umst\u00e4nden wird die Nutzungsdauer</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">entsprechend der wirtschaftlichen Restnutzungsdauer</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:44.43pt\">angepasst.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Entwicklungskosten f\u00fcr selbst erstellte Software werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aktiviert, wenn die technische Umsetzbarkeit gegeben ist, die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Absicht zur Fertigstellung der Software besteht, zuk\u00fcnftiger</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">wirtschaftlicher Nutzen erzielt werden kann und die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">angefallenen Kosten verl\u00e4sslich ermittelt werden k\u00f6nnen.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwendungen f\u00fcr Vorstudien (Forschungskosten) werden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:60.28pt\">nicht aktiviert.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForPropertyPlantAndEquipmentExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-665": {
   "value": "<div class=\"ps54 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Zuwendungen der \u00f6ffentlichen Hand</span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zuwendungen der \u00f6ffentlichen Hand werden im</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Konzernabschluss der BAWAG erfasst, wenn angemessene</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Sicherheit dar\u00fcber besteht, dass diese gew\u00e4hrt und die damit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">verbundenen Bedingungen von der BAWAG erf\u00fcllt werden. Die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zuwendungen beziehen sich auf die Anschaffung von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verm\u00f6genswerten, werden von den Anschaffungskosten des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">entsprechenden Verm\u00f6genswerts in Abzug gebracht und in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">den Folgeperioden im Zuge der Abschreibung dieser</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:170.19pt\">Verm\u00f6genswerte erfolgswirksam erfasst.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForGovernmentGrants",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-666": {
   "value": "<div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Der erfasste Gesamtbetrag an Zuwendungen der \u00f6ffentlichen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Hand bel\u00e4uft sich auf 0,3\u00a0Mio.\u00a0\u20ac. per 31. Dezember 2025</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">(2024: 0,4\u00a0Mio.\u00a0\u20ac). Dieser Betrag bezieht sich auf ein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Investitionsprogramm in \u00d6sterreich (\u201eInvestitionspr\u00e4mie\u201c), das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zur Unterst\u00fctzung der Wirtschaft in der COVID-19-Krise</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">angeboten wird und welches die Anschaffung von Sachanlagen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:190.33pt\">und immateriellen Verm\u00f6genswerten f\u00f6rdert.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGovernmentGrantsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-667": {
   "value": "<div class=\"ps259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Vermietete Grundst\u00fccke und Geb\u00e4ude</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Unter \u201eVermietete Grundst\u00fccke und Geb\u00e4ude\u201c werden jene</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Liegenschaften ausgewiesen, die gem\u00e4\u00df IAS 40.5 die Kriterien</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">einer als Finanzinvestition gehaltenen Immobilie (Investment</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Properties) erf\u00fcllen. Das sind jene Liegenschaften, die in erster</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Linie der Erzielung von Mieteinnahmen dienen. Einige</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Liegenschaften werden auch in geringem Ma\u00dfe selbst genutzt.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Da diese Teile jedoch nicht gesondert verkauft werden k\u00f6nnen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und gem\u00e4\u00df IAS 40.10 unbedeutend sind, werden diese als</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Gesamtes unter der Position \u201eVermietete Grundst\u00fccke und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Geb\u00e4ude\u201c ausgewiesen. Vermietete Grundst\u00fccke und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Geb\u00e4ude werden gem\u00e4\u00df IFRS mit dem beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">(Fair Value) bewertet. Der beizulegende Zeitwert ist der Preis,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">der beim Verkauf eines Verm\u00f6genswerts in einer geordneten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Transaktion zwischen Marktteilnehmern am</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Bewertungsstichtag erzielt w\u00fcrde. Die Bewertung ist somit</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">marktbasiert, nicht unternehmensspezifisch. F\u00fcr Immobilien</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">bedeutet dies, dass der Wert aus Sicht typischer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Marktteilnehmer \u2014 unter Ber\u00fccksichtigung aktueller</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Marktbedingungen \u2014 zu bestimmen ist. F\u00fcr gewerblich</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">genutzte Immobilien wird der beizulegende Zeitwert anhand</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">von Bewertungsgutachten, die durch qualifizierte Experten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">erstellt werden, festgelegt. Die Wertermittlung erfolgt durch</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Abzinsung der erwarteten zuk\u00fcnftigen Cash-Flows in diversen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Szenarien unter Ber\u00fccksichtigung externer beobachteter</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Marktdaten (wie Mietpreise, Verkaufspreise und cap rates</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:211.84pt\">vergleichbarer Immobilien [Lage, Gr\u00f6\u00dfe, Zustand]).</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentPropertyExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-668": {
   "value": "<div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Wertminderungstests</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Der beizulegende Zeitwert der Marken wird anhand einer</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">modifizierten Lizenzpreisanalogiemethode (der Brand-Equity-</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Methode) ermittelt. Bei der Ableitung des mit dem Ertrag vor</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Steuern der jeweiligen Profitcenter assoziierten Anteils der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">Marke werden sowohl die Relevanz als auch die St\u00e4rke der</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Marke ber\u00fccksichtigt. Nach Ermittlung des markenbezogenen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Ertrags werden die Zahlungsstr\u00f6me mit dem entsprechenden</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Diskontierungssatz abgezinst. Der beizulegende Zeitwert des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Markennamens entspricht dem Barwert aller marktbezogenen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:69.09pt\">Zahlungsstr\u00f6me.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Cashflow-Prognosen basieren auf den von der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Gesch\u00e4ftsf\u00fchrung des Unternehmens geplanten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Jahresgewinnen der n\u00e4chsten f\u00fcnf Jahre und einer ewigen</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Wachstumsrate (abh\u00e4ngig vom Gesch\u00e4ftsmodell 0,5% bis</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">1,0%) danach. Die nachhaltige Wachstumsrate wurde</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">basierend auf der Sch\u00e4tzung der langfristigen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">durchschnittlichen j\u00e4hrlichen Gewinnwachstumsrate ermittelt,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">die mit der Annahme, die ein Marktteilnehmer treffen w\u00fcrde,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">\u00fcbereinstimmt. Der Abzinsungssatz nach Steuern wurde f\u00fcr</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">die Zahn\u00e4rztekasse mit 7,34%, mit 9,15% f\u00fcr die Idaho First</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Bank und f\u00fcr die anderen Gesellschaften mit 8,75% festgelegt</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">(2024: Zahn\u00e4rztekasse mit 6,97%, mit 9,02% f\u00fcr die Idaho First</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Bank und f\u00fcr die anderen Gesellschaften mit 9,02% festgelegt).</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die Planungsannahmen f\u00fcr den Zeitraum 2026\u20132030 basieren</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">auf den wirtschaftlichen Annahmen der EZB und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">angemessenen Sch\u00e4tzungen der Risikokosten. Der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Planungsinput basiert auf der Gesch\u00e4ftsstrategie, die ein</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">organisches Wachstum im Kernmarkt und eine kontinuierliche</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:177.17pt\">Verbesserung der Produktpalette vorsieht.</span><span class=\"f charStyle-34546584 ps2439\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Des Weiteren wird bei immateriellen Verm\u00f6genswerten und</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">bei Sachanlagen jeweils zum Bilanzstichtag \u00fcberpr\u00fcft, ob</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Anhaltspunkte f\u00fcr eine Wertminderung vorliegen. Sofern diese</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vorliegen, wird hierbei der f\u00fcr den Verm\u00f6genswert erzielbare</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Betrag ermittelt. Dieser entspricht dem h\u00f6heren Betrag aus</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nutzwert und Nettover\u00e4u\u00dferungspreis. Sofern der erzielbare</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Betrag unter dem Buchwert liegt, wird gem\u00e4\u00df IAS 36 eine</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertminderung in H\u00f6he des Unterschiedsbetrags</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">vorgenommen. Details zu Wertminderungen und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:165.16pt\">Aufwertungen finden sich unter Note 9.</span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">Entsprechend IFRS 3 iVm IAS 36 und IAS 38 wird f\u00fcr alle</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zahlungsmittel generierenden Einheiten (CGU) eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">\u00dcberpr\u00fcfung der Werthaltigkeit der aktivierten Firmenwerte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">und Markenrechte durch einen j\u00e4hrlichen Impairmenttest</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps185\" style=\"width:165.96pt\">nach Ma\u00dfgabe des IAS 36 durchgef\u00fchrt.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForImpairmentOfNonfinancialAssetsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-669": {
   "value": "<div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">IFRS 16 Leases</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Definition von Leasingverh\u00e4ltnissen</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zu Beginn des Leasingverh\u00e4ltnisses wird beurteilt, ob ein</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Vertrag in den Anwendungsbereich von IFRS 16 f\u00e4llt. Das ist</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">der Fall, wenn es sich beim Leasinggegenstand um einen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">identifizierten Verm\u00f6genswert handelt, dem Leasingnehmer</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">alle wirtschaftlichen Vorteile aus der Nutzung zuflie\u00dfen und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der Leasingnehmer das Recht hat, \u00fcber den</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:145.84pt\">Verwendungszweck zu bestimmen.</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Leasinglaufzeit beginnt an dem Bereitstellungsdatum, das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">ist jener Tag, an dem der Leasinggeber das Objekt dem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Leasingnehmer zur Nutzung \u00fcberl\u00e4sst. Sie umfasst die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">unk\u00fcndbare Grundmietzeit sowie Zeitr\u00e4ume, in denen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">hinreichend sicher ist, dass der Leasingnehmer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verl\u00e4ngerungsoptionen aus\u00fcbt bzw. K\u00fcndigungsoptionen nicht</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">aus\u00fcbt. Zus\u00e4tzlich ber\u00fccksichtigt die BAWAG alle relevanten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Tatsachen, welche einen wirtschaftlichen Anreiz zur Aus\u00fcbung</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:163.97pt\">solcher Optionen geben. Beispiele sind:</span><span class=\"f charStyle-34546584 ps2441\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:232.75pt\">Bedeutung des Leasingobjekts f\u00fcr die Gesch\u00e4ftst\u00e4tigkeit</span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:163.93pt\">Umfang und Kosten von Mieteinbauten</span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:227.04pt\">Kosten in Bezug auf die K\u00fcndigung des Leasingvertrags</span><span class=\"f charStyle-34546584 ps2442\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">F\u00fcr die Bewertung der Leasingverbindlichkeit sind alle fixen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zahlungen, quasifixe (= variabel, aber unvermeidbar) sowie</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">variable Zahlungen, die an einen Index oder Zinssatz gebunden</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">sind, zu ber\u00fccksichtigen. Andere variable Zahlungen, wie</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">umsatz- oder nutzungsabh\u00e4ngige Zahlungen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Betriebskosten, werden nicht inkludiert, sondern</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:96.33pt\">erfolgswirksam erfasst.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Im BAWAG-Konzern gibt es befristete (mit und ohne</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verl\u00e4ngerungsoption) sowie unbefristete Vertragsverh\u00e4ltnisse.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Bestimmung der Leasingvertragslaufzeit erfolgt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">grundlegend zu Beginn der Nutzungs\u00fcberlassung. Befristete</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Vertr\u00e4ge ohne Verl\u00e4ngerungsoption werden mit einer Laufzeit</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">bis zu ihrem vertraglichen Enddatum angesetzt. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Leasingvertragslaufzeit f\u00fcr befristete Vertr\u00e4ge mit</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verl\u00e4ngerungsoption sowie unbefristete Vertr\u00e4ge wird in</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:243.13pt\">Einklang mit dem Investitionszyklus der BAWAG gesch\u00e4tzt.</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">BAWAG als Leasinggeber</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Ein Leasinggesch\u00e4ft wird als Finanzierungsleasing klassifiziert,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wenn es im Wesentlichen alle Chancen und Risiken, die mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">dem Eigentum verbunden sind, auf den Leasingnehmer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-355fba95 ps2\" style=\"width:258.02pt\">\u00fcbertr\u00e4gt. Demgegen\u00fcber gelten als Operating-Leasing-Verh\u00e4ltni</span><span class=\"f charStyle-34546584 ps2443\" style=\"width:4.01pt\">s</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">solche Vertragsverh\u00e4ltnisse, in denen der Leasingnehmer nicht</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:185.54pt\">alle wesentlichen Chancen und Risiken tr\u00e4gt.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Im Falle von Finanzierungsleasing (Finance Lease) werden die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Forderungen gegen\u00fcber den Leasingnehmern in H\u00f6he der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Barwerte der vertraglich vereinbarten Zahlungen unter</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Ber\u00fccksichtigung etwaiger Restwerte unter den</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:142.01pt\">Kundenforderungen ausgewiesen.</span><span class=\"f charStyle-34546584 ps2444\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Hingegen erfolgt im Falle von operativem Leasing (Operating</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Lease), bei dem die BAWAG als Eigent\u00fcmer alle Rechte und</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Pflichten an dem Leasinggegenstand beh\u00e4lt, der Ausweis unter</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">den Sachanlagen. F\u00fcr den jeweiligen Leasinggegenstand wird</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">eine entsprechende Abschreibung geltend gemacht. Die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Leasingzahlungen f\u00fcr Operating Lease und die Zinszahlungen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:229.94pt\">f\u00fcr Finance Lease werden erfolgswirksam vereinnahmt.</span><span class=\"f charStyle-34546584 ps2445\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">F\u00fcr die BAWAG stellt Operating Leasing ein unwesentliches</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:75.4pt\">Gesch\u00e4ftsfeld dar.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">BAWAG als Leasingnehmer</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Am Bereitstellungsdatum des Leasingverh\u00e4ltnisses werden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">sowohl ein Nutzungsrecht als auch eine Leasingverbindlichkeit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">bilanziell erfasst. Die Leasingverbindlichkeit wird in H\u00f6he des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Barwerts der Leasingzahlungen bewertet. F\u00fcr die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Diskontierung des Gro\u00dfteils der Leasingvertr\u00e4ge verwendet die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">BAWAG den Grenzfremdkapitalzinssatz, da der implizite</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zinssatz nicht ermittelt werden kann. Der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Grenzfremdkapitalzinssatz entspricht jenem Zinssatz, mit dem</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">sich die BAWAG am Markt refinanzieren kann. Dabei wird</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">angenommen, dass die Refinanzierung eine mit dem</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Leasingvertrag vergleichbare Laufzeit und Sicherheit aufweist.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">Da der Anteil der Leasingvertr\u00e4ge, die nicht auf Euro lauten,</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">unwesentlich ist, wird auf eine Refinanzierung in Euro</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:43.47pt\">abgestellt.</span><span class=\"f charStyle-34546584 ps2446\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Im Zuge der Folgebewertung wird die Leasingverbindlichkeit</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">um den Zinsaufwand auf den ausstehenden Betrag erh\u00f6ht und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">um Leasingzahlungen reduziert. Das Nutzungsrecht wird linear</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:178.34pt\">um die kumulierte Abschreibung reduziert.</span><span class=\"f charStyle-34546584 ps2447\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Die BAWAG wendet zwei Arten von Bilanzierungswahlrechten</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">f\u00fcr Leasingnehmer an, die der Standard f\u00fcr folgende</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:119.92pt\">Leasingverh\u00e4ltnisse vorsieht:</span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Kurzfristige Leasingverh\u00e4ltnisse mit einer Leasinglaufzeit</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:126.07pt\">von 12 Monaten oder weniger</span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:241.78pt\">Leasingverh\u00e4ltnisse von geringwertigem Leasingverm\u00f6gen</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Durch die Anwendung dieser Ausnahmeregelungen werden</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">die Leasingzahlungen nicht als Nutzungsrecht und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Leasingverbindlichkeit bilanziert, sondern wie bisher linear</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:239.98pt\">\u00fcber die Laufzeit als Mietaufwand erfolgswirksam erfasst.</span><span class=\"f charStyle-34546584 ps2448\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Bestehende Leasingvertr\u00e4ge unterliegen einer laufenden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Beurteilung, um signifikante Ereignisse zu ber\u00fccksichtigen, die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">sich auf die H\u00f6he der Leasingzahlungen oder auf die Laufzeit</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">auswirken, beispielsweise eine Anpassung der Leasingrate an</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">den aktuellen Index. In solchen F\u00e4llen wird die</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Leasingverbindlichkeit neu bewertet, um die \u00c4nderungen zu</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">reflektieren. Der neue Barwert wird entsprechend entweder</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">als Erh\u00f6hung oder Reduktion der urspr\u00fcnglichen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Verbindlichkeit verbucht. Das Nutzungsrecht wird in der Regel</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:135.26pt\">um denselben Betrag angepasst.</span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForLeasesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-671": {
   "value": "<div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Ertragsteuern und latente Steuern</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Der Ausweis und die Berechnung von Ertragsteuern erfolgen in</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">\u00dcbereinstimmung mit IAS 12 nach der bilanzorientierten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verbindlichkeitsmethode. Zur Berechnung werden jene</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">lokalen Steuers\u00e4tze herangezogen, die zum Zeitpunkt der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:252.49pt\">Erstellung des Konzernabschlusses rechtlich verbindlich sind.</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Latente Steueranspr\u00fcche und -verbindlichkeiten resultieren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">aus steuerlich und bilanziell unterschiedlichen Wertans\u00e4tzen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bilanzierter Verm\u00f6genswerte oder Verpflichtungen. Dies f\u00fchrt</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">in der Zukunft voraussichtlich zu Ertragsteuerbelastungs- oder</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">-entlastungseffekten (tempor\u00e4re Unterschiede). F\u00fcr noch nicht</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">genutzte steuerliche Verlustvortr\u00e4ge werden aktive latente</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Steuern dann angesetzt, wenn es wahrscheinlich ist, dass in</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Zukunft zu versteuernde Gewinne in der gleichen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Steuereinheit anfallen. Abzinsungen f\u00fcr latente Steuern</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:120.58pt\">werden nicht vorgenommen.</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Dem Ergebnis zuzurechnende Steueraufwendungen sind in der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Gewinn- und Verlustrechnung des Konzerns in der Position</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u201eSteuern vom Einkommen und Ertrag\u201c ausgewiesen und in den</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Erl\u00e4uterungen in laufende und latente Ertragsteuern</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">unterteilt. Sonstige, nicht ertragsabh\u00e4ngige Steuern werden in</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Position \u201eSonstige betriebliche Ertr\u00e4ge und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.82pt\">Aufwendungen\u201c ausgewiesen.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Es besteht eine Steuergruppe gem\u00e4\u00df \u00a7\u00a09 KStG mit der BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Group AG als Gruppentr\u00e4ger. Zum 31. Dezember 2025</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beinhaltete die Steuergruppe zus\u00e4tzlich zum Gruppentr\u00e4ger 22</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">in diesem Abschluss konsolidierte und nicht konsolidierte</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Gruppenmitglieder (2024: Gruppentr\u00e4ger und 23</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:84.76pt\">Gruppenmitglieder).</span><span class=\"f charStyle-34546584 ps2449\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Im Gesch\u00e4ftsjahr 2017 wurde mit Wirkung vom 1. J\u00e4nner 2018</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zwischen dem Gruppentr\u00e4ger und den einzelnen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Steuergruppenmitgliedern eine neue Gruppen- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Steuerumlagevereinbarung abgeschlossen. F\u00fcr die Ermittlung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der Steuerumlagen wurde die Belastungsmethode gew\u00e4hlt.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Diese Methode fingiert die steuerliche Selbstst\u00e4ndigkeit des</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">einzelnen Gruppenmitglieds. Das Gruppenmitglied wird</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">verpflichtet, unabh\u00e4ngig vom gesamten Gruppenergebnis eine</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Steuerumlage in H\u00f6he des jeweils geltenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">K\u00f6rperschaftsteuersatzes vom steuerlichen Gewinn zu</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">entrichten. Ein interner Verlustvortrag f\u00fcr an den</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Gruppentr\u00e4ger \u00fcbertragene steuerliche Verluste wird hierbei</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">ber\u00fccksichtigt bzw. evident gehalten. Sofern der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gruppentr\u00e4ger eine Mindestk\u00f6rperschaftsteuer zu tragen hat,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">wird daf\u00fcr keine Steuerumlage verrechnet. Ein</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Schlussausgleich hat bei Beendigung der Steuergruppe oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bei Ausscheiden eines Gruppenmitglieds f\u00fcr noch nicht</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:177.39pt\">verg\u00fctete steuerliche Verluste zu erfolgen.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Weiters wurde in der neuen Gruppen- und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Steuerumlagevereinbarung festgelegt, dass der Gruppentr\u00e4ger</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">auf die Nachverrechnung von Steuerumlagen f\u00fcr Zeitr\u00e4ume</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vor dem 1. J\u00e4nner 2018 verzichtet. Interne Verlustvortr\u00e4ge aus</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:233.08pt\">Zeitr\u00e4umen vor dem 1. J\u00e4nner 2018 werden fortgef\u00fchrt.</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Ein Austritt der BAWAG Group AG aus der Steuergruppe bzw.</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">s\u00e4mtlicher anderer Gruppenmitglieder \u2013 mit Ausnahme der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Neuzug\u00e4nge 2024 und 2025 \u2013 w\u00fcrde keine</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">K\u00f6rperschaftsteuer-Nachzahlung per 31. Dezember 2025</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">ergeben, da die in \u00a7\u00a09 (10) KStG geforderte Mindestdauer von</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">drei Jahren bereits erf\u00fcllt ist. Bei den in den Jahren 2024 und</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">2025 der Gruppe neu beigetretenen Gruppenmitgliedern</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">w\u00fcrde sich eine K\u00f6rperschaftsteuer-Nachzahlung von rund</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:141.78pt\">0\u00a0Mio.\u00a0\u20ac (2024: 0\u00a0Mio.\u00a0\u20ac) ergeben.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die BAWAG-Gruppe definiert die globale Mindeststeuer als</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">eine Ertragsteuer im Sinne von IAS 12. Sie wird als laufende</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Steuer bilanziert, wenn sie anf\u00e4llt. Die verpflichtende</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Befreiung f\u00fcr die Bilanzierung latenter Steuern wird</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:49pt\">angewandt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIncomeTaxExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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  "f-670": {
   "value": "<div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Ertragsteuern und latente Steuern</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Der Ausweis und die Berechnung von Ertragsteuern erfolgen in</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">\u00dcbereinstimmung mit IAS 12 nach der bilanzorientierten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verbindlichkeitsmethode. Zur Berechnung werden jene</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">lokalen Steuers\u00e4tze herangezogen, die zum Zeitpunkt der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:252.49pt\">Erstellung des Konzernabschlusses rechtlich verbindlich sind.</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Latente Steueranspr\u00fcche und -verbindlichkeiten resultieren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">aus steuerlich und bilanziell unterschiedlichen Wertans\u00e4tzen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bilanzierter Verm\u00f6genswerte oder Verpflichtungen. Dies f\u00fchrt</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">in der Zukunft voraussichtlich zu Ertragsteuerbelastungs- oder</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">-entlastungseffekten (tempor\u00e4re Unterschiede). F\u00fcr noch nicht</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">genutzte steuerliche Verlustvortr\u00e4ge werden aktive latente</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Steuern dann angesetzt, wenn es wahrscheinlich ist, dass in</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Zukunft zu versteuernde Gewinne in der gleichen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Steuereinheit anfallen. Abzinsungen f\u00fcr latente Steuern</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:120.58pt\">werden nicht vorgenommen.</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Dem Ergebnis zuzurechnende Steueraufwendungen sind in der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Gewinn- und Verlustrechnung des Konzerns in der Position</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u201eSteuern vom Einkommen und Ertrag\u201c ausgewiesen und in den</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Erl\u00e4uterungen in laufende und latente Ertragsteuern</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">unterteilt. Sonstige, nicht ertragsabh\u00e4ngige Steuern werden in</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Position \u201eSonstige betriebliche Ertr\u00e4ge und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.82pt\">Aufwendungen\u201c ausgewiesen.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Es besteht eine Steuergruppe gem\u00e4\u00df \u00a7\u00a09 KStG mit der BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Group AG als Gruppentr\u00e4ger. Zum 31. Dezember 2025</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beinhaltete die Steuergruppe zus\u00e4tzlich zum Gruppentr\u00e4ger 22</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">in diesem Abschluss konsolidierte und nicht konsolidierte</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Gruppenmitglieder (2024: Gruppentr\u00e4ger und 23</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:84.76pt\">Gruppenmitglieder).</span><span class=\"f charStyle-34546584 ps2449\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Im Gesch\u00e4ftsjahr 2017 wurde mit Wirkung vom 1. J\u00e4nner 2018</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zwischen dem Gruppentr\u00e4ger und den einzelnen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Steuergruppenmitgliedern eine neue Gruppen- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Steuerumlagevereinbarung abgeschlossen. F\u00fcr die Ermittlung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der Steuerumlagen wurde die Belastungsmethode gew\u00e4hlt.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Diese Methode fingiert die steuerliche Selbstst\u00e4ndigkeit des</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">einzelnen Gruppenmitglieds. Das Gruppenmitglied wird</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">verpflichtet, unabh\u00e4ngig vom gesamten Gruppenergebnis eine</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Steuerumlage in H\u00f6he des jeweils geltenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">K\u00f6rperschaftsteuersatzes vom steuerlichen Gewinn zu</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">entrichten. Ein interner Verlustvortrag f\u00fcr an den</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Gruppentr\u00e4ger \u00fcbertragene steuerliche Verluste wird hierbei</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">ber\u00fccksichtigt bzw. evident gehalten. Sofern der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gruppentr\u00e4ger eine Mindestk\u00f6rperschaftsteuer zu tragen hat,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">wird daf\u00fcr keine Steuerumlage verrechnet. Ein</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Schlussausgleich hat bei Beendigung der Steuergruppe oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bei Ausscheiden eines Gruppenmitglieds f\u00fcr noch nicht</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:177.39pt\">verg\u00fctete steuerliche Verluste zu erfolgen.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Weiters wurde in der neuen Gruppen- und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Steuerumlagevereinbarung festgelegt, dass der Gruppentr\u00e4ger</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">auf die Nachverrechnung von Steuerumlagen f\u00fcr Zeitr\u00e4ume</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vor dem 1. J\u00e4nner 2018 verzichtet. Interne Verlustvortr\u00e4ge aus</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:233.08pt\">Zeitr\u00e4umen vor dem 1. J\u00e4nner 2018 werden fortgef\u00fchrt.</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Ein Austritt der BAWAG Group AG aus der Steuergruppe bzw.</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">s\u00e4mtlicher anderer Gruppenmitglieder \u2013 mit Ausnahme der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Neuzug\u00e4nge 2024 und 2025 \u2013 w\u00fcrde keine</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">K\u00f6rperschaftsteuer-Nachzahlung per 31. Dezember 2025</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">ergeben, da die in \u00a7\u00a09 (10) KStG geforderte Mindestdauer von</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">drei Jahren bereits erf\u00fcllt ist. Bei den in den Jahren 2024 und</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">2025 der Gruppe neu beigetretenen Gruppenmitgliedern</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">w\u00fcrde sich eine K\u00f6rperschaftsteuer-Nachzahlung von rund</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:141.78pt\">0\u00a0Mio.\u00a0\u20ac (2024: 0\u00a0Mio.\u00a0\u20ac) ergeben.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die BAWAG-Gruppe definiert die globale Mindeststeuer als</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">eine Ertragsteuer im Sinne von IAS 12. Sie wird als laufende</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Steuer bilanziert, wenn sie anf\u00e4llt. Die verpflichtende</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Befreiung f\u00fcr die Bilanzierung latenter Steuern wird</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:49pt\">angewandt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForDeferredIncomeTaxExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-674": {
   "value": "<div class=\"ps61 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">R\u00fcckstellungen f\u00fcr Leistungen an Arbeitnehmer</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">R\u00fcckstellungen f\u00fcr Pensions- und Abfertigungsverpflichtungen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">sowie f\u00fcr Jubil\u00e4umsgelder werden gem\u00e4\u00df IAS 19 nach der</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Projected Unit Credit Method (dem</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Anwartschaftsbarwertverfahren) ermittelt. Der Barwert der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zum Bewertungsstichtag bestehenden Anspr\u00fcche wird</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aufgrund versicherungsmathematischer Gutachten unter</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Ber\u00fccksichtigung eines angemessenen Abzinsungssatzes und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zu erwartender Steigerungsraten der Geh\u00e4lter und Pensionen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">berechnet und als R\u00fcckstellung in der Konzernbilanz</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ausgewiesen. Versicherungsmathematische Gewinne und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Verluste aus Pensions- und Abfertigungsr\u00fcckstellungen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">werden im selben Gesch\u00e4ftsjahr zur G\u00e4nze im \u201eSonstigen</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:72.94pt\">Ergebnis\u201c erfasst.</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die wesentlichsten der versicherungsmathematischen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:202.68pt\">Berechnung zugrunde liegenden Parameter sind:</span></div><div class=\"ps2466 ss0\"><div class=\"ss99 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:117pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss100\"><div><div class=\"ps276 ss99\"><span class=\"f charStyle-9f85f029 ps36\">Parameter f\u00fcr Pensionsverpflichtungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss102\"><div><div class=\"ps276 ss101\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2452 ss104\"><div><div class=\"ps900 ss103\"><span class=\"f charStyle-584de24a ps2451\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2453 ss104\"><div><div class=\"ps900 ss103\"><span class=\"f charStyle-37455c2a ps2451\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps844 ss105\"><div><div class=\"ps40 ss101\"><span class=\"f charStyle-37455c2a ps36\">Rechnungszinssatz EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2455 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps2454\">4,00% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2456 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps2454\">3,40% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps849 ss105\"><div><div class=\"ps40 ss101\"><span class=\"f charStyle-37455c2a ps36\">Rechnungszinssatz CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2457 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps2454\">1,15% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2458 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps2454\">0,95% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps854 ss105\"><div><div class=\"ps40 ss101\"><span class=\"f charStyle-37455c2a ps36\">Rentendynamik<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2460 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps2459\">1,0%\u22122,0% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2461 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps2459\">1,0%\u22122,0% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss105\"><div><div class=\"ps40 ss101\"><span class=\"f charStyle-37455c2a ps36\">Fluktuationsabschlag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2463 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps2462\">0%\u221213,73% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2465 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps2464\">0%\u221215,0% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps797 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:131.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss107\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Parameter f\u00fcr Abfertigungsverpflichtungen und <span class=\"f ps37\"> </span></span></div><div class=\"ps2467 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Jubil\u00e4umsgelder</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss109\"><div><div class=\"ps1091 ss108\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2470 ss111\"><div><div class=\"ps281 ss110\"><span class=\"f charStyle-584de24a ps2469\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2471 ss111\"><div><div class=\"ps281 ss110\"><span class=\"f charStyle-37455c2a ps2469\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps300 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Rechnungszinssatz<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2473 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2472\">4,00% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2474 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2472\">3,40% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2475 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Gehaltsdynamik Abfertigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2476 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2472\">2,75% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2477 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2472\">2,75% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2341 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Gehaltsdynamik Jubil\u00e4umsgelder<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2478 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2472\">2,50% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2479 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2472\">2,50% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2480 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Fluktuationsabschlag Abfertigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2482 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2481\">0%\u22120,78% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2483 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2481\">0%\u22120,34% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1344 ss114\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Fluktuationsabschlag <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss108\"><span class=\"f charStyle-37455c2a ps36\">Jubil\u00e4umsgelder</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2485 ss115\"><div><div class=\"ps1717 ss110\"><span class=\"f charStyle-71900c34 ps2484\">0% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2486 ss115\"><div><div class=\"ps1717 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2481\">0%\u22127,10% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1839 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Pensionsalter<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2489 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2487\">60\u201365 Jahre</span><span class=\"f charStyle-dca7a473 ps2488\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2490 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-b27625d4 ps2487\">60\u201365 Jahre</span><span class=\"f charStyle-8e2bfe67 ps2488\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2492 ss116\"><div><div class=\"ps2491 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">1 Angenommen wurde jeweils individuell das fr\u00fchestm\u00f6gliche Pensionsalter gem\u00e4\u00df den </span></div><div class=\"ps277 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">gesetzlichen Bestimmungen (exkl. Korridorpensionen).</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2493 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Im Jahr 2025 wurde ein Rechnungszinssatz von 4,00%</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2495 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:107.1pt\">verwendet (2024: 3,40%).</span><span class=\"f charStyle-34546584 ps2494\" style=\"width:2.36pt\"> </span></div><div class=\"ps2496 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die in der BAWAG bestehenden Altersversorgungspl\u00e4ne mit</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2497 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">leistungsorientierten Zusagen werden vollst\u00e4ndig \u00fcber</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2498 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">R\u00fcckstellungen finanziert. Die von der Pensionskasse bekannt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2499 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">gegebenen zugeordneten Verm\u00f6gensteile, welche f\u00fcr</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2500 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">bestimmte Beg\u00fcnstigte eingerichtet wurden, werden auf die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2501 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:222.86pt\">ermittelten Pensionsr\u00fcckstellungswerte angerechnet.</span></div><div class=\"ps2502 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Durch die Altersversorgungspl\u00e4ne ist die BAWAG</span><span class=\"f charStyle-34546584 ps171\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps2503 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">versicherungstechnischen Risiken wie dem Zinsrisiko und dem</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2504 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:130.38pt\">Langlebigkeitsrisiko ausgesetzt.</span></div><div class=\"ps2505 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Pensionsanspr\u00fcche eines Gro\u00dfteils der Mitarbeiter sind</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2506 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beitragsorientierte Anspr\u00fcche. Die Zahlungen an die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2507 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Pensionskasse werden in der laufenden Periode als Aufwand</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2508 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">erfasst, dar\u00fcber hinausgehende Verpflichtungen bestehen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2509 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">nicht. Beitr\u00e4ge an Pensionskassen f\u00fcr beitragsorientierte Pl\u00e4ne</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2510 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:205.95pt\">betrugen im Jahr 2025 17\u00a0Mio.\u00a0\u20ac (2024: 9\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps2511 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sonstige R\u00fcckstellungen</span></div><div class=\"ps2512 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sonstige R\u00fcckstellungen f\u00fcr ungewisse Verbindlichkeiten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2513 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">gegen\u00fcber Dritten werden mit der besten Sch\u00e4tzung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">(einschlie\u00dflich Risiken und Unsicherheiten) bewertet und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">unter Ber\u00fccksichtigung des Zeitwerts des Geldes gebildet. F\u00fcr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:90.78pt\">Details siehe Note 28.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForProvisionsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-673": {
   "value": "<div class=\"ps61 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">R\u00fcckstellungen f\u00fcr Leistungen an Arbeitnehmer</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">R\u00fcckstellungen f\u00fcr Pensions- und Abfertigungsverpflichtungen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">sowie f\u00fcr Jubil\u00e4umsgelder werden gem\u00e4\u00df IAS 19 nach der</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Projected Unit Credit Method (dem</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Anwartschaftsbarwertverfahren) ermittelt. Der Barwert der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zum Bewertungsstichtag bestehenden Anspr\u00fcche wird</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aufgrund versicherungsmathematischer Gutachten unter</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Ber\u00fccksichtigung eines angemessenen Abzinsungssatzes und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zu erwartender Steigerungsraten der Geh\u00e4lter und Pensionen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">berechnet und als R\u00fcckstellung in der Konzernbilanz</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ausgewiesen. Versicherungsmathematische Gewinne und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Verluste aus Pensions- und Abfertigungsr\u00fcckstellungen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">werden im selben Gesch\u00e4ftsjahr zur G\u00e4nze im \u201eSonstigen</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:72.94pt\">Ergebnis\u201c erfasst.</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die wesentlichsten der versicherungsmathematischen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:202.68pt\">Berechnung zugrunde liegenden Parameter sind:</span></div><div class=\"ps2466 ss0\"><div class=\"ss99 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:117pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss100\"><div><div class=\"ps276 ss99\"><span class=\"f charStyle-9f85f029 ps36\">Parameter f\u00fcr Pensionsverpflichtungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss102\"><div><div class=\"ps276 ss101\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2452 ss104\"><div><div class=\"ps900 ss103\"><span class=\"f charStyle-584de24a ps2451\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2453 ss104\"><div><div class=\"ps900 ss103\"><span class=\"f charStyle-37455c2a ps2451\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps844 ss105\"><div><div class=\"ps40 ss101\"><span class=\"f charStyle-37455c2a ps36\">Rechnungszinssatz EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2455 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps2454\">4,00% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2456 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps2454\">3,40% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps849 ss105\"><div><div class=\"ps40 ss101\"><span class=\"f charStyle-37455c2a ps36\">Rechnungszinssatz CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2457 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps2454\">1,15% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2458 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps2454\">0,95% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps854 ss105\"><div><div class=\"ps40 ss101\"><span class=\"f charStyle-37455c2a ps36\">Rentendynamik<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2460 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps2459\">1,0%\u22122,0% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2461 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps2459\">1,0%\u22122,0% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss105\"><div><div class=\"ps40 ss101\"><span class=\"f charStyle-37455c2a ps36\">Fluktuationsabschlag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2463 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps2462\">0%\u221213,73% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2465 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps2464\">0%\u221215,0% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps797 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:131.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss107\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Parameter f\u00fcr Abfertigungsverpflichtungen und <span class=\"f ps37\"> </span></span></div><div class=\"ps2467 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Jubil\u00e4umsgelder</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss109\"><div><div class=\"ps1091 ss108\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2470 ss111\"><div><div class=\"ps281 ss110\"><span class=\"f charStyle-584de24a ps2469\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2471 ss111\"><div><div class=\"ps281 ss110\"><span class=\"f charStyle-37455c2a ps2469\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps300 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Rechnungszinssatz<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2473 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2472\">4,00% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2474 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2472\">3,40% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2475 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Gehaltsdynamik Abfertigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2476 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2472\">2,75% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2477 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2472\">2,75% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2341 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Gehaltsdynamik Jubil\u00e4umsgelder<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2478 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2472\">2,50% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2479 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2472\">2,50% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2480 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Fluktuationsabschlag Abfertigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2482 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2481\">0%\u22120,78% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2483 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2481\">0%\u22120,34% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1344 ss114\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Fluktuationsabschlag <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss108\"><span class=\"f charStyle-37455c2a ps36\">Jubil\u00e4umsgelder</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2485 ss115\"><div><div class=\"ps1717 ss110\"><span class=\"f charStyle-71900c34 ps2484\">0% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2486 ss115\"><div><div class=\"ps1717 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2481\">0%\u22127,10% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1839 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Pensionsalter<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2489 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2487\">60\u201365 Jahre</span><span class=\"f charStyle-dca7a473 ps2488\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2490 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-b27625d4 ps2487\">60\u201365 Jahre</span><span class=\"f charStyle-8e2bfe67 ps2488\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2492 ss116\"><div><div class=\"ps2491 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">1 Angenommen wurde jeweils individuell das fr\u00fchestm\u00f6gliche Pensionsalter gem\u00e4\u00df den </span></div><div class=\"ps277 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">gesetzlichen Bestimmungen (exkl. Korridorpensionen).</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2493 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Im Jahr 2025 wurde ein Rechnungszinssatz von 4,00%</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2495 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:107.1pt\">verwendet (2024: 3,40%).</span><span class=\"f charStyle-34546584 ps2494\" style=\"width:2.36pt\"> </span></div><div class=\"ps2496 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die in der BAWAG bestehenden Altersversorgungspl\u00e4ne mit</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2497 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">leistungsorientierten Zusagen werden vollst\u00e4ndig \u00fcber</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2498 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">R\u00fcckstellungen finanziert. Die von der Pensionskasse bekannt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2499 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">gegebenen zugeordneten Verm\u00f6gensteile, welche f\u00fcr</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2500 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">bestimmte Beg\u00fcnstigte eingerichtet wurden, werden auf die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2501 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:222.86pt\">ermittelten Pensionsr\u00fcckstellungswerte angerechnet.</span></div><div class=\"ps2502 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Durch die Altersversorgungspl\u00e4ne ist die BAWAG</span><span class=\"f charStyle-34546584 ps171\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps2503 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">versicherungstechnischen Risiken wie dem Zinsrisiko und dem</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2504 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:130.38pt\">Langlebigkeitsrisiko ausgesetzt.</span></div><div class=\"ps2505 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Pensionsanspr\u00fcche eines Gro\u00dfteils der Mitarbeiter sind</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2506 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beitragsorientierte Anspr\u00fcche. Die Zahlungen an die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2507 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Pensionskasse werden in der laufenden Periode als Aufwand</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2508 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">erfasst, dar\u00fcber hinausgehende Verpflichtungen bestehen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2509 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">nicht. Beitr\u00e4ge an Pensionskassen f\u00fcr beitragsorientierte Pl\u00e4ne</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2510 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:205.95pt\">betrugen im Jahr 2025 17\u00a0Mio.\u00a0\u20ac (2024: 9\u00a0Mio.\u00a0\u20ac).</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEmployeeBenefitsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-672": {
   "value": "<div class=\"ps61 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">R\u00fcckstellungen f\u00fcr Leistungen an Arbeitnehmer</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">R\u00fcckstellungen f\u00fcr Pensions- und Abfertigungsverpflichtungen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">sowie f\u00fcr Jubil\u00e4umsgelder werden gem\u00e4\u00df IAS 19 nach der</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Projected Unit Credit Method (dem</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Anwartschaftsbarwertverfahren) ermittelt. Der Barwert der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zum Bewertungsstichtag bestehenden Anspr\u00fcche wird</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aufgrund versicherungsmathematischer Gutachten unter</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Ber\u00fccksichtigung eines angemessenen Abzinsungssatzes und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zu erwartender Steigerungsraten der Geh\u00e4lter und Pensionen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">berechnet und als R\u00fcckstellung in der Konzernbilanz</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ausgewiesen. Versicherungsmathematische Gewinne und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Verluste aus Pensions- und Abfertigungsr\u00fcckstellungen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">werden im selben Gesch\u00e4ftsjahr zur G\u00e4nze im \u201eSonstigen</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:72.94pt\">Ergebnis\u201c erfasst.</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die wesentlichsten der versicherungsmathematischen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:202.68pt\">Berechnung zugrunde liegenden Parameter sind:</span></div><div class=\"ps2466 ss0\"><div class=\"ss99 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:117pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss100\"><div><div class=\"ps276 ss99\"><span class=\"f charStyle-9f85f029 ps36\">Parameter f\u00fcr Pensionsverpflichtungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss102\"><div><div class=\"ps276 ss101\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2452 ss104\"><div><div class=\"ps900 ss103\"><span class=\"f charStyle-584de24a ps2451\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2453 ss104\"><div><div class=\"ps900 ss103\"><span class=\"f charStyle-37455c2a ps2451\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps844 ss105\"><div><div class=\"ps40 ss101\"><span class=\"f charStyle-37455c2a ps36\">Rechnungszinssatz EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2455 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps2454\">4,00% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2456 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps2454\">3,40% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps849 ss105\"><div><div class=\"ps40 ss101\"><span class=\"f charStyle-37455c2a ps36\">Rechnungszinssatz CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2457 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps2454\">1,15% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2458 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps2454\">0,95% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps854 ss105\"><div><div class=\"ps40 ss101\"><span class=\"f charStyle-37455c2a ps36\">Rentendynamik<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2460 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps2459\">1,0%\u22122,0% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2461 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps2459\">1,0%\u22122,0% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss105\"><div><div class=\"ps40 ss101\"><span class=\"f charStyle-37455c2a ps36\">Fluktuationsabschlag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2463 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps2462\">0%\u221213,73% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2465 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps2464\">0%\u221215,0% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps797 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:131.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss107\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Parameter f\u00fcr Abfertigungsverpflichtungen und <span class=\"f ps37\"> </span></span></div><div class=\"ps2467 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Jubil\u00e4umsgelder</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss109\"><div><div class=\"ps1091 ss108\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2470 ss111\"><div><div class=\"ps281 ss110\"><span class=\"f charStyle-584de24a ps2469\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2471 ss111\"><div><div class=\"ps281 ss110\"><span class=\"f charStyle-37455c2a ps2469\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps300 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Rechnungszinssatz<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2473 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2472\">4,00% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2474 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2472\">3,40% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2475 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Gehaltsdynamik Abfertigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2476 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2472\">2,75% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2477 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2472\">2,75% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2341 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Gehaltsdynamik Jubil\u00e4umsgelder<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2478 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2472\">2,50% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2479 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2472\">2,50% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2480 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Fluktuationsabschlag Abfertigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2482 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2481\">0%\u22120,78% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2483 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2481\">0%\u22120,34% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1344 ss114\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Fluktuationsabschlag <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss108\"><span class=\"f charStyle-37455c2a ps36\">Jubil\u00e4umsgelder</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2485 ss115\"><div><div class=\"ps1717 ss110\"><span class=\"f charStyle-71900c34 ps2484\">0% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2486 ss115\"><div><div class=\"ps1717 ss110\"><span class=\"f charStyle-cc1eb9a4 ps2481\">0%\u22127,10% p.a.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1839 ss112\"><div><div class=\"ps40 ss108\"><span class=\"f charStyle-37455c2a ps36\">Pensionsalter<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2489 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps2487\">60\u201365 Jahre</span><span class=\"f charStyle-dca7a473 ps2488\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2490 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-b27625d4 ps2487\">60\u201365 Jahre</span><span class=\"f charStyle-8e2bfe67 ps2488\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2492 ss116\"><div><div class=\"ps2491 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">1 Angenommen wurde jeweils individuell das fr\u00fchestm\u00f6gliche Pensionsalter gem\u00e4\u00df den </span></div><div class=\"ps277 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">gesetzlichen Bestimmungen (exkl. Korridorpensionen).</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2493 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Im Jahr 2025 wurde ein Rechnungszinssatz von 4,00%</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2495 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:107.1pt\">verwendet (2024: 3,40%).</span><span class=\"f charStyle-34546584 ps2494\" style=\"width:2.36pt\"> </span></div><div class=\"ps2496 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die in der BAWAG bestehenden Altersversorgungspl\u00e4ne mit</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2497 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">leistungsorientierten Zusagen werden vollst\u00e4ndig \u00fcber</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2498 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">R\u00fcckstellungen finanziert. Die von der Pensionskasse bekannt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2499 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">gegebenen zugeordneten Verm\u00f6gensteile, welche f\u00fcr</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2500 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">bestimmte Beg\u00fcnstigte eingerichtet wurden, werden auf die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2501 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:222.86pt\">ermittelten Pensionsr\u00fcckstellungswerte angerechnet.</span></div><div class=\"ps2502 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Durch die Altersversorgungspl\u00e4ne ist die BAWAG</span><span class=\"f charStyle-34546584 ps171\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps2503 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">versicherungstechnischen Risiken wie dem Zinsrisiko und dem</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2504 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:130.38pt\">Langlebigkeitsrisiko ausgesetzt.</span></div><div class=\"ps2505 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Pensionsanspr\u00fcche eines Gro\u00dfteils der Mitarbeiter sind</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2506 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beitragsorientierte Anspr\u00fcche. Die Zahlungen an die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2507 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Pensionskasse werden in der laufenden Periode als Aufwand</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2508 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">erfasst, dar\u00fcber hinausgehende Verpflichtungen bestehen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2509 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">nicht. Beitr\u00e4ge an Pensionskassen f\u00fcr beitragsorientierte Pl\u00e4ne</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2510 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:205.95pt\">betrugen im Jahr 2025 17\u00a0Mio.\u00a0\u20ac (2024: 9\u00a0Mio.\u00a0\u20ac).</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTerminationBenefits",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-675": {
   "value": "<div class=\"ps2518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">A</span><span class=\"f charStyle-02ed52cc ps2517\">nteilsbasierte Verg\u00fctungen</span></div><div class=\"ps2519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Als Entlohnung f\u00fcr die geleistete Arbeit erhalten die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Mitarbeiter des Konzerns (einschlie\u00dflich der F\u00fchrungskr\u00e4fte)</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">eine anteilsbasierte Verg\u00fctung in Form von</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Eigenkapitalinstrumenten (Transaktionen mit Ausgleich durch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Eigenkapitalinstrumente wie auch mit Barausgleich). Die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:133.58pt\">Bilanzierung erfolgt nach IFRS 2.</span><span class=\"f charStyle-34546584 ps2524\" style=\"width:2.36pt\"> </span></div><div class=\"ps2526 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Verg\u00fctung mit Ausgleich durch Eigenkapitalinstrumente</span></div><div class=\"ps2527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Kosten von Transaktionen mit Ausgleich durch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2528 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Eigenkapitalinstrumente werden unter Anwendung eines</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">geeigneten Bewertungsmodells mit dem beizulegenden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Zeitwert zu dem Zeitpunkt bewertet, zu dem die Gew\u00e4hrung</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:30.42pt\">erfolgt.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Diese Kosten werden, zusammen mit einer entsprechenden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Erh\u00f6hung des Eigenkapitals (andere Kapitalr\u00fccklage), \u00fcber den</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zeitraum, in dem die Dienst- und gegebenenfalls die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Leistungsbedingungen erf\u00fcllt werden (Erdienungszeitraum), in</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:249.67pt\">den Aufwendungen f\u00fcr Leistungen an Arbeitnehmer erfasst.</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Die an jedem Abschlussstichtag bis zum Zeitpunkt der ersten</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Aus\u00fcbungsm\u00f6glichkeit ausgewiesenen kumulierten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Aufwendungen aus der Gew\u00e4hrung der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Eigenkapitalinstrumente reflektieren den bereits abgelaufenen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Teil des Erdienungszeitraums sowie die Anzahl der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Eigenkapitalinstrumente, die nach bestm\u00f6glicher Sch\u00e4tzung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">des Konzerns mit Ablauf des Erdienungszeitraums tats\u00e4chlich</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zugeteilt werden. Der im Periodenergebnis erfasste Ertrag</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">oder Aufwand entspricht der Entwicklung der zu Beginn und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">am Ende des Berichtszeitraums erfassten kumulierten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:65.93pt\">Aufwendungen.</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Bei der Bestimmung des beizulegenden Zeitwerts von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verg\u00fctungsvereinbarungen zum Gew\u00e4hrungszeitpunkt werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">dienst- und marktunabh\u00e4ngige Leistungsbedingungen nicht</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">ber\u00fccksichtigt. Die Wahrscheinlichkeit, dass die Bedingungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">erf\u00fcllt werden, wird jedoch im Rahmen der bestm\u00f6glichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Sch\u00e4tzung des Konzerns in Bezug auf die Anzahl der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Eigenkapitalinstrumente, die mit Ablauf des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Erdienungszeitraums tats\u00e4chlich zugeteilt werden, beurteilt.</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Marktabh\u00e4ngige Leistungsbedingungen werden im</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">beizulegenden Zeitwert zum Gew\u00e4hrungszeitpunkt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">ber\u00fccksichtigt. Alle anderen mit einer Verg\u00fctungsvereinbarung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">verbundenen Aus\u00fcbungsbedingungen \u2013 aber ohne eine damit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zusammenh\u00e4ngende Dienstzeitbedingung \u2013 werden als</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Nichtaus\u00fcbungsbedingungen angesehen.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Nichtaus\u00fcbungsbedingungen werden im beizulegenden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zeitwert einer Verg\u00fctungsvereinbarung ber\u00fccksichtigt und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">f\u00fchren zu einer sofortigen aufwandswirksamen Erfassung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">einer Verg\u00fctungsvereinbarung, sofern nicht auch Dienst- und/</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:158.37pt\">oder Leistungsbedingungen bestehen.</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wenn Verg\u00fctungsvereinbarungen eine Markt- oder</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Nichtaus\u00fcbungsbedingung beinhalten, werden die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Transaktionen unabh\u00e4ngig davon, ob die Markt- oder</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Nichtaus\u00fcbungsbedingung erf\u00fcllt ist, als zugeteilt betrachtet,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">vorausgesetzt, dass alle sonstigen Leistungs- und</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:130.55pt\">Dienstbedingungen erf\u00fcllt sind.</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Werden die Bedingungen einer Verg\u00fctungsvereinbarung mit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Ausgleich durch Eigenkapitalinstrumente ge\u00e4ndert, so werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Aufwendungen mindestens in der H\u00f6he des beizulegenden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zeitwerts der nicht ge\u00e4nderten Verg\u00fctungsvereinbarung zum</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gew\u00e4hrungsdatum erfasst, sofern die urspr\u00fcnglichen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Bedingungen der Verg\u00fctungsvereinbarung erf\u00fcllt werden. Der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Konzern erfasst au\u00dferdem die Auswirkungen von \u00c4nderungen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(bewertet zum Zeitpunkt der \u00c4nderung), die den gesamten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">beizulegenden Zeitwert der anteilsbasierten Verg\u00fctung</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">erh\u00f6hen oder mit einem anderen Nutzen f\u00fcr den</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Arbeitnehmer verbunden sind. Wird eine</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verg\u00fctungsvereinbarung vom Unternehmen oder der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gegenpartei annulliert, dann wird jedes verbleibende Element</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">des beizulegenden Zeitwerts der Verg\u00fctungsvereinbarung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:130.86pt\">sofort ergebniswirksam erfasst.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Verg\u00fctung mit Barausgleich</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">F\u00fcr Verg\u00fctungen mit Barausgleich definiert IFRS 2, dass der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beizulegende Zeitwert der erhaltenen Dienstleistungen auf</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">dem beizulegenden Zeitwert der Verbindlichkeit basiert. Im</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Gegensatz zum Modell des Gew\u00e4hrungsdatums f\u00fcr</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aktienbasierte Verg\u00fctungen wird der beizulegende Zeitwert</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">der Verg\u00fctung zu jedem Bilanzstichtag und bei der Erf\u00fcllung</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">neu bewertet. Die endg\u00fcltigen Kosten einer anteilsbasierten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verg\u00fctung mit Barausgleich sind die an den Beg\u00fcnstigten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">gezahlten Barmittel, d.h. der beizulegende Zeitwert zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Erf\u00fcllungstag. Bis zur Begleichung wird der Anspruch aus der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verg\u00fctung als Verbindlichkeit und nicht innerhalb des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Eigenkapitals ausgewiesen. \u00c4nderungen in der Bewertung der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verbindlichkeit werden in der Gewinn- und Verlustrechnung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:61.07pt\">ber\u00fccksichtigt.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Auswirkungen einer Marktbedingung oder einer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Nichtaus\u00fcbungsbedingung spiegeln sich in der Sch\u00e4tzung des</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beizulegenden Zeitwerts der aktienbasierten Verg\u00fctungen mit</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Barausgleich sowohl zum Zeitpunkt der Gew\u00e4hrung als auch in</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der Folge wider. Aus\u00fcbungsbedingungen (mit Ausnahme von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Marktbedingungen) werden bei der Sch\u00e4tzung des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">beizulegenden Zeitwerts von aktienbasierten Verg\u00fctungen mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Barausgleich nicht ber\u00fccksichtigt. Stattdessen werden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Aus\u00fcbungsbedingungen (mit Ausnahme von</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Marktbedingungen) bei der Bewertung der Verbindlichkeit</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">ber\u00fccksichtigt, die durch die Anpassung der Anzahl der Rechte</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">entsteht, die voraussichtlich aus\u00fcbbar werden. Diese</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Sch\u00e4tzung wird bei der Bewertung der Verbindlichkeit zu</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">jedem Berichtsstichtag bis zum Tag der Unverfallbarkeit neu</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">bewertet. Auf kumulierter Basis wird kein Aufwand erfasst,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wenn die gew\u00e4hrten Pr\u00e4mien nicht aus\u00fcbbar werden, weil</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">eine Aus\u00fcbungsbedingung oder eine</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:176.08pt\">Nichtaus\u00fcbungsbedingung nicht erf\u00fcllt ist.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Wenn ein Mitarbeiter nicht zur Erbringung einer</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Dienstleistung verpflichtet ist, werden Aufwand und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verbindlichkeit sofort nach dem Zuteilungsdatum erfasst.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Wenn der Mitarbeiter f\u00fcr einen bestimmten Zeitraum zur</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Erbringung von Dienstleistungen verpflichtet ist, werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwand und Verbindlichkeit \u00fcber den Erdienungszeitraum</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">verteilt, wobei die Wahrscheinlichkeit, Aus\u00fcbungsbedingungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">zu erreichen, \u00fcberpr\u00fcft und der beizulegende Zeitwert der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verbindlichkeit am Ende jeder Berichtsperiode neu bewertet</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:21.18pt\">wird.</span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">\u00c4nderungen von Ausgleich durch Eigenkapitalinstrumente in </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Barausgleich und vice versa</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Im Falle einer \u00c4nderung eines Programms von \u201eAusgleich</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">durch Eigenkapitalinstrumente\u201c in \u201eBarausgleich\u201c wird zum</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zeitpunkt der \u00c4nderung eine Verbindlichkeit zum Barausgleich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">erfasst, basierend auf dem beizulegenden Zeitwert der Aktien</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zum Zeitpunkt der Modifizierung und in dem Umfang, in dem</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:166.43pt\">die Leistungen bereits erbracht wurden.</span><span class=\"f charStyle-34546584 ps2532\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wenn die H\u00f6he der zum \u00c4nderungszeitpunkt erfassten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Verbindlichkeit geringer ist als der zuvor als Erh\u00f6hung des</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Eigenkapitals erfasste Betrag, wird kein Gewinn f\u00fcr die</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Differenz zwischen dem bisher im Eigenkapital erfassten</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Betrag und dem beizulegenden Zeitwert des in die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verbindlichkeiten umgegliederten Betrags erfasst; diese</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Differenz verbleibt im Eigenkapital. Nach der Modifizierung</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">erfasst der Konzern weiterhin den beizulegenden Zeitwert der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">gew\u00e4hrten Eigenkapitalinstrumente zum</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Gew\u00e4hrungszeitpunkt als Aufwand f\u00fcr die aktienbasierte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verg\u00fctung. Eine sp\u00e4tere Neubewertung der Verbindlichkeit</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">(vom Zeitpunkt der \u00c4nderung bis zum Erf\u00fcllungstag) wird</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:96.33pt\">erfolgswirksam erfasst.</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Bei \u00c4nderungen eines Programms von einer anteilsbasierten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verg\u00fctung mit Barausgleich zu einer anteilsbasierten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verg\u00fctung mit Ausgleich durch Eigenkapitalinstrumente wird</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">die ausstehende Verbindlichkeit mit dem aktuellen Aktienkurs</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">am Tag der \u00c4nderung neu bewertet, wobei \u00c4nderungen des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">beizulegenden Zeitwerts erfolgswirksam erfasst werden.</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Danach wird die Verbindlichkeit gegen das Eigenkapital</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">aufgel\u00f6st und es werden keine weiteren \u00c4nderungen des</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:135.17pt\">beizulegenden Zeitwerts erfasst.</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Bilanzierung von Annulierungen</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Wird ein durch Gew\u00e4hrung von Eigenkapitalinstrumenten zu</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erf\u00fcllender Anspruch w\u00e4hrend des Erdienungszeitraums</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">annulliert oder abgerechnet, wird die Annullierung oder</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Abrechnung als vorgezogene Aus\u00fcbung bilanziert. Der Betrag,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">der andernfalls f\u00fcr den verbleibenden Erdienungszeitraum</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">erfasst worden w\u00e4re, wird sofort erfolgswirksam erfasst. Jede</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Zahlung, die an den Mitarbeiter bei der Annullierung oder</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Abrechnung der Anspr\u00fcche geleistet wird, wird als Abzug vom</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Eigenkapital verbucht. \u00dcbersteigt die Zahlung den zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Beendigungszeitpunkt ermittelten beizulegenden Zeitwert der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">gew\u00e4hrten Eigenkapitalinstrumente, wird der \u00fcbersteigende</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps185\" style=\"width:113.66pt\">Betrag als Aufwand erfasst.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSharebasedPaymentTransactionsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-676": {
   "value": "<div class=\"ps266 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Eventualverbindlichkeiten und nicht ausgen\u00fctzte </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Kreditrahmen</span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Hierbei handelt es sich im Wesentlichen um</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Eventualverbindlichkeiten aus B\u00fcrgschaften sowie nicht</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ausgen\u00fctzte Kreditrahmen. Als B\u00fcrgschaften werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Sachverhalte ausgewiesen, bei denen die BAWAG als B\u00fcrge</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">gegen\u00fcber dem Gl\u00e4ubiger eines Dritten f\u00fcr die Erf\u00fcllung der</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verbindlichkeit des Dritten einsteht. Als nicht ausgenutzte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kreditrahmen sind Verpflichtungen ausgewiesen, aus denen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">ein Kreditrisiko entstehen kann. Die Risikovorsorge f\u00fcr</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Eventualverbindlichkeiten und nicht ausgenutzte</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kreditrahmen wird in der \u201eR\u00fcckstellung f\u00fcr drohende Verluste</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">aus schwebenden Gesch\u00e4ften\u201c gezeigt. F\u00fcr Details siehe Note</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:12.94pt\">44.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-677": {
   "value": "<div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Eigenkapital</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Das Eigenkapital umfasst das von den Eigent\u00fcmern zur</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verf\u00fcgung gestellte Kapital (gezeichnetes Kapital und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kapitalr\u00fccklagen), AT1-Kapital sowie das erwirtschaftete</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kapital (Gewinnr\u00fccklagen, R\u00fccklagen aus der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">W\u00e4hrungsumrechnung, FVOCI-R\u00fccklage, Cashflow-Hedge-</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">R\u00fccklage, Net-Investment-Hedge-R\u00fccklage,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">versicherungsmathematische Gewinne und Verluste,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.51pt\">Gewinnvortrag und Jahresergebnis). F\u00fcr Details siehe Note 31.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForIssuedCapitalExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-678": {
   "value": "<div class=\"ps55 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Erfassung von Ertr\u00e4gen</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Ertr\u00e4ge werden insoweit erfasst, als es wahrscheinlich ist, dass</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">der wirtschaftliche Nutzen dem Unternehmen zuflie\u00dfen wird</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:220.04pt\">und die Ertr\u00e4ge verl\u00e4sslich bewertet werden k\u00f6nnen.</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">IFRS 15 Umsatzerl\u00f6se aus Vertr\u00e4gen mit Kunden</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">IFRS 15 legt die Grunds\u00e4tze fest, ob, wann und in welcher</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">H\u00f6he Erl\u00f6se aus Vertr\u00e4gen mit Kunden erfasst werden.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Demnach werden Ertr\u00e4ge aus Geb\u00fchren und Provisionen dann</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bilanziell erfasst, wenn die Verf\u00fcgungsmacht \u00fcber die Waren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und Dienstleistungen \u00fcbertragen wurde und somit die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">vertraglichen Leistungsverpflichtungen gegen\u00fcber dem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:106.62pt\">Kunden erbracht wurden.</span><span class=\"f charStyle-34546584 ps2534\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die BAWAG erh\u00e4lt Geb\u00fchren- und Provisionsertr\u00e4ge aus</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">verschiedenen Dienstleistungen, die f\u00fcr Kunden erbracht</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">werden. Diese werden im Provisions\u00fcberschuss in der Gewinn-</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:145.42pt\">und Verlustrechnung ausgewiesen.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Vereinnahmung von Geb\u00fchren und Provisionen f\u00fcr</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Leistungen, die \u00fcber einen bestimmten Zeitraum erbracht</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">werden, erfolgt \u00fcber die Periode der Leistungserbringung.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Darin enthalten sind Provisionen aus dem Kredit- und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Girogesch\u00e4ft, Haftungsprovisionen und sonstige Verwaltungs-</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">und Depotgeb\u00fchren. In den F\u00e4llen, in denen ein zugeh\u00f6riges</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Finanzinstrument existiert, werden Provisionen, die integraler</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bestandteil des Effektivzinssatzes dieses Finanzinstruments</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:178.87pt\">sind, als Teil des Zinsertrages ausgewiesen.</span><span class=\"f charStyle-34546584 ps2535\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Geb\u00fchren, die mit der vollst\u00e4ndigen Erbringung einer</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bestimmten Dienstleistung oder einem signifikanten Ereignis</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">(transaktionsbezogenen Leistungen) verbunden sind, werden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">vereinnahmt, wenn die Dienstleistung vollst\u00e4ndig erbracht</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">wurde oder das signifikante Ereignis eingetreten ist.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Provisionen aus der Durchf\u00fchrung von transaktionsbezogenen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Leistungen umfassen unter anderem das Wertpapiergesch\u00e4ft,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">die Vermittlung von Versicherungen und Bausparvertr\u00e4gen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:161.61pt\">und das Devisen- und Valutengesch\u00e4ft.</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwendungen, die im direkten und inkrementellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zusammenhang mit der Generierung von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Provisionseinnahmen stehen, werden im Provisionsaufwand</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">gezeigt. Geb\u00fchren- und Provisionsertr\u00e4ge werden auf der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Grundlage der in einem rechtskr\u00e4ftigen Vertrag mit einem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kunden festgelegten Gegenleistung bewertet, mit Ausnahme</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">von Betr\u00e4gen wie z.B. Steuern, die im Auftrag Dritter erhoben</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden. Die erhaltenen Gegenleistungen werden den separat</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">identifizierbaren Leistungsverpflichtungen in einem Vertrag</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">zugeordnet. Die Ber\u00fccksichtigung kann sowohl fixe als auch</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">variable Betr\u00e4ge umfassen. Die variable Verg\u00fctung umfasst</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Erstattungen, Rabatte, Leistungspr\u00e4mien und andere Betr\u00e4ge,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">die vom Eintreten oder Nichteintreten eines zuk\u00fcnftigen</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Ereignisses abh\u00e4ngig sind. Eine variable Gegenleistung, die von</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">einem ungewissen Ereignis abh\u00e4ngig ist, wird nur in dem</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Umfang erfasst, in dem es wahrscheinlich ist, dass eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">wesentliche Umkehrung der kumulierten Umsatzerl\u00f6se eines</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:92.39pt\">Auftrags nicht eintritt.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">In Note 4 wird eine Aufteilung der Provisionsertr\u00e4ge und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:211.25pt\">Aufwendungen auf die Gesch\u00e4ftsfelder dargestellt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognitionOfRevenue",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-681": {
   "value": "<div class=\"ps252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Zinsertr\u00e4ge und Zinsaufwendungen</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Zinsertr\u00e4ge umfassen vor allem Zinsertr\u00e4ge aus Krediten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und Forderungen, festverzinslichen und nicht festverzinslichen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Wertpapieren und den Handelsaktiva. Des Weiteren werden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">hier laufende Ertr\u00e4ge aus Eigenkapitalinstrumenten, Aktien</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">sowie Geb\u00fchren und Provisionen mit zins\u00e4hnlichem Charakter</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ausgewiesen. In den Zinsertr\u00e4gen und Zinsaufwendungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden auch die effektivzinsm\u00e4\u00dfige Verteilung der Agios und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Disagios der Wertpapiere und Kredite und die Amortisierung</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">des Day 1 gains oder losses ausgewiesen. Ebenso wird der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Zinsanteil von zinstragenden Derivaten getrennt nach</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Aufwand und Ertrag erfasst. Negativzinsen aus Passivposten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:123.57pt\">werden ebenfalls hier erfasst.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Zinsaufwendungen beinhalten vor allem Zinsen f\u00fcr</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">sowie f\u00fcr begebene Schuldverschreibungen, Nachrangkapital</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und Erg\u00e4nzungskapital. Negativzinsen aus Aktivposten werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:89.55pt\">ebenfalls hier erfasst.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zinsertr\u00e4ge und Zinsaufwendungen aus Sicherungsderivaten,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">die zur Absicherung von Zinsrisiken eingesetzt werden und Teil</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">einer Sicherungsbeziehung gem\u00e4\u00df IAS 39 sind, werden in jener</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zeile ausgewiesen, in der die Zinsertr\u00e4ge und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zinsaufwendungen der gesicherten Grundgesch\u00e4fte dargestellt</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">werden. In F\u00e4llen, in welchen das Grundgesch\u00e4ft Zinsertr\u00e4ge</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(Zinsaufwendungen) generiert, wird der Zinsbeitrag der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Sicherungsderivate unter den Zinsertr\u00e4gen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">(Zinsaufwendungen) ausgewiesen, selbst wenn es sich um</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:209.32pt\">einen negativen Betrag (positiven Betrag) handelt.</span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zinsertr\u00e4ge und Zinsaufwendungen werden periodengerecht</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:49.02pt\">abgegrenzt.</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:220.87pt\">Details zum Nettozinsertrag sind in Note 3 enthalten.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceIncomeAndCostsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-680": {
   "value": "<div class=\"ps252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Zinsertr\u00e4ge und Zinsaufwendungen</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Zinsertr\u00e4ge umfassen vor allem Zinsertr\u00e4ge aus Krediten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und Forderungen, festverzinslichen und nicht festverzinslichen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Wertpapieren und den Handelsaktiva. Des Weiteren werden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">hier laufende Ertr\u00e4ge aus Eigenkapitalinstrumenten, Aktien</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">sowie Geb\u00fchren und Provisionen mit zins\u00e4hnlichem Charakter</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ausgewiesen. In den Zinsertr\u00e4gen und Zinsaufwendungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden auch die effektivzinsm\u00e4\u00dfige Verteilung der Agios und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Disagios der Wertpapiere und Kredite und die Amortisierung</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">des Day 1 gains oder losses ausgewiesen. Ebenso wird der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Zinsanteil von zinstragenden Derivaten getrennt nach</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Aufwand und Ertrag erfasst. Negativzinsen aus Passivposten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:123.57pt\">werden ebenfalls hier erfasst.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Zinsaufwendungen beinhalten vor allem Zinsen f\u00fcr</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">sowie f\u00fcr begebene Schuldverschreibungen, Nachrangkapital</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und Erg\u00e4nzungskapital. Negativzinsen aus Aktivposten werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:89.55pt\">ebenfalls hier erfasst.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zinsertr\u00e4ge und Zinsaufwendungen aus Sicherungsderivaten,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">die zur Absicherung von Zinsrisiken eingesetzt werden und Teil</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">einer Sicherungsbeziehung gem\u00e4\u00df IAS 39 sind, werden in jener</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zeile ausgewiesen, in der die Zinsertr\u00e4ge und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zinsaufwendungen der gesicherten Grundgesch\u00e4fte dargestellt</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">werden. In F\u00e4llen, in welchen das Grundgesch\u00e4ft Zinsertr\u00e4ge</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(Zinsaufwendungen) generiert, wird der Zinsbeitrag der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Sicherungsderivate unter den Zinsertr\u00e4gen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">(Zinsaufwendungen) ausgewiesen, selbst wenn es sich um</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:209.32pt\">einen negativen Betrag (positiven Betrag) handelt.</span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zinsertr\u00e4ge und Zinsaufwendungen werden periodengerecht</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:49.02pt\">abgegrenzt.</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:220.87pt\">Details zum Nettozinsertrag sind in Note 3 enthalten.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInterestIncomeAndExpenseExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-679": {
   "value": "<div class=\"ps252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Zinsertr\u00e4ge und Zinsaufwendungen</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Zinsertr\u00e4ge umfassen vor allem Zinsertr\u00e4ge aus Krediten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und Forderungen, festverzinslichen und nicht festverzinslichen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Wertpapieren und den Handelsaktiva. Des Weiteren werden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">hier laufende Ertr\u00e4ge aus Eigenkapitalinstrumenten, Aktien</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">sowie Geb\u00fchren und Provisionen mit zins\u00e4hnlichem Charakter</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ausgewiesen. In den Zinsertr\u00e4gen und Zinsaufwendungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden auch die effektivzinsm\u00e4\u00dfige Verteilung der Agios und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Disagios der Wertpapiere und Kredite und die Amortisierung</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">des Day 1 gains oder losses ausgewiesen. Ebenso wird der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Zinsanteil von zinstragenden Derivaten getrennt nach</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Aufwand und Ertrag erfasst. Negativzinsen aus Passivposten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:123.57pt\">werden ebenfalls hier erfasst.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Zinsaufwendungen beinhalten vor allem Zinsen f\u00fcr</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Verbindlichkeiten gegen\u00fcber Kreditinstituten und Kunden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">sowie f\u00fcr begebene Schuldverschreibungen, Nachrangkapital</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und Erg\u00e4nzungskapital. Negativzinsen aus Aktivposten werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:89.55pt\">ebenfalls hier erfasst.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zinsertr\u00e4ge und Zinsaufwendungen aus Sicherungsderivaten,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">die zur Absicherung von Zinsrisiken eingesetzt werden und Teil</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">einer Sicherungsbeziehung gem\u00e4\u00df IAS 39 sind, werden in jener</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zeile ausgewiesen, in der die Zinsertr\u00e4ge und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zinsaufwendungen der gesicherten Grundgesch\u00e4fte dargestellt</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">werden. In F\u00e4llen, in welchen das Grundgesch\u00e4ft Zinsertr\u00e4ge</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(Zinsaufwendungen) generiert, wird der Zinsbeitrag der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Sicherungsderivate unter den Zinsertr\u00e4gen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">(Zinsaufwendungen) ausgewiesen, selbst wenn es sich um</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:209.32pt\">einen negativen Betrag (positiven Betrag) handelt.</span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zinsertr\u00e4ge und Zinsaufwendungen werden periodengerecht</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:49.02pt\">abgegrenzt.</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:220.87pt\">Details zum Nettozinsertrag sind in Note 3 enthalten.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFinanceCostsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-682": {
   "value": "<div class=\"ps1041 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Provisionsertr\u00e4ge und -aufwendungen</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Im Provisions\u00fcberschuss werden vor allem Ertr\u00e4ge und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Aufwendungen f\u00fcr Dienstleistungen des Zahlungsverkehrs, aus</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">dem Wertpapier- und Depotgesch\u00e4ft und aus dem</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kreditgesch\u00e4ft ausgewiesen. Die Ertr\u00e4ge und Aufwendungen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:258.52pt\">werden periodengerecht abgegrenzt. F\u00fcr Details siehe Note 4.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForFeeAndCommissionIncomeAndExpenseExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-683": {
   "value": "<div class=\"ps245 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Gewinne und Verluste aus finanziellen Verm\u00f6genswerten und </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Schulden</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Diese Position umfasst vor allem die Bewertung und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verkaufsgewinne bzw. Verkaufsverluste der Veranlagungen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">und Eigenen Emissionen, Verkaufsgewinne bzw. Verluste aus</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">notleidenden Krediten sowie das Ergebnis aus dem Handel mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Wertpapieren und Derivaten. Des Weiteren werden hier</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ineffizienzen aus Sicherungsgesch\u00e4ften und der Erfolgsbeitrag</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">aus der W\u00e4hrungsumrechnung ausgewiesen. Die Gewinne</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bzw. Verluste aus der Ausbuchung von finanziellen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verm\u00f6genswerten, die zu fortgef\u00fchrten Anschaffungskosten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bewertet werden, resultieren aus dem Verkauf von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Finanzinstrumenten an Dritte. In diesem Posten sind auch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Modifikationsgewinne und -verluste enthalten. F\u00fcr Details</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:54.82pt\">siehe Note 5.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTradingIncomeAndExpenseExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-684": {
   "value": "<div class=\"ps268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Sonstige betriebliche Ertr\u00e4ge und Aufwendungen</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Im Sonstigen betrieblichen Erfolg sind all jene Ertr\u00e4ge und</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Aufwendungen ausgewiesen, die nicht unmittelbar der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">laufenden Gesch\u00e4ftst\u00e4tigkeit zuzurechnen sind, wie</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">beispielsweise Ergebnisse aus dem Verkauf von Immobilien.</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Dar\u00fcber hinaus beinhaltet der Sonstige betriebliche Erfolg</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwendungen aus sonstigen Steuern, regulatorische</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Aufwendungen (Bankenabgabe und die Aufwendungen f\u00fcr das</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Einlagensicherungssystem und den Abwicklungsfonds), Ertr\u00e4ge</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">aus der Aufl\u00f6sung von sonstigen R\u00fcckstellungen,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Weiterverrechnungen von Aufwendungen an Kunden und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Konsolidierungsergebnisse aus Unternehmens-</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zusammenschl\u00fcssen mit den dazu geh\u00f6rigen Aufwendungen.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die j\u00e4hrliche IAS-40-Neubewertung wird je nach Auf- bzw.</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Abwertung erfolgswirksam in den sonstigen betrieblichen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:260.18pt\">Ertr\u00e4gen oder Aufwendungen erfasst. F\u00fcr Details siehe Note 6.</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Verwaltungsaufwand</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Im Verwaltungsaufwand sind auf die Berichtsperiode</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">abgegrenzte Personalaufwendungen und Sachaufwendungen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:177.79pt\">erfasst. Details werden in Note 7 erl\u00e4utert.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForExpensesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-685": {
   "value": "<div class=\"ps250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Kapitalflussrechnung</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die Kapitalflussrechnung gibt \u00fcber Stand und Entwicklung der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Zahlungsmittel des Konzerns Auskunft. Sie zeigt den</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Mittelzufluss und -abfluss, aufgeteilt in operative</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gesch\u00e4ftst\u00e4tigkeit, Investitionst\u00e4tigkeit und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Finanzierungst\u00e4tigkeit. Der ausgewiesene</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zahlungsmittelbestand umfasst Kassenbest\u00e4nde, Guthaben bei</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.5pt\">Zentralnotenbanken und Sichteinlagen bei Kreditinstituten.</span><span class=\"f charStyle-34546584 ps2536\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Finanzanlagen umfassen Schuldverschreibungen und andere</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">festverzinste Wertpapiere, die zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Anschaffungskosten oder zum beizulegenden Zeitwert \u00fcber</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:166.2pt\">das sonstige Ergebnis bewertet werden.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">F\u00fcr die BAWAG ist die Aussagef\u00e4higkeit der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kapitalflussrechnung als gering anzusehen. Die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kapitalflussrechnung ersetzt f\u00fcr die Gruppe weder die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Liquidit\u00e4ts- bzw. Finanzplanung noch wird sie als</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps185\" style=\"width:140.44pt\">Steuerungsinstrument eingesetzt.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCashFlowsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-687": {
   "value": "<div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Auswirkung der Anwendung ge\u00e4nderter bzw. neuer </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Standards</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Folgende neue Standards, \u00c4nderungen und Interpretationen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zu bereits bestehenden Standards sind erstmals f\u00fcr den</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:212.72pt\">Konzernabschluss 2025 verpflichtend anzuwenden:</span></div><div class=\"ps2555 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:279pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss118\"><div><div class=\"ps276 ss117\"><span class=\"f charStyle-9f85f029 ps36\">Standards/Ge\u00e4nderte Standards/Auslegung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2541 ss120\"><div><div class=\"ps40 ss119\"><span class=\"f charStyle-37455c2a ps2539\">Erstmalige <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss119\"><span class=\"f charStyle-37455c2a ps2540\">Anwendung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2544 ss120\"><div><div class=\"ps40 ss119\"><span class=\"f charStyle-37455c2a ps2542\">von der EU <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss119\"><span class=\"f charStyle-37455c2a ps2543\">\u00fcbernommen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2547 ss120\"><div><div class=\"ps40 ss119\"><span class=\"f charStyle-37455c2a ps2545\">Auswirkungen auf die <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss119\"><span class=\"f charStyle-37455c2a ps2546\">BAWAG</span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2548 ss121\"><div><div class=\"ps40 ss117\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderungen zu IAS 21 Auswirkungen von \u00c4nderungen der Wechselkurse: <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss117\"><span class=\"f charStyle-37455c2a ps36\">Mangel an Umtauschbarkeit (ver\u00f6ffentlicht am 15. August 2023)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2550 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2549\">1. J\u00e4nner 2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2552 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2551\">12. November 2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2554 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2553\">keine<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Folgende neue Standards, \u00c4nderungen und Interpretationen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zu bereits bestehenden Standards sind vom International</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Accounting Standards Board (IASB) beschlossen und von der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">EU \u00fcbernommen worden, jedoch f\u00fcr die Erstellung des</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps2560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">vorliegenden IFRS-Abschlusses zum 31. Dezember 2025 noch</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2561 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">nicht verpflichtend anzuwenden. Die BAWAG plant keine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vorzeitige Anwendung von Standards, die bereits von der EU</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">\u00fcbernommen wurden, jedoch nicht verpflichtend anzuwenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:19.87pt\">sind:</span></div><div class=\"ps2584 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:279pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss118\"><div><div class=\"ps276 ss117\"><span class=\"f charStyle-9f85f029 ps36\">Standards/Ge\u00e4nderte Standards/Auslegung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2541 ss122\"><div><div class=\"ps2566 ss119\"><span class=\"f charStyle-37455c2a ps2539\">Erstmalige <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss119\"><span class=\"f charStyle-37455c2a ps2540\">Anwendung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2544 ss122\"><div><div class=\"ps2566 ss119\"><span class=\"f charStyle-37455c2a ps2542\">von der EU <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss119\"><span class=\"f charStyle-37455c2a ps2543\">\u00fcbernommen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2547 ss122\"><div><div class=\"ps291 ss119\"><span class=\"f charStyle-37455c2a ps2568\">Erwartete <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss119\"><span class=\"f charStyle-37455c2a ps2545\">Auswirkungen auf die </span></div><div class=\"ps2567 ss119\"><span class=\"f charStyle-37455c2a ps2546\">BAWAG</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1334 ss123\"><div><div class=\"ps624 ss117\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderungen zu IFRS 9 und IFRS 7: \u00c4nderungen an der Klassifizierung und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss117\"><span class=\"f charStyle-37455c2a ps36\">Bewertung von Finanzinstrumenten (ver\u00f6ffentlicht am 30. Mai 2024)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2569 ss124\"><div><div class=\"ps281 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2549\">1. J\u00e4nner 2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2571 ss124\"><div><div class=\"ps281 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2570\">27. Mai 2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2573 ss124\"><div><div class=\"ps281 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2572\">unwesentlich<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2574 ss121\"><div><div class=\"ps40 ss117\"><span class=\"f charStyle-37455c2a ps36\">J\u00e4hrliche Verbesserungen an den IFRS Rechnungslegungsstandards \u2014 Band 11 <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss117\"><span class=\"f charStyle-37455c2a ps36\">(ver\u00f6ffentlicht am 18. Juli 2024)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2575 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2549\">1. J\u00e4nner 2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2577 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2576\">9. Juli 2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2578 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2572\">unwesentlich<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2579 ss121\"><div><div class=\"ps40 ss117\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderungen zu IFRS 9 und IFRS 7: Vertr\u00e4ge mit Bezug auf naturabh\u00e4ngige <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss117\"><span class=\"f charStyle-37455c2a ps36\">Elektrizit\u00e4t (ver\u00f6ffentlicht am 18. Dezember 2024)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2580 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2549\">1. J\u00e4nner 2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2582 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2581\">30. Juni 2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2583 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2553\">keine<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2585 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die folgenden vom International Accounting Standards Board</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2586 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">(IASB) beschlossenen Standards und \u00c4nderungen wurden von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2587 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">der EU noch nicht \u00fcbernommen. Die BAWAG plant keine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2588 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:95.64pt\">vorzeitige Anwendung:</span></div><div class=\"ps2598 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:276.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss126\"><div><div class=\"ps276 ss125\"><span class=\"f charStyle-9f85f029 ps36\">Standard/Auslegung/Anpassung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2590 ss128\"><div><div class=\"ps281 ss127\"><span class=\"f charStyle-37455c2a ps2589\">Erwartete Auswirkungen auf BAWAG <span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss129\"><div><div class=\"ps624 ss125\"><span class=\"f charStyle-37455c2a ps36\">IFRS 18 Darstellung und Angaben im Abschluss<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss125\"><span class=\"f charStyle-37455c2a ps36\">(ver\u00f6ffentlicht am 9. April 2024)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2592 ss128\"><div><div class=\"ps281 ss127\"><span class=\"f charStyle-cc1eb9a4 ps2591\">wesentlich<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2242 ss129\"><div><div class=\"ps624 ss125\"><span class=\"f charStyle-37455c2a ps36\">IFRS 19 Tochterunternehmen ohne \u00f6ffentliche Rechenschaftspflicht: <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss125\"><span class=\"f charStyle-37455c2a ps36\">Angaben (ver\u00f6ffentlicht am 9. Mai 2024)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2594 ss128\"><div><div class=\"ps281 ss127\"><span class=\"f charStyle-cc1eb9a4 ps2593\">keine<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2243 ss129\" style=\"overflow:hidden\"><div><div class=\"ps2595 ss125\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderungen zu IAS 21 Auswirkungen von \u00c4nderungen der Wechselkurse: <span class=\"f ps37\"> </span></span></div><div class=\"ps624 ss125\"><span class=\"f charStyle-37455c2a ps36\">Umrechnung in eine hochinflation\u00e4re Darstellungsw\u00e4hrung </span></div><div class=\"ps281 ss125\"><span class=\"f charStyle-37455c2a ps36\">(ver\u00f6ffentlicht am 13. November 2025)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2596 ss128\"><div><div class=\"ps281 ss127\"><span class=\"f charStyle-cc1eb9a4 ps2593\">keine<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1823 ss129\"><div><div class=\"ps624 ss125\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderungen zu IFRS 19 Tochterunternehmen ohne \u00f6ffentliche <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss125\"><span class=\"f charStyle-37455c2a ps36\">Rechenschaftspflicht: Angaben (ver\u00f6ffentlicht am 21. August 2025)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2597 ss128\"><div><div class=\"ps281 ss127\"><span class=\"f charStyle-cc1eb9a4 ps2593\">keine<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">IFRS 18, der IAS 1 Darstellung des Abschlusses ersetzen wird,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">beinhaltet neue Regelungen zur Struktur der Gewinn- und</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verlustrechnung und neue Anforderungen zur</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ver\u00f6ffentlichung zu von der Unternehmensleitung definierten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Erfolgskennzahlen, sogenannten \u201eManagement-defined</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Performance Measures\u201c (MPMs). Der neue Standard tritt f\u00fcr</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Gesch\u00e4ftsjahre in Kraft, die am oder nach dem 1. Januar 2027</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">beginnen. Die BAWAG \u00fcberpr\u00fcft zurzeit den Einfluss der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Anforderungen des IFRS 18 auf die Struktur der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Berichterstattung, geht aber von wesentlichen Auswirkungen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps185\" style=\"width:16.87pt\">aus.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesAccountingEstimatesAndErrorsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-686": {
   "value": "<div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Auswirkung der Anwendung ge\u00e4nderter bzw. neuer </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Standards</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Folgende neue Standards, \u00c4nderungen und Interpretationen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zu bereits bestehenden Standards sind erstmals f\u00fcr den</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:212.72pt\">Konzernabschluss 2025 verpflichtend anzuwenden:</span></div><div class=\"ps2555 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:279pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss118\"><div><div class=\"ps276 ss117\"><span class=\"f charStyle-9f85f029 ps36\">Standards/Ge\u00e4nderte Standards/Auslegung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2541 ss120\"><div><div class=\"ps40 ss119\"><span class=\"f charStyle-37455c2a ps2539\">Erstmalige <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss119\"><span class=\"f charStyle-37455c2a ps2540\">Anwendung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2544 ss120\"><div><div class=\"ps40 ss119\"><span class=\"f charStyle-37455c2a ps2542\">von der EU <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss119\"><span class=\"f charStyle-37455c2a ps2543\">\u00fcbernommen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2547 ss120\"><div><div class=\"ps40 ss119\"><span class=\"f charStyle-37455c2a ps2545\">Auswirkungen auf die <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss119\"><span class=\"f charStyle-37455c2a ps2546\">BAWAG</span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2548 ss121\"><div><div class=\"ps40 ss117\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderungen zu IAS 21 Auswirkungen von \u00c4nderungen der Wechselkurse: <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss117\"><span class=\"f charStyle-37455c2a ps36\">Mangel an Umtauschbarkeit (ver\u00f6ffentlicht am 15. August 2023)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2550 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2549\">1. J\u00e4nner 2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2552 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2551\">12. November 2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2554 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2553\">keine<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Folgende neue Standards, \u00c4nderungen und Interpretationen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zu bereits bestehenden Standards sind vom International</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Accounting Standards Board (IASB) beschlossen und von der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">EU \u00fcbernommen worden, jedoch f\u00fcr die Erstellung des</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps2560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">vorliegenden IFRS-Abschlusses zum 31. Dezember 2025 noch</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2561 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">nicht verpflichtend anzuwenden. Die BAWAG plant keine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vorzeitige Anwendung von Standards, die bereits von der EU</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">\u00fcbernommen wurden, jedoch nicht verpflichtend anzuwenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:19.87pt\">sind:</span></div><div class=\"ps2584 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:279pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:81pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss118\"><div><div class=\"ps276 ss117\"><span class=\"f charStyle-9f85f029 ps36\">Standards/Ge\u00e4nderte Standards/Auslegung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2541 ss122\"><div><div class=\"ps2566 ss119\"><span class=\"f charStyle-37455c2a ps2539\">Erstmalige <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss119\"><span class=\"f charStyle-37455c2a ps2540\">Anwendung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2544 ss122\"><div><div class=\"ps2566 ss119\"><span class=\"f charStyle-37455c2a ps2542\">von der EU <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss119\"><span class=\"f charStyle-37455c2a ps2543\">\u00fcbernommen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2547 ss122\"><div><div class=\"ps291 ss119\"><span class=\"f charStyle-37455c2a ps2568\">Erwartete <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss119\"><span class=\"f charStyle-37455c2a ps2545\">Auswirkungen auf die </span></div><div class=\"ps2567 ss119\"><span class=\"f charStyle-37455c2a ps2546\">BAWAG</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1334 ss123\"><div><div class=\"ps624 ss117\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderungen zu IFRS 9 und IFRS 7: \u00c4nderungen an der Klassifizierung und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss117\"><span class=\"f charStyle-37455c2a ps36\">Bewertung von Finanzinstrumenten (ver\u00f6ffentlicht am 30. Mai 2024)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2569 ss124\"><div><div class=\"ps281 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2549\">1. J\u00e4nner 2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2571 ss124\"><div><div class=\"ps281 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2570\">27. Mai 2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2573 ss124\"><div><div class=\"ps281 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2572\">unwesentlich<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2574 ss121\"><div><div class=\"ps40 ss117\"><span class=\"f charStyle-37455c2a ps36\">J\u00e4hrliche Verbesserungen an den IFRS Rechnungslegungsstandards \u2014 Band 11 <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss117\"><span class=\"f charStyle-37455c2a ps36\">(ver\u00f6ffentlicht am 18. Juli 2024)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2575 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2549\">1. J\u00e4nner 2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2577 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2576\">9. Juli 2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2578 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2572\">unwesentlich<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2579 ss121\"><div><div class=\"ps40 ss117\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderungen zu IFRS 9 und IFRS 7: Vertr\u00e4ge mit Bezug auf naturabh\u00e4ngige <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss117\"><span class=\"f charStyle-37455c2a ps36\">Elektrizit\u00e4t (ver\u00f6ffentlicht am 18. Dezember 2024)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2580 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2549\">1. J\u00e4nner 2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2582 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2581\">30. Juni 2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2583 ss120\"><div><div class=\"ps1717 ss119\"><span class=\"f charStyle-cc1eb9a4 ps2553\">keine<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2585 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die folgenden vom International Accounting Standards Board</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2586 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">(IASB) beschlossenen Standards und \u00c4nderungen wurden von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2587 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">der EU noch nicht \u00fcbernommen. Die BAWAG plant keine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2588 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:95.64pt\">vorzeitige Anwendung:</span></div><div class=\"ps2598 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:276.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss126\"><div><div class=\"ps276 ss125\"><span class=\"f charStyle-9f85f029 ps36\">Standard/Auslegung/Anpassung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2590 ss128\"><div><div class=\"ps281 ss127\"><span class=\"f charStyle-37455c2a ps2589\">Erwartete Auswirkungen auf BAWAG <span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss129\"><div><div class=\"ps624 ss125\"><span class=\"f charStyle-37455c2a ps36\">IFRS 18 Darstellung und Angaben im Abschluss<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss125\"><span class=\"f charStyle-37455c2a ps36\">(ver\u00f6ffentlicht am 9. April 2024)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2592 ss128\"><div><div class=\"ps281 ss127\"><span class=\"f charStyle-cc1eb9a4 ps2591\">wesentlich<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2242 ss129\"><div><div class=\"ps624 ss125\"><span class=\"f charStyle-37455c2a ps36\">IFRS 19 Tochterunternehmen ohne \u00f6ffentliche Rechenschaftspflicht: <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss125\"><span class=\"f charStyle-37455c2a ps36\">Angaben (ver\u00f6ffentlicht am 9. Mai 2024)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2594 ss128\"><div><div class=\"ps281 ss127\"><span class=\"f charStyle-cc1eb9a4 ps2593\">keine<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2243 ss129\" style=\"overflow:hidden\"><div><div class=\"ps2595 ss125\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderungen zu IAS 21 Auswirkungen von \u00c4nderungen der Wechselkurse: <span class=\"f ps37\"> </span></span></div><div class=\"ps624 ss125\"><span class=\"f charStyle-37455c2a ps36\">Umrechnung in eine hochinflation\u00e4re Darstellungsw\u00e4hrung </span></div><div class=\"ps281 ss125\"><span class=\"f charStyle-37455c2a ps36\">(ver\u00f6ffentlicht am 13. November 2025)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2596 ss128\"><div><div class=\"ps281 ss127\"><span class=\"f charStyle-cc1eb9a4 ps2593\">keine<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1823 ss129\"><div><div class=\"ps624 ss125\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderungen zu IFRS 19 Tochterunternehmen ohne \u00f6ffentliche <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss125\"><span class=\"f charStyle-37455c2a ps36\">Rechenschaftspflicht: Angaben (ver\u00f6ffentlicht am 21. August 2025)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2597 ss128\"><div><div class=\"ps281 ss127\"><span class=\"f charStyle-cc1eb9a4 ps2593\">keine<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">IFRS 18, der IAS 1 Darstellung des Abschlusses ersetzen wird,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">beinhaltet neue Regelungen zur Struktur der Gewinn- und</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verlustrechnung und neue Anforderungen zur</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ver\u00f6ffentlichung zu von der Unternehmensleitung definierten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Erfolgskennzahlen, sogenannten \u201eManagement-defined</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Performance Measures\u201c (MPMs). Der neue Standard tritt f\u00fcr</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Gesch\u00e4ftsjahre in Kraft, die am oder nach dem 1. Januar 2027</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">beginnen. Die BAWAG \u00fcberpr\u00fcft zurzeit den Einfluss der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Anforderungen des IFRS 18 auf die Struktur der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Berichterstattung, geht aber von wesentlichen Auswirkungen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps185\" style=\"width:16.87pt\">aus.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfChangesInAccountingPoliciesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-688": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Ergebnis je Aktie</span><div class=\"ps2608 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss132\"><div><div class=\"ps276 ss131\"><span class=\"f charStyle-b07a4b4f ps36\">Ergebnis je Aktie gem\u00e4\u00df IAS 33</span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps1091 ss131\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Eigent\u00fcmern des Mutterunternehmens zuzurechnendes Ergebnis (in Mio. \u20ac)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps437\">859,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">760,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">AT1-Kupon (in Mio. \u20ac)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-46,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-22,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Eigent\u00fcmern des Mutterunternehmens zuzurechnendes Ergebnis nach Abzug des AT1-Kupons (in Mio. \u20ac)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps441\">813,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">738,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Gewichtete durchschnittliche Anzahl der Aktien im Umlauf<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps2607\">77.862.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">78.508.997<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Unverw\u00e4ssertes Ergebnis je Aktie (in \u20ac)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps441\">10,45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">9,40<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Gewichtete durchschnittliche und verw\u00e4sserte Anzahl der Aktien im Umlauf<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps2607\">79.138.830<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">79.144.012<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verw\u00e4ssertes Ergebnis je Aktie (in \u20ac)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps441\">10,28<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">9,32<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2611 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss135\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Zus\u00e4tzliche Informationen zum Ergebnis nach Steuern je Aktie gem\u00e4\u00df interner Definition der BAWAG <span class=\"f ps37\"> </span></span></div><div class=\"ps2467 ss15\"><span class=\"f charStyle-9f85f029 ps36\">(vor Abzug des AT1-Kupons; nicht dem IAS 33 entsprechend)<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss133\"><div><div class=\"ps1091 ss131\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2609 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2610 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Eigent\u00fcmern des Mutterunternehmens zuzurechnendes Ergebnis (in Mio. \u20ac)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps441\">859,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">760,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Gewichtete durchschnittliche und verw\u00e4sserte Anzahl der Aktien im Umlauf<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps2607\">79.138.830<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">79.144.012<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Ergebnis nach Steuern je Aktie (\u20ac) \u2013 BAWAG-Definition<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps441\">10,87<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">9,60<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2612 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Ver\u00e4nderung der Anzahl der im Umlauf befindlichen Aktien<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps1091 ss131\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Im Umlauf befindliche Aktien am Anfang der Periode<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps2607\">78.524.046<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">78.507.604<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Im Umlauf befindliche Aktien am Ende der Periode<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps2607\">76.976.955<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">78.524.046<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Gewichtete durchschnittliche Anzahl der Aktien im Umlauf<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps2607\">77.862.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">78.508.997<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Gewichtete durchschnittliche und verw\u00e4sserte Anzahl der Aktien im Umlauf<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps2607\">79.138.830<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">79.144.012<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2613 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Das Ergebnis je Aktie stellt das den Stammaktion\u00e4ren des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2614 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Mutterunternehmens zurechenbare Ergebnis der gewichteten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2615 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">durchschnittlichen Zahl der in der Berichtsperiode im Umlauf</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2616 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">befindlichen Stammaktien gegen\u00fcber. Im Rahmen unseres</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2617 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">langfristigen Incentivierungsprogramms werden den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2618 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Mitarbeitern nach Erf\u00fcllung bestimmter Bedingungen Aktien</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2620 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:212.54pt\">zugeteilt. F\u00fcr diese Aktien wurde ein </span><span class=\"f charStyle-34546584 ps2619\" style=\"width:49.52pt\">potenzieller</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:134.28pt\">Verw\u00e4sserungseffekt gerechnet.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEarningsPerShareExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-689": {
   "value": "<div class=\"ps2613 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Das Ergebnis je Aktie stellt das den Stammaktion\u00e4ren des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2614 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Mutterunternehmens zurechenbare Ergebnis der gewichteten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2615 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">durchschnittlichen Zahl der in der Berichtsperiode im Umlauf</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2616 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">befindlichen Stammaktien gegen\u00fcber. Im Rahmen unseres</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2617 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">langfristigen Incentivierungsprogramms werden den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2618 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Mitarbeitern nach Erf\u00fcllung bestimmter Bedingungen Aktien</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2620 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:212.54pt\">zugeteilt. F\u00fcr diese Aktien wurde ein </span><span class=\"f charStyle-34546584 ps2619\" style=\"width:49.52pt\">potenzieller</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:134.28pt\">Verw\u00e4sserungseffekt gerechnet.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForEarningsPerShareExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-697": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Nettozinsertrag</span><div class=\"ps1179 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps440\">3.356,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">3.097,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">20,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">29,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">62,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">97,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps437\">517,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">605,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verm\u00f6genswerte zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps436\">2.858,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">2.340,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Derivate f\u00fcr Sicherungsma\u00dfnahmen (Zinsrisiko)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-102,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">21,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsertrag aus finanziellen Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Andere Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps2625\">-1.523,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2625\">-1.789,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-3,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-536,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-624,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-855,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-769,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Derivate f\u00fcr Sicherungsma\u00dfnahmen (Zinsrisiko)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-120,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-381,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sozialkapitalr\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-7,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-7,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsaufwand aus IFRS 16 Leasingverbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps510 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps511 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsaufwand aus finanziellen Verm\u00f6gensgegenst\u00e4nden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Dividendenertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps2626\">4,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps775 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">3,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1767 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Nettozinsertrag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps440\">1.836,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1770 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.311,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2627 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Zinsen auf wertberichtigte Forderungen beliefen sich in</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2628 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">der Berichtsperiode 2025 auf 28,9\u00a0Mio.\u00a0\u20ac (2024: 16,0\u00a0Mio.\u00a0\u20ac).</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2629 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zinsertr\u00e4ge aus im sonstigen Ergebnis ausgewiesenen zum</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2630 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beizulegenden Zeitwert bewerteten finanziellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2631 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerten und finanziellen Verm\u00f6genswerten zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2632 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">fortgef\u00fchrten Anschaffungskosten werden mittels</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2633 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Effektivzinsmethode ermittelt. Die Dividendenertr\u00e4ge aus im</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2634 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">sonstigen Ergebnis ausgewiesenen zum beizulegenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2635 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zeitwert bewerteten finanziellen Verm\u00f6genswerten kommen,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2636 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">wie im Vorjahr, aus Finanzinvestitionen, die am</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:148.95pt\">Abschlussstichtag gehalten wurden.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-696": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Nettozinsertrag</span><div class=\"ps1179 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps440\">3.356,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">3.097,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">20,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">29,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">62,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">97,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps437\">517,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">605,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verm\u00f6genswerte zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps436\">2.858,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">2.340,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Derivate f\u00fcr Sicherungsma\u00dfnahmen (Zinsrisiko)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-102,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">21,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsertrag aus finanziellen Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Andere Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps2625\">-1.523,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2625\">-1.789,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-3,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-536,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-624,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-855,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-769,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Derivate f\u00fcr Sicherungsma\u00dfnahmen (Zinsrisiko)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-120,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-381,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sozialkapitalr\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-7,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-7,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsaufwand aus IFRS 16 Leasingverbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps510 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps511 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsaufwand aus finanziellen Verm\u00f6gensgegenst\u00e4nden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Dividendenertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps2626\">4,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps775 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">3,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1767 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Nettozinsertrag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps440\">1.836,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1770 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.311,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2627 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Zinsen auf wertberichtigte Forderungen beliefen sich in</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2628 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">der Berichtsperiode 2025 auf 28,9\u00a0Mio.\u00a0\u20ac (2024: 16,0\u00a0Mio.\u00a0\u20ac).</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2629 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zinsertr\u00e4ge aus im sonstigen Ergebnis ausgewiesenen zum</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2630 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beizulegenden Zeitwert bewerteten finanziellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2631 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerten und finanziellen Verm\u00f6genswerten zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2632 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">fortgef\u00fchrten Anschaffungskosten werden mittels</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2633 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Effektivzinsmethode ermittelt. Die Dividendenertr\u00e4ge aus im</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2634 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">sonstigen Ergebnis ausgewiesenen zum beizulegenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2635 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zeitwert bewerteten finanziellen Verm\u00f6genswerten kommen,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2636 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">wie im Vorjahr, aus Finanzinvestitionen, die am</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:148.95pt\">Abschlussstichtag gehalten wurden.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-695": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Nettozinsertrag</span><div class=\"ps1179 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps440\">3.356,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">3.097,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">20,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">29,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">62,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">97,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps437\">517,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">605,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verm\u00f6genswerte zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps436\">2.858,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">2.340,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Derivate f\u00fcr Sicherungsma\u00dfnahmen (Zinsrisiko)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-102,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">21,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsertrag aus finanziellen Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Andere Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps2625\">-1.523,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2625\">-1.789,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-3,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-536,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-624,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-855,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-769,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Derivate f\u00fcr Sicherungsma\u00dfnahmen (Zinsrisiko)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-120,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-381,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sozialkapitalr\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-7,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-7,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsaufwand aus IFRS 16 Leasingverbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps510 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps511 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsaufwand aus finanziellen Verm\u00f6gensgegenst\u00e4nden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Dividendenertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps2626\">4,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps775 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">3,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1767 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Nettozinsertrag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps440\">1.836,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1770 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.311,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2627 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Zinsen auf wertberichtigte Forderungen beliefen sich in</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2628 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">der Berichtsperiode 2025 auf 28,9\u00a0Mio.\u00a0\u20ac (2024: 16,0\u00a0Mio.\u00a0\u20ac).</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2629 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zinsertr\u00e4ge aus im sonstigen Ergebnis ausgewiesenen zum</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2630 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beizulegenden Zeitwert bewerteten finanziellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2631 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerten und finanziellen Verm\u00f6genswerten zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2632 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">fortgef\u00fchrten Anschaffungskosten werden mittels</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2633 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Effektivzinsmethode ermittelt. Die Dividendenertr\u00e4ge aus im</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2634 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">sonstigen Ergebnis ausgewiesenen zum beizulegenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2635 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zeitwert bewerteten finanziellen Verm\u00f6genswerten kommen,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2636 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">wie im Vorjahr, aus Finanzinvestitionen, die am</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:148.95pt\">Abschlussstichtag gehalten wurden.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceCostExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-694": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Nettozinsertrag</span><div class=\"ps1179 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps440\">3.356,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">3.097,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">20,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">29,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">62,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">97,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps437\">517,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">605,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verm\u00f6genswerte zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps436\">2.858,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">2.340,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Derivate f\u00fcr Sicherungsma\u00dfnahmen (Zinsrisiko)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-102,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">21,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsertrag aus finanziellen Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Andere Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps2625\">-1.523,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2625\">-1.789,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-3,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-536,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-624,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-855,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-769,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Derivate f\u00fcr Sicherungsma\u00dfnahmen (Zinsrisiko)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-120,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-381,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sozialkapitalr\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-7,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-7,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsaufwand aus IFRS 16 Leasingverbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps510 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps511 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsaufwand aus finanziellen Verm\u00f6gensgegenst\u00e4nden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Dividendenertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps2626\">4,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps775 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">3,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1767 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Nettozinsertrag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps440\">1.836,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1770 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.311,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2627 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Zinsen auf wertberichtigte Forderungen beliefen sich in</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2628 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">der Berichtsperiode 2025 auf 28,9\u00a0Mio.\u00a0\u20ac (2024: 16,0\u00a0Mio.\u00a0\u20ac).</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2629 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zinsertr\u00e4ge aus im sonstigen Ergebnis ausgewiesenen zum</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2630 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beizulegenden Zeitwert bewerteten finanziellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2631 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerten und finanziellen Verm\u00f6genswerten zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2632 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">fortgef\u00fchrten Anschaffungskosten werden mittels</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2633 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Effektivzinsmethode ermittelt. Die Dividendenertr\u00e4ge aus im</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2634 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">sonstigen Ergebnis ausgewiesenen zum beizulegenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2635 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zeitwert bewerteten finanziellen Verm\u00f6genswerten kommen,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2636 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">wie im Vorjahr, aus Finanzinvestitionen, die am</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:148.95pt\">Abschlussstichtag gehalten wurden.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinanceIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-693": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Nettozinsertrag</span><div class=\"ps1179 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps440\">3.356,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">3.097,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">20,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">29,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">62,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">97,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps437\">517,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">605,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verm\u00f6genswerte zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps436\">2.858,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">2.340,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Derivate f\u00fcr Sicherungsma\u00dfnahmen (Zinsrisiko)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-102,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">21,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsertrag aus finanziellen Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Andere Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps2625\">-1.523,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2625\">-1.789,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-3,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-536,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-624,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-855,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-769,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Derivate f\u00fcr Sicherungsma\u00dfnahmen (Zinsrisiko)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-120,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-381,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sozialkapitalr\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-7,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-7,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsaufwand aus IFRS 16 Leasingverbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps510 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps511 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsaufwand aus finanziellen Verm\u00f6gensgegenst\u00e4nden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Dividendenertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps2626\">4,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps775 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">3,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1767 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Nettozinsertrag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps440\">1.836,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1770 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.311,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2627 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Zinsen auf wertberichtigte Forderungen beliefen sich in</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2628 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">der Berichtsperiode 2025 auf 28,9\u00a0Mio.\u00a0\u20ac (2024: 16,0\u00a0Mio.\u00a0\u20ac).</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2629 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zinsertr\u00e4ge aus im sonstigen Ergebnis ausgewiesenen zum</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2630 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beizulegenden Zeitwert bewerteten finanziellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2631 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerten und finanziellen Verm\u00f6genswerten zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2632 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">fortgef\u00fchrten Anschaffungskosten werden mittels</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2633 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Effektivzinsmethode ermittelt. Die Dividendenertr\u00e4ge aus im</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2634 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">sonstigen Ergebnis ausgewiesenen zum beizulegenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2635 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zeitwert bewerteten finanziellen Verm\u00f6genswerten kommen,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2636 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">wie im Vorjahr, aus Finanzinvestitionen, die am</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:148.95pt\">Abschlussstichtag gehalten wurden.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestExpenseExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-692": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Nettozinsertrag</span><div class=\"ps1179 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps440\">3.356,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">3.097,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">20,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">29,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">62,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">97,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps437\">517,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">605,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verm\u00f6genswerte zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps436\">2.858,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">2.340,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Derivate f\u00fcr Sicherungsma\u00dfnahmen (Zinsrisiko)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-102,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">21,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsertrag aus finanziellen Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Andere Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps2625\">-1.523,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2625\">-1.789,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-3,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-536,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-624,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-855,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-769,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Derivate f\u00fcr Sicherungsma\u00dfnahmen (Zinsrisiko)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-120,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-381,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sozialkapitalr\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-7,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-7,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsaufwand aus IFRS 16 Leasingverbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps510 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps511 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsaufwand aus finanziellen Verm\u00f6gensgegenst\u00e4nden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Dividendenertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps2626\">4,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps775 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">3,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1767 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Nettozinsertrag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps440\">1.836,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1770 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.311,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2627 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Zinsen auf wertberichtigte Forderungen beliefen sich in</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2628 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">der Berichtsperiode 2025 auf 28,9\u00a0Mio.\u00a0\u20ac (2024: 16,0\u00a0Mio.\u00a0\u20ac).</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2629 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zinsertr\u00e4ge aus im sonstigen Ergebnis ausgewiesenen zum</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2630 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beizulegenden Zeitwert bewerteten finanziellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2631 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerten und finanziellen Verm\u00f6genswerten zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2632 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">fortgef\u00fchrten Anschaffungskosten werden mittels</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2633 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Effektivzinsmethode ermittelt. Die Dividendenertr\u00e4ge aus im</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2634 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">sonstigen Ergebnis ausgewiesenen zum beizulegenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2635 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zeitwert bewerteten finanziellen Verm\u00f6genswerten kommen,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2636 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">wie im Vorjahr, aus Finanzinvestitionen, die am</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:148.95pt\">Abschlussstichtag gehalten wurden.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-691": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Nettozinsertrag</span><div class=\"ps1179 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps440\">3.356,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">3.097,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">20,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">29,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">62,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">97,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps437\">517,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">605,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verm\u00f6genswerte zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps436\">2.858,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">2.340,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Derivate f\u00fcr Sicherungsma\u00dfnahmen (Zinsrisiko)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-102,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">21,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsertrag aus finanziellen Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Andere Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps2625\">-1.523,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2625\">-1.789,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-3,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-536,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-624,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-855,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-769,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Derivate f\u00fcr Sicherungsma\u00dfnahmen (Zinsrisiko)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-120,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-381,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sozialkapitalr\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-7,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-7,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsaufwand aus IFRS 16 Leasingverbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps510 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps511 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsaufwand aus finanziellen Verm\u00f6gensgegenst\u00e4nden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Dividendenertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps2626\">4,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps775 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">3,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1767 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Nettozinsertrag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps440\">1.836,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1770 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.311,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2627 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Zinsen auf wertberichtigte Forderungen beliefen sich in</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2628 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">der Berichtsperiode 2025 auf 28,9\u00a0Mio.\u00a0\u20ac (2024: 16,0\u00a0Mio.\u00a0\u20ac).</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2629 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zinsertr\u00e4ge aus im sonstigen Ergebnis ausgewiesenen zum</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2630 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beizulegenden Zeitwert bewerteten finanziellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2631 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerten und finanziellen Verm\u00f6genswerten zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2632 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">fortgef\u00fchrten Anschaffungskosten werden mittels</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2633 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Effektivzinsmethode ermittelt. Die Dividendenertr\u00e4ge aus im</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2634 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">sonstigen Ergebnis ausgewiesenen zum beizulegenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2635 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zeitwert bewerteten finanziellen Verm\u00f6genswerten kommen,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2636 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">wie im Vorjahr, aus Finanzinvestitionen, die am</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2638 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:148.95pt\">Abschlussstichtag gehalten wurden.</span><span class=\"f charStyle-34546584 ps2637\" style=\"width:2.36pt\"> </span></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps2\">4 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2387\">Provisions\u00fcberschuss</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Der Provisions\u00fcberschuss gliedert sich wie folgt auf die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:138.19pt\">einzelnen Segmente der BAWAG:</span></div><div class=\"ps2747 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss136\"><div><div class=\"ps276 ss17\"><span class=\"f charStyle-9f85f029 ps36\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2647\">BAWAG<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisionsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">508,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">32,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">1,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">542,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Zahlungsverkehr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">305,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">32,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">338,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Beratungsdienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">133,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">134,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapier- und Depotgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">113,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">114,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Versicherung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">20,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">20,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Kreditgesch\u00e4ft und sonstige Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">69,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">69,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2683 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Kreditgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">39,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">39,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2689 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Factoring<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">19,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">19,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2262 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">10,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2696 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2697 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">10,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2096 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisionsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-166,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-4,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2102 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-1,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-172,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps751 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Zahlungsverkehr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-105,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-4,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-109,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2699 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Beratungsdienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2705 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapier- und Depotgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2706 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2707 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2708 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2709 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2711 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Versicherung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2714 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2715 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2716 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2717 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Kreditgesch\u00e4ft und sonstige Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-48,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2720 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2722 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-49,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2723 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Kreditgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-46,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2726 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-46,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2729 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Factoring<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2731 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2732 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2733 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2735 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2736 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2738 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2739 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2741 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisions\u00fcberschuss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2742 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">342,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2743 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">28,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2744 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2745 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2746 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">370,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss136\"><div><div class=\"ps276 ss17\"><span class=\"f charStyle-9f85f029 ps36\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2647\">BAWAG<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisionsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">381,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">37,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">419,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Zahlungsverkehr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">209,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">37,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">246,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Beratungsdienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">116,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">117,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapier- und Depotgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">100,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">100,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Versicherung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">16,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">16,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Kreditgesch\u00e4ft und sonstige Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">56,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">56,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2683 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Kreditgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">31,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">31,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2689 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Factoring<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">19,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">19,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2262 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">4,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2696 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2697 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">5,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2096 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisionsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-102,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-4,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2102 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-2,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-109,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps751 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Zahlungsverkehr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-62,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-4,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-67,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2699 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Beratungsdienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-12,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2705 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapier- und Depotgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2706 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-12,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2707 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2708 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2709 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2711 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Versicherung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2714 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2715 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2716 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2717 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Kreditgesch\u00e4ft und sonstige Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-27,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2720 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2722 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-29,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2723 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Kreditgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-25,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2726 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-25,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2729 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Factoring<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2731 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2732 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2733 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2735 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2736 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2738 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2739 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2741 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisions\u00fcberschuss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2742 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">279,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2743 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">32,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2744 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2745 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2746 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">309,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2748 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Im Provisions\u00fcberschuss ist ein Betrag aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2749 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Treuhandgesch\u00e4ften in H\u00f6he von 1,6\u00a0Mio.\u00a0\u20ac (2024: 1,6\u00a0Mio.\u00a0\u20ac)</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps2750 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">enthalten. Ertr\u00e4ge aus dem Zahlungsverkehr und aus dem</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2751 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Wertpapier- und Depotgesch\u00e4ft werden haupts\u00e4chlich</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2752 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zeitpunktbezogen erfasst. Ertr\u00e4ge aus dem Kreditgesch\u00e4ft</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2753 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">werden haupts\u00e4chlich zeitraumbezogen erfasst. Sonstige</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2754 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ertr\u00e4ge werden unter Verwendung einer Mischung aus</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2755 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:199.95pt\">zeitpunktbezogen und zeitraumbezogen erfasst.</span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueFromContractsWithCustomersExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-690": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Nettozinsertrag</span><div class=\"ps1179 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps440\">3.356,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">3.097,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">20,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">29,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">62,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">97,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps437\">517,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">605,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verm\u00f6genswerte zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps436\">2.858,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">2.340,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Derivate f\u00fcr Sicherungsma\u00dfnahmen (Zinsrisiko)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-102,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">21,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsertrag aus finanziellen Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Andere Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps2625\">-1.523,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2625\">-1.789,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-3,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-536,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-624,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-855,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-769,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Derivate f\u00fcr Sicherungsma\u00dfnahmen (Zinsrisiko)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-120,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-381,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sozialkapitalr\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-7,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-7,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsaufwand aus IFRS 16 Leasingverbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps510 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps511 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zinsaufwand aus finanziellen Verm\u00f6gensgegenst\u00e4nden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Dividendenertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps2626\">4,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps775 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">3,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1767 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Nettozinsertrag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps440\">1.836,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1770 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.311,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2627 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Zinsen auf wertberichtigte Forderungen beliefen sich in</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2628 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">der Berichtsperiode 2025 auf 28,9\u00a0Mio.\u00a0\u20ac (2024: 16,0\u00a0Mio.\u00a0\u20ac).</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2629 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zinsertr\u00e4ge aus im sonstigen Ergebnis ausgewiesenen zum</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2630 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beizulegenden Zeitwert bewerteten finanziellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2631 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerten und finanziellen Verm\u00f6genswerten zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2632 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">fortgef\u00fchrten Anschaffungskosten werden mittels</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2633 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Effektivzinsmethode ermittelt. Die Dividendenertr\u00e4ge aus im</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2634 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">sonstigen Ergebnis ausgewiesenen zum beizulegenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2635 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zeitwert bewerteten finanziellen Verm\u00f6genswerten kommen,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2636 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">wie im Vorjahr, aus Finanzinvestitionen, die am</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2638 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:148.95pt\">Abschlussstichtag gehalten wurden.</span><span class=\"f charStyle-34546584 ps2637\" style=\"width:2.36pt\"> </span></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps2\">4 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2387\">Provisions\u00fcberschuss</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Der Provisions\u00fcberschuss gliedert sich wie folgt auf die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:138.19pt\">einzelnen Segmente der BAWAG:</span></div><div class=\"ps2747 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss136\"><div><div class=\"ps276 ss17\"><span class=\"f charStyle-9f85f029 ps36\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2647\">BAWAG<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisionsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">508,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">32,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">1,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">542,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Zahlungsverkehr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">305,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">32,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">338,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Beratungsdienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">133,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">134,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapier- und Depotgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">113,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">114,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Versicherung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">20,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">20,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Kreditgesch\u00e4ft und sonstige Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">69,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">69,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2683 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Kreditgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">39,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">39,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2689 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Factoring<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">19,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">19,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2262 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">10,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2696 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2697 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">10,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2096 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisionsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-166,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-4,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2102 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-1,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-172,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps751 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Zahlungsverkehr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-105,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-4,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-109,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2699 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Beratungsdienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2705 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapier- und Depotgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2706 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2707 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2708 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2709 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2711 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Versicherung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2714 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2715 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2716 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2717 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Kreditgesch\u00e4ft und sonstige Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-48,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2720 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2722 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-49,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2723 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Kreditgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-46,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2726 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-46,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2729 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Factoring<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2731 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2732 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2733 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2735 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2736 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2738 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2739 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2741 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisions\u00fcberschuss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2742 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">342,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2743 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">28,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2744 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2745 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2746 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">370,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss136\"><div><div class=\"ps276 ss17\"><span class=\"f charStyle-9f85f029 ps36\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2647\">BAWAG<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisionsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">381,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">37,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">419,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Zahlungsverkehr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">209,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">37,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">246,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Beratungsdienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">116,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">117,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapier- und Depotgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">100,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">100,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Versicherung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">16,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">16,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Kreditgesch\u00e4ft und sonstige Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">56,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">56,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2683 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Kreditgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">31,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">31,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2689 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Factoring<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">19,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">19,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2262 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">4,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2696 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2697 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">5,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2096 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisionsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-102,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-4,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2102 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-2,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-109,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps751 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Zahlungsverkehr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-62,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-4,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-67,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2699 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Beratungsdienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-12,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2705 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapier- und Depotgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2706 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-12,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2707 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2708 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2709 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2711 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Versicherung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2714 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2715 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2716 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2717 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Kreditgesch\u00e4ft und sonstige Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-27,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2720 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2722 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-29,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2723 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Kreditgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-25,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2726 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-25,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2729 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Factoring<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2731 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2732 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2733 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2735 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2736 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2738 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2739 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2741 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisions\u00fcberschuss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2742 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">279,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2743 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">32,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2744 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2745 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2746 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">309,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2748 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Im Provisions\u00fcberschuss ist ein Betrag aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2749 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Treuhandgesch\u00e4ften in H\u00f6he von 1,6\u00a0Mio.\u00a0\u20ac (2024: 1,6\u00a0Mio.\u00a0\u20ac)</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps2750 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">enthalten. Ertr\u00e4ge aus dem Zahlungsverkehr und aus dem</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2751 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Wertpapier- und Depotgesch\u00e4ft werden haupts\u00e4chlich</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2752 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zeitpunktbezogen erfasst. Ertr\u00e4ge aus dem Kreditgesch\u00e4ft</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2753 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">werden haupts\u00e4chlich zeitraumbezogen erfasst. Sonstige</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2754 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ertr\u00e4ge werden unter Verwendung einer Mischung aus</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2755 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:199.95pt\">zeitpunktbezogen und zeitraumbezogen erfasst.</span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRevenueExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-698": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Provisions\u00fcberschuss</span><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Der Provisions\u00fcberschuss gliedert sich wie folgt auf die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:138.19pt\">einzelnen Segmente der BAWAG:</span></div><div class=\"ps2747 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss136\"><div><div class=\"ps276 ss17\"><span class=\"f charStyle-9f85f029 ps36\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2647\">BAWAG<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisionsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">508,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">32,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">1,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">542,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Zahlungsverkehr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">305,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">32,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">338,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Beratungsdienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">133,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">134,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapier- und Depotgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">113,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">114,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Versicherung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">20,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">20,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Kreditgesch\u00e4ft und sonstige Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">69,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">69,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2683 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Kreditgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">39,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">39,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2689 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Factoring<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">19,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">19,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2262 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">10,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2696 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2697 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">10,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2096 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisionsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-166,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-4,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2102 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-1,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-172,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps751 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Zahlungsverkehr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-105,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-4,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-109,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2699 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Beratungsdienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2705 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapier- und Depotgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2706 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2707 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2708 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2709 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2711 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Versicherung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2714 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2715 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2716 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2717 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Kreditgesch\u00e4ft und sonstige Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-48,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2720 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2722 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-49,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2723 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Kreditgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-46,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2726 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-46,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2729 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Factoring<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2731 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2732 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2733 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2735 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2736 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2738 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2739 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2741 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisions\u00fcberschuss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2742 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">342,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2743 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">28,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2744 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2745 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2746 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">370,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss136\"><div><div class=\"ps276 ss17\"><span class=\"f charStyle-9f85f029 ps36\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2647\">BAWAG<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisionsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">381,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">37,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">419,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Zahlungsverkehr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">209,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">37,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">246,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Beratungsdienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">116,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">117,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapier- und Depotgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">100,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">100,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Versicherung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">16,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">16,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Kreditgesch\u00e4ft und sonstige Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">56,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">56,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2683 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Kreditgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">31,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">31,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2689 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Factoring<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">19,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">19,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2262 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">4,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2696 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2697 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">5,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2096 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisionsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-102,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-4,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2102 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-2,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-109,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps751 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Zahlungsverkehr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-62,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-4,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-67,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2699 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Beratungsdienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-12,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2705 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapier- und Depotgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2706 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-12,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2707 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2708 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2709 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-13,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2711 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Versicherung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2714 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2715 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2716 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2717 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">Kreditgesch\u00e4ft und sonstige Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-27,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2720 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2722 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-29,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2723 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Kreditgesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-25,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2726 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-25,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2729 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Factoring<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2731 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2732 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2733 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2735 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2736 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2738 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2739 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2741 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Provisions\u00fcberschuss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2742 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">279,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2743 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">32,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2744 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2745 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2746 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">309,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2748 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Im Provisions\u00fcberschuss ist ein Betrag aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2749 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Treuhandgesch\u00e4ften in H\u00f6he von 1,6\u00a0Mio.\u00a0\u20ac (2024: 1,6\u00a0Mio.\u00a0\u20ac)</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps2750 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">enthalten. Ertr\u00e4ge aus dem Zahlungsverkehr und aus dem</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2751 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Wertpapier- und Depotgesch\u00e4ft werden haupts\u00e4chlich</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2752 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zeitpunktbezogen erfasst. Ertr\u00e4ge aus dem Kreditgesch\u00e4ft</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2753 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">werden haupts\u00e4chlich zeitraumbezogen erfasst. Sonstige</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2754 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ertr\u00e4ge werden unter Verwendung einer Mischung aus</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2755 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:199.95pt\">zeitpunktbezogen und zeitraumbezogen erfasst.</span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFeeAndCommissionIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-700": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Gewinne und Verluste aus finanziellen </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2387\">Verm\u00f6genswerten und Schulden</span></div><div class=\"ps2792 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss133\"><div><div class=\"ps624 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Realisierte Gewinne (Verluste) aus nicht erfolgswirksam zum Zeitwert bilanzierten finanziellen Verm\u00f6genswerten und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten (netto)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps515\">14,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-2,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2242 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">15,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-6,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-1,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-7,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss133\"><div><div class=\"ps624 ss131\"><span class=\"f charStyle-37455c2a ps2762\">davon Gewinne aus der Ausbuchung von finanziellen Verm\u00f6genswerten, die zu fortgef\u00fchrten Anschaffungskosten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss131\"><span class=\"f charStyle-37455c2a ps2762\">bewertet werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss133\"><div><div class=\"ps624 ss131\"><span class=\"f charStyle-37455c2a ps2762\">davon Verluste aus der Ausbuchung von finanziellen Verm\u00f6genswerten, die zu fortgef\u00fchrten Anschaffungskosten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss131\"><span class=\"f charStyle-37455c2a ps2762\">bewertet werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2254 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps506\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2255 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-7,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1839 ss139\"><div><div class=\"ps40 ss131\"><span class=\"f charStyle-37455c2a ps621\">Entkonsolidierung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2766 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2767 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">4,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2492 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2768 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">6,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Netto-Gewinn / -Verlust aus der Vertragsanpassung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2771 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2772 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps888 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sonstiges Ergebnis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2773 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2774 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2775 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Gewinne (Verluste) aus finanziellen Verm\u00f6genswerten im Handelsbestand (netto)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps1720\">-2,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2777 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">32,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2778 ss133\"><div><div class=\"ps624 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Gewinne (Verluste) aus erfolgswirksam zum Zeitwert bewerteten finanziellen Verm\u00f6genswerten und Verbindlichkeiten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">(netto)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2779 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps515\">34,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2780 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps2626\">5,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps756 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Gewinne (Verluste) aus der Bilanzierung von Fair-Value-Hedges<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps1248\">-29,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-58,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2781 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zeitwertanpassung des Grundgesch\u00e4fts<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2782 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-471,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2783 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-255,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2784 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zeitwertanpassung des Sicherungsinstruments<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2785 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps437\">442,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2786 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">196,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2787 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgsbeitr\u00e4ge aus W\u00e4hrungsumrechnung (netto)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps1720\">-5,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps122 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Gewinne und Verluste aus finanziellen Verm\u00f6genswerten und Schulden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2790 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps515\">11,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2791 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-23,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2793 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Posten Gewinne und Verluste aus finanziellen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2794 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verm\u00f6genswerten und Schulden wird wesentlich von der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2795 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bewertung und den Verk\u00e4ufen der Veranlagungen und der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:259.92pt\">Bewertung von eigenen Emissionen und Derivaten beeinflusst.</span><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Fremdw\u00e4hrungsrisiko im Bankbuch</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die H\u00f6he der offenen Fremdw\u00e4hrungspositionen im Bankbuch</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">des Konzerns wird durch konservative Limite beschr\u00e4nkt,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">wodurch ein geringes Fremdw\u00e4hrungsrisiko im Bankbuch</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sichergestellt wird. Die Einhaltung der Limite wird t\u00e4glich</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:47.21pt\">\u00fcberwacht.</span><span class=\"f charStyle-34546584 ps8674\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Folgende Tabelle stellt Sensitivit\u00e4ten aus Fremdw\u00e4hrungen auf</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Basis der offenen Devisenposition dar. Aus Fremdw\u00e4hrungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">resultiert f\u00fcr das Bewertungsergebnis keine signifikante</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:60.61pt\">Risikoposition.</span></div><div class=\"ps8696 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:102.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss605\"><div><div class=\"ps4211 ss604\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss604\"><span class=\"f charStyle-dcb49308 ps36\">in Tsd. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8676 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-c5fdbd46 ps8675\">USD</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8678 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-c5fdbd46 ps8677\">GBP</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8680 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-c5fdbd46 ps8679\">CHF</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8681 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-c5fdbd46 ps5840\">Sonstige Fremdw\u00e4hrungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss608\"><div><div class=\"ps291 ss604\"><span class=\"f charStyle-37455c2a ps36\">FX-Ver\u00e4nderung (in %)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8683 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss608\"><div><div class=\"ps291 ss604\"><span class=\"f charStyle-37455c2a ps36\">Einfluss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8689 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.360<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.360<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">754<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-754<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">704<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-704<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">145<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-145<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3582 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:102.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss605\"><div><div class=\"ps4211 ss604\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss604\"><span class=\"f charStyle-dcb49308 ps36\">in Tsd. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8676 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-37455c2a ps8675\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8678 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-37455c2a ps8677\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8680 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-37455c2a ps8679\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8681 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-37455c2a ps5840\">Sonstige Fremdw\u00e4hrungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss608\"><div><div class=\"ps291 ss604\"><span class=\"f charStyle-37455c2a ps36\">FX-Ver\u00e4nderung (in %)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8683 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss608\"><div><div class=\"ps291 ss604\"><span class=\"f charStyle-37455c2a ps36\">Einfluss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8689 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-798<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">798<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.506<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.506<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-864<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">864<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6503 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zur Steuerung von Fremdw\u00e4hrungsrisiken wendet die BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6495 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:189.59pt\">ebenfalls Hedge Accounting gem\u00e4\u00df IAS 39 an.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEffectOfChangesInForeignExchangeRatesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-699": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Gewinne und Verluste aus finanziellen </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2387\">Verm\u00f6genswerten und Schulden</span></div><div class=\"ps2792 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss133\"><div><div class=\"ps624 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Realisierte Gewinne (Verluste) aus nicht erfolgswirksam zum Zeitwert bilanzierten finanziellen Verm\u00f6genswerten und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten (netto)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps515\">14,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-2,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2242 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">15,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-6,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-1,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-7,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss133\"><div><div class=\"ps624 ss131\"><span class=\"f charStyle-37455c2a ps2762\">davon Gewinne aus der Ausbuchung von finanziellen Verm\u00f6genswerten, die zu fortgef\u00fchrten Anschaffungskosten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss131\"><span class=\"f charStyle-37455c2a ps2762\">bewertet werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss133\"><div><div class=\"ps624 ss131\"><span class=\"f charStyle-37455c2a ps2762\">davon Verluste aus der Ausbuchung von finanziellen Verm\u00f6genswerten, die zu fortgef\u00fchrten Anschaffungskosten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss131\"><span class=\"f charStyle-37455c2a ps2762\">bewertet werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2254 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps506\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2255 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-7,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1839 ss139\"><div><div class=\"ps40 ss131\"><span class=\"f charStyle-37455c2a ps621\">Entkonsolidierung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2766 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2767 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">4,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2492 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2768 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">6,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Netto-Gewinn / -Verlust aus der Vertragsanpassung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2771 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2772 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps888 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sonstiges Ergebnis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2773 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2774 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2775 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Gewinne (Verluste) aus finanziellen Verm\u00f6genswerten im Handelsbestand (netto)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps1720\">-2,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2777 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">32,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2778 ss133\"><div><div class=\"ps624 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Gewinne (Verluste) aus erfolgswirksam zum Zeitwert bewerteten finanziellen Verm\u00f6genswerten und Verbindlichkeiten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">(netto)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2779 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps515\">34,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2780 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps2626\">5,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps756 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Gewinne (Verluste) aus der Bilanzierung von Fair-Value-Hedges<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps1248\">-29,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-58,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2781 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zeitwertanpassung des Grundgesch\u00e4fts<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2782 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-471,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2783 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-255,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2784 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Zeitwertanpassung des Sicherungsinstruments<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2785 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps437\">442,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2786 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">196,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2787 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgsbeitr\u00e4ge aus W\u00e4hrungsumrechnung (netto)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps1720\">-5,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps122 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Gewinne und Verluste aus finanziellen Verm\u00f6genswerten und Schulden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2790 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps515\">11,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2791 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-23,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2793 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Posten Gewinne und Verluste aus finanziellen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2794 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verm\u00f6genswerten und Schulden wird wesentlich von der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2795 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bewertung und den Verk\u00e4ufen der Veranlagungen und der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:259.92pt\">Bewertung von eigenen Emissionen und Derivaten beeinflusst.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTradingIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-703": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Sonstige betriebliche Ertr\u00e4ge </span><div class=\"ps2800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2799\">und Aufwendungen</span></div><div class=\"ps2826 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps616\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige betriebliche Ertr\u00e4ge <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps441\">153,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">149,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Ertr\u00e4ge aus Investment Properties<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">72,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">6,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss139\"><div><div class=\"ps40 ss131\"><span class=\"f charStyle-37455c2a ps621\">Errechneter passiver Unterschiedsbetrag iZm dem Erwerb der Knab<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">73,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2801 ss139\"><div><div class=\"ps40 ss131\"><span class=\"f charStyle-37455c2a ps621\">Errechneter passiver Unterschiedsbetrag iZm dem Erwerb der Barclays Consumer Bank Europe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2802 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps439\">18,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2803 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2344 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Weiterverrechnung Leasing-Wartungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2347 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">23,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2348 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">25,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2804 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sonstige Ertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2805 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">39,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2806 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">44,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2807 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige betriebliche Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2808 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-167,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2809 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-129,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2810 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Aufwendungen aus Investment Properties<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2811 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-25,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2812 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-5,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2492 ss139\"><div><div class=\"ps40 ss131\"><span class=\"f charStyle-37455c2a ps621\">Restrukturierungs- und sonstige Aufwendungen iZm dem Erwerb der Knab<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2768 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2769 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-30,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2356 ss139\"><div><div class=\"ps40 ss131\"><span class=\"f charStyle-37455c2a ps621\">Restrukturierungs- und sonstige Aufwendungen iZm dem Erwerb der Barclays Consumer Bank Europe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2357 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps467\">-34,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2358 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2813 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Verluste aus dem Abgang von Sachanlagen und Immateriellen Verm\u00f6genswerten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2814 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2815 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-6,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Regulatorische Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2817 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-31,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2818 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-9,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps896 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Leasing-Wartungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2819 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-23,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2820 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-25,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1883 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sonstige Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2821 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-52,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2822 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-51,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2823 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige betriebliche Ertr\u00e4ge und Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2824 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps1248\">-14,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2825 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">20,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Ertr\u00e4ge aus Investment Properties enthalten Mietertr\u00e4ge von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">24,0\u00a0Mio.\u00a0\u20ac (2024: 6,6\u00a0Mio.\u00a0\u20ac) und positive</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bewertungsergebnisse von netto 47,4 Mio. \u20ac (2024: 0,0 Mio.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:10.91pt\">\u20ac).</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwendungen aus Investment Properties enthalten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Betriebskosten von 22,0\u00a0Mio.\u00a0\u20ac und negative</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bewertungsergebnisse von netto 3,2\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">(2024:\u00a0Betriebskosten von 4,7\u00a0Mio.\u00a0\u20ac und negative</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:186.78pt\">Bewertungsergebnisse von netto 1,1\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Der Posten Regulatorische Aufwendungen beinhaltet die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bankenabgabe und die Aufwendungen f\u00fcr das</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Einlagensicherungssystem und den Abwicklungsfonds. Die in</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">dieser Position enthaltene Bankenabgabe betr\u00e4gt 2025</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.79pt\">29,1\u00a0Mio.\u00a0\u20ac (2024: 8,1\u00a0Mio.\u00a0\u20ac).</span><span class=\"f charStyle-34546584 ps2827\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die BAWAG leistete ihren Beitrag zum Single Resolution Fund</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">(SRF) in Form von Barmitteln und unwiderruflichen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zahlungszusagen. Die Beitr\u00e4ge, welche in den Jahren 2016 bis</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">2025 insgesamt in Form von unwiderruflichen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zahlungsverpflichtungen geleistet wurden, beliefen sich auf 11</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Mio. \u20ac. Im Jahr 2025 hat die BAWAG von der M\u00f6glichkeit,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Beitr\u00e4ge in Form von Zahlungsverpflichtungen zu leisten,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">keinen Gebrauch gemacht. Die BAWAG bewertet die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zahlungen, die auf Basis der unwiderruflichen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Zahlungsverpflichtung geleistet wurden, mit Null. Es wird kein</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verm\u00f6genswert angesetzt, alle in Form von</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zahlungsverpflichtungen eingebrachten Betr\u00e4ge wurden im</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:202.43pt\">Jahr der Zahlung vollst\u00e4ndig als Aufwand erfasst.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">In den sonstigen Ertr\u00e4gen sind Mieteinnahmen aus</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">untervermieteten R\u00e4umlichkeiten in H\u00f6he von 13 Mio. \u20ac</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">(2024: 22\u00a0Mio.\u00a0\u20ac) enthalten, entsprechende Aufwendungen in</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.96pt\">H\u00f6he von 11 Mio. \u20ac (2024: 15\u00a0Mio.\u00a0\u20ac) wurden in den sonstigen</span><span class=\"f charStyle-34546584 ps1370\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Aufwendungen erfasst. Des Weiteren sind in den sonstigen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Aufwendungen Zuf\u00fchrungen zu R\u00fcckstellungen f\u00fcr Rechtsf\u00e4lle</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">in H\u00f6he von 23 Mio. \u20ac enthalten (2024: 20\u00a0Mio.\u00a0\u20ac, denen eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">in den sonstigen Ertr\u00e4gen erfasste R\u00fcckzahlung in H\u00f6he von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:114.81pt\">10\u00a0Mio.\u00a0\u20ac gegen\u00fcberstand).</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-702": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Sonstige betriebliche Ertr\u00e4ge </span><div class=\"ps2800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2799\">und Aufwendungen</span></div><div class=\"ps2826 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps616\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige betriebliche Ertr\u00e4ge <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps441\">153,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">149,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Ertr\u00e4ge aus Investment Properties<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">72,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">6,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss139\"><div><div class=\"ps40 ss131\"><span class=\"f charStyle-37455c2a ps621\">Errechneter passiver Unterschiedsbetrag iZm dem Erwerb der Knab<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">73,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2801 ss139\"><div><div class=\"ps40 ss131\"><span class=\"f charStyle-37455c2a ps621\">Errechneter passiver Unterschiedsbetrag iZm dem Erwerb der Barclays Consumer Bank Europe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2802 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps439\">18,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2803 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2344 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Weiterverrechnung Leasing-Wartungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2347 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">23,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2348 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">25,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2804 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sonstige Ertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2805 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">39,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2806 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">44,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2807 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige betriebliche Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2808 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-167,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2809 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-129,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2810 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Aufwendungen aus Investment Properties<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2811 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-25,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2812 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-5,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2492 ss139\"><div><div class=\"ps40 ss131\"><span class=\"f charStyle-37455c2a ps621\">Restrukturierungs- und sonstige Aufwendungen iZm dem Erwerb der Knab<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2768 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2769 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-30,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2356 ss139\"><div><div class=\"ps40 ss131\"><span class=\"f charStyle-37455c2a ps621\">Restrukturierungs- und sonstige Aufwendungen iZm dem Erwerb der Barclays Consumer Bank Europe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2357 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps467\">-34,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2358 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2813 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Verluste aus dem Abgang von Sachanlagen und Immateriellen Verm\u00f6genswerten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2814 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2815 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-6,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Regulatorische Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2817 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-31,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2818 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-9,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps896 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Leasing-Wartungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2819 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-23,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2820 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-25,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1883 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sonstige Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2821 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-52,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2822 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-51,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2823 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige betriebliche Ertr\u00e4ge und Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2824 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps1248\">-14,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2825 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">20,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Ertr\u00e4ge aus Investment Properties enthalten Mietertr\u00e4ge von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">24,0\u00a0Mio.\u00a0\u20ac (2024: 6,6\u00a0Mio.\u00a0\u20ac) und positive</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bewertungsergebnisse von netto 47,4 Mio. \u20ac (2024: 0,0 Mio.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:10.91pt\">\u20ac).</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwendungen aus Investment Properties enthalten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Betriebskosten von 22,0\u00a0Mio.\u00a0\u20ac und negative</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bewertungsergebnisse von netto 3,2\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">(2024:\u00a0Betriebskosten von 4,7\u00a0Mio.\u00a0\u20ac und negative</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:186.78pt\">Bewertungsergebnisse von netto 1,1\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Der Posten Regulatorische Aufwendungen beinhaltet die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bankenabgabe und die Aufwendungen f\u00fcr das</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Einlagensicherungssystem und den Abwicklungsfonds. Die in</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">dieser Position enthaltene Bankenabgabe betr\u00e4gt 2025</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.79pt\">29,1\u00a0Mio.\u00a0\u20ac (2024: 8,1\u00a0Mio.\u00a0\u20ac).</span><span class=\"f charStyle-34546584 ps2827\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die BAWAG leistete ihren Beitrag zum Single Resolution Fund</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">(SRF) in Form von Barmitteln und unwiderruflichen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zahlungszusagen. Die Beitr\u00e4ge, welche in den Jahren 2016 bis</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">2025 insgesamt in Form von unwiderruflichen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zahlungsverpflichtungen geleistet wurden, beliefen sich auf 11</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Mio. \u20ac. Im Jahr 2025 hat die BAWAG von der M\u00f6glichkeit,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Beitr\u00e4ge in Form von Zahlungsverpflichtungen zu leisten,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">keinen Gebrauch gemacht. Die BAWAG bewertet die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zahlungen, die auf Basis der unwiderruflichen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Zahlungsverpflichtung geleistet wurden, mit Null. Es wird kein</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verm\u00f6genswert angesetzt, alle in Form von</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zahlungsverpflichtungen eingebrachten Betr\u00e4ge wurden im</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:202.43pt\">Jahr der Zahlung vollst\u00e4ndig als Aufwand erfasst.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">In den sonstigen Ertr\u00e4gen sind Mieteinnahmen aus</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">untervermieteten R\u00e4umlichkeiten in H\u00f6he von 13 Mio. \u20ac</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">(2024: 22\u00a0Mio.\u00a0\u20ac) enthalten, entsprechende Aufwendungen in</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.96pt\">H\u00f6he von 11 Mio. \u20ac (2024: 15\u00a0Mio.\u00a0\u20ac) wurden in den sonstigen</span><span class=\"f charStyle-34546584 ps1370\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Aufwendungen erfasst. Des Weiteren sind in den sonstigen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Aufwendungen Zuf\u00fchrungen zu R\u00fcckstellungen f\u00fcr Rechtsf\u00e4lle</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">in H\u00f6he von 23 Mio. \u20ac enthalten (2024: 20\u00a0Mio.\u00a0\u20ac, denen eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">in den sonstigen Ertr\u00e4gen erfasste R\u00fcckzahlung in H\u00f6he von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:114.81pt\">10\u00a0Mio.\u00a0\u20ac gegen\u00fcberstand).</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingExpenseExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-701": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Sonstige betriebliche Ertr\u00e4ge </span><div class=\"ps2800 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2799\">und Aufwendungen</span></div><div class=\"ps2826 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps616\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige betriebliche Ertr\u00e4ge <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps441\">153,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">149,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Ertr\u00e4ge aus Investment Properties<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">72,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">6,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss139\"><div><div class=\"ps40 ss131\"><span class=\"f charStyle-37455c2a ps621\">Errechneter passiver Unterschiedsbetrag iZm dem Erwerb der Knab<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">73,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2801 ss139\"><div><div class=\"ps40 ss131\"><span class=\"f charStyle-37455c2a ps621\">Errechneter passiver Unterschiedsbetrag iZm dem Erwerb der Barclays Consumer Bank Europe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2802 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps439\">18,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2803 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2344 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Weiterverrechnung Leasing-Wartungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2347 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">23,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2348 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">25,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2804 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sonstige Ertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2805 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">39,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2806 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">44,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2807 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige betriebliche Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2808 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-167,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2809 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-129,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2810 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Aufwendungen aus Investment Properties<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2811 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-25,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2812 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-5,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2492 ss139\"><div><div class=\"ps40 ss131\"><span class=\"f charStyle-37455c2a ps621\">Restrukturierungs- und sonstige Aufwendungen iZm dem Erwerb der Knab<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2768 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2769 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-30,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2356 ss139\"><div><div class=\"ps40 ss131\"><span class=\"f charStyle-37455c2a ps621\">Restrukturierungs- und sonstige Aufwendungen iZm dem Erwerb der Barclays Consumer Bank Europe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2357 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps467\">-34,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2358 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2813 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Verluste aus dem Abgang von Sachanlagen und Immateriellen Verm\u00f6genswerten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2814 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2815 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-6,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Regulatorische Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2817 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-31,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2818 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-9,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps896 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Leasing-Wartungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2819 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-23,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2820 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-25,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1883 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sonstige Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2821 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-52,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2822 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-51,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2823 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige betriebliche Ertr\u00e4ge und Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2824 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps1248\">-14,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2825 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">20,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Ertr\u00e4ge aus Investment Properties enthalten Mietertr\u00e4ge von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">24,0\u00a0Mio.\u00a0\u20ac (2024: 6,6\u00a0Mio.\u00a0\u20ac) und positive</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bewertungsergebnisse von netto 47,4 Mio. \u20ac (2024: 0,0 Mio.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:10.91pt\">\u20ac).</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwendungen aus Investment Properties enthalten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Betriebskosten von 22,0\u00a0Mio.\u00a0\u20ac und negative</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bewertungsergebnisse von netto 3,2\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">(2024:\u00a0Betriebskosten von 4,7\u00a0Mio.\u00a0\u20ac und negative</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:186.78pt\">Bewertungsergebnisse von netto 1,1\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Der Posten Regulatorische Aufwendungen beinhaltet die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bankenabgabe und die Aufwendungen f\u00fcr das</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Einlagensicherungssystem und den Abwicklungsfonds. Die in</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">dieser Position enthaltene Bankenabgabe betr\u00e4gt 2025</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.79pt\">29,1\u00a0Mio.\u00a0\u20ac (2024: 8,1\u00a0Mio.\u00a0\u20ac).</span><span class=\"f charStyle-34546584 ps2827\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die BAWAG leistete ihren Beitrag zum Single Resolution Fund</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">(SRF) in Form von Barmitteln und unwiderruflichen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zahlungszusagen. Die Beitr\u00e4ge, welche in den Jahren 2016 bis</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">2025 insgesamt in Form von unwiderruflichen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zahlungsverpflichtungen geleistet wurden, beliefen sich auf 11</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Mio. \u20ac. Im Jahr 2025 hat die BAWAG von der M\u00f6glichkeit,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Beitr\u00e4ge in Form von Zahlungsverpflichtungen zu leisten,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">keinen Gebrauch gemacht. Die BAWAG bewertet die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zahlungen, die auf Basis der unwiderruflichen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Zahlungsverpflichtung geleistet wurden, mit Null. Es wird kein</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verm\u00f6genswert angesetzt, alle in Form von</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zahlungsverpflichtungen eingebrachten Betr\u00e4ge wurden im</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:202.43pt\">Jahr der Zahlung vollst\u00e4ndig als Aufwand erfasst.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">In den sonstigen Ertr\u00e4gen sind Mieteinnahmen aus</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">untervermieteten R\u00e4umlichkeiten in H\u00f6he von 13 Mio. \u20ac</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">(2024: 22\u00a0Mio.\u00a0\u20ac) enthalten, entsprechende Aufwendungen in</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.96pt\">H\u00f6he von 11 Mio. \u20ac (2024: 15\u00a0Mio.\u00a0\u20ac) wurden in den sonstigen</span><span class=\"f charStyle-34546584 ps1370\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Aufwendungen erfasst. Des Weiteren sind in den sonstigen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Aufwendungen Zuf\u00fchrungen zu R\u00fcckstellungen f\u00fcr Rechtsf\u00e4lle</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">in H\u00f6he von 23 Mio. \u20ac enthalten (2024: 20\u00a0Mio.\u00a0\u20ac, denen eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">in den sonstigen Ertr\u00e4gen erfasste R\u00fcckzahlung in H\u00f6he von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:114.81pt\">10\u00a0Mio.\u00a0\u20ac gegen\u00fcberstand).</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherOperatingIncomeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-705": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Verwaltungsaufwand</span><div class=\"ps2828 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Personalaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-472,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-344,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">L\u00f6hne und Geh\u00e4lter<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-362,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-262,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Gesetzlich vorgeschriebener Sozialaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-76,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-58,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Langfristig f\u00e4llige Leistungen an Arbeitnehmer<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-22,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-14,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sonstiger Personalaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-10,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-9,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstiger Verwaltungsaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-282,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-139,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">IT und Kommunikation<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-148,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-68,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Immobilien und Instandhaltungsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-16,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-11,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Werbung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-30,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-10,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Rechts- und Beratungskosten, Outsourcing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-36,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-16,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Postgeb\u00fchren und Logistik<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-20,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-14,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Aufsichtsgeb\u00fchren und Pr\u00fcfungsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-18,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-14,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sonstige allgemeine Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-12,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-3,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verwaltungsaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-754,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-484,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGeneralAndAdministrativeExpenseExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-704": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Verwaltungsaufwand</span><div class=\"ps2828 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Personalaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-472,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-344,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">L\u00f6hne und Geh\u00e4lter<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-362,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-262,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Gesetzlich vorgeschriebener Sozialaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-76,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-58,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Langfristig f\u00e4llige Leistungen an Arbeitnehmer<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-22,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-14,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sonstiger Personalaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-10,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-9,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstiger Verwaltungsaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-282,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-139,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">IT und Kommunikation<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-148,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-68,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Immobilien und Instandhaltungsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-16,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-11,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Werbung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-30,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-10,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Rechts- und Beratungskosten, Outsourcing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-36,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-16,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Postgeb\u00fchren und Logistik<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-20,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-14,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Aufsichtsgeb\u00fchren und Pr\u00fcfungsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-18,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-14,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sonstige allgemeine Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-12,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-3,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verwaltungsaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-754,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-484,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfExpensesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-706": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Planm\u00e4\u00dfige Abschreibungen auf </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2387\">immaterielle Verm\u00f6genswerte und </span></div><div class=\"ps2830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2387\">Sachanlagen</span></div><div class=\"ps2831 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Planm\u00e4\u00dfige Abschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Kundenstock<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-9,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-10,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-32,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-33,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Sachanlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-29,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-23,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">davon Abschreibung der Nutzungsrechte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-15,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-12,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Planm\u00e4\u00dfige Abschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps1248\">-71,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-66,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepreciationAndAmortisationExpenseExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-707": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2387\">Risikokosten</span><div class=\"ps2839 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss133\"><div><div class=\"ps624 ss131\"><span class=\"f charStyle-37455c2a ps36\">Ver\u00e4nderungen von Risikovorsorgen f\u00fcr finanzielle Verm\u00f6genswerte, die zu fortgef\u00fchrten Anschaffungskosten bilanziert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss131\"><span class=\"f charStyle-37455c2a ps36\">sind</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps479\">-203,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-59,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Stage 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-34,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-17,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Stage 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-8,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">57,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Stage 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps479\">-245,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-110,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">POCI-Kredite<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">85,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">10,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps319 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Ver\u00e4nderungen von R\u00fcckstellungen f\u00fcr Kreditrisiken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps323 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-6,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps324 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-3,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps326 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Stage 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps629 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-10,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps630 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps631 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Stage 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps634 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-3,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps635 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps636 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Stage 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps639 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">7,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps640 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-4,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps641 ss133\"><div><div class=\"ps624 ss131\"><span class=\"f charStyle-37455c2a ps36\">Ver\u00e4nderungen von Risikovorsorgen f\u00fcr finanzielle Verm\u00f6genswerte, die im sonstigen Ergebnis zum beizulegenden <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss131\"><span class=\"f charStyle-37455c2a ps36\">Zeitwert bewertet werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps644 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps646 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2833 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Stage 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2834 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2835 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2836 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Zwischensumme \u2013 Risikokosten gem\u00e4\u00df IFRS 9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2837 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-209,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2838 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-62,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1668 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">R\u00fcckstellungen und Aufwendungen f\u00fcr operationelles Risiko<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps1670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-4,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1671 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-4,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1672 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen von nichtfinanziellen Verm\u00f6genswerten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1676 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Verbriefungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1677 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-14,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-14,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1679 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Risikokosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-227,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-81,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps8036\">mpairment</span><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gem\u00e4\u00df IFRS 9 werden die Wertberichtigungen anhand von</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">erwarteten Kreditverluste f\u00fcr alle nicht ausgefallenen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Verm\u00f6genswerte in Stufe 1 und 2 (in Folge als ECL bezeichnet)</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und f\u00fcr alle ausgefallenen finanziellen Verm\u00f6genswerte in<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps1242 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Stufe 3 (in Folge als LLP bezeichnet) berechnet, die zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1049 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">fortgef\u00fchrten Anschaffungskosten (AC) oder FVOCI erfasst</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1050 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden, einschlie\u00dflich Leasingforderungen, Kreditzusagen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1051 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Finanzgarantien sowie Vertragsforderungen gem\u00e4\u00df IFRS 15.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1052 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Einstufung in Stufe 3 wird gem\u00e4\u00df Kapitel \"Notleidende</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1053 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:93.26pt\">Kredite\"\u00a0 angewendet.</span></div><div class=\"ps1055 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das folgende Kapitel ist in f\u00fcnf Unterkapitel unterteilt, um die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1056 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Beurteilung und die Berechnung von Wertminderungen der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:100.48pt\">BAWAG zu beschreiben:</span><span class=\"f charStyle-34546584 ps8037\" style=\"width:2.36pt\"> </span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">1.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:71.6pt\">Stufenzuordnung</span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">2.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:134.89pt\">Berechnung der Wertminderung</span><span class=\"f charStyle-34546584 ps8039\" style=\"width:2.36pt\"> </span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">3.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:226.06pt\">Entwicklung von Buchwerten, Wertminderungen und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps5516\" style=\"width:27.05pt\">Stufen</span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">4.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:202.66pt\">Neuartige Risiken und Post-Modell-Anpassungen</span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">5.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:81.34pt\">Sensitivit\u00e4tsanalyse</span></div><span class=\"f charStyle-02ed52cc ps1633\">Stufenzuordnung</span><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Ein wesentlicher Aspekt der Sch\u00e4tzung von Wertminderungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">nach IFRS 9 ist die Einteilung der finanziellen Verm\u00f6genswerte</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">in drei Stufen. Die Stufen 1 und 2 umfassen Verm\u00f6genswerte,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">die als r\u00fcckzahlungsf\u00e4hig angesehen werden, w\u00e4hrend Stufe 3</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">f\u00fcr \u00f6konomisch notleidende Verm\u00f6genswerte (siehe Kapitel</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">\"Notleidende Kredite\") vorgesehen ist. Dar\u00fcber hinaus fallen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">finanzielle Verm\u00f6genswerte, welche bei Erwerb oder</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Kreditvergabe bereits als notleidend identifiziert wurden in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">eine separate Kategorie Purchased or originated as credit-</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">impaired (POCI). Die BAWAG-Gruppe pr\u00fcft die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Stufenzuordnung der Verm\u00f6genswerte zu jedem</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:75.39pt\">Berichtszeitpunkt.</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 1: Erstmalige Erfassung </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Stufe 1 umfasst alle finanziellen Instrumente bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">erstmaliger Erfassung (Ausnahme POCI) und diejenigen, deren</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Kreditrisiko sich seit der Ersterfassung nicht signifikant erh\u00f6ht</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:16.3pt\">hat.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 2: Signifikanter Anstieg des Kreditrisikos (SICR)</span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Finanzinstrumente, bei denen ein signifikanter Anstieg des</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Kreditrisikos seit der erstmaligen Buchung festgestellt wird,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden in Stufe 2 transferiert (Ausnahme POCI). Die SICR-</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Einstufung der Verm\u00f6genswerte wird auf Einzelkontoebene</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:57.31pt\">durchgef\u00fchrt.</span><span class=\"f charStyle-34546584 ps8040\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Transferkriterien von Stufe 1 auf Stufe 2 basieren auf drei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:30.51pt\">S\u00e4ulen:</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:89.13pt\">quantitative Kriterien</span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:82.73pt\">qualitative Kriterien</span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:79.88pt\">Backstop-Kriterium</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die quantitativen Kriterien untersuchen die Verschlechterung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">der Lifetime-PDs seit der erstmaligen Buchung, w\u00e4hrend die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">qualitativen Kriterien zus\u00e4tzliche Informationen \u00fcber die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verm\u00f6genswerte ber\u00fccksichtigen, um einen signifikanten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Anstieg des Kreditrisikos zu beurteilen. Als zus\u00e4tzliches</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Backstop-Kriterium wird in der BAWAG der Zahlungsr\u00fcckstand</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">von 30 Tagen ber\u00fccksichtigt. Wenn eines der Kriterien erf\u00fcllt</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">ist, wird ein Finanzinstrument von Stufe 1 in Stufe 2 \u00fcberf\u00fchrt.</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Ist keines der Transferkriterien erf\u00fcllt, wird der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswert beibehalten oder wieder in Stufe 1</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:50.05pt\">zugeordnet.</span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Quantitative Kriterien</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Ein quantitatives Kriterium untersucht das Kreditrisikoprofil</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:227.63pt\">des finanziellen Verm\u00f6genswerts unter zwei Aspekten:</span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:147.96pt\">der relativen Lifetime-PD-\u00c4nderung</span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:152.39pt\">der absoluten Lifetime-PD-\u00c4nderung</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wenn beide Indikatoren die vorgegebenen Schwellenwerte,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">welche auf Portfolio-Ebene bestimmt werden, \u00fcberschreiten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und auf einen signifikanten Anstieg des Kreditrisikos</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:201.32pt\">hinweisen, wird das Asset in Stufe 2 transferiert.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Qualitative Kriterien</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die von der BAWAG ausgew\u00e4hlten Faktoren f\u00fcr die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:143.83pt\">qualitativen Staging-Kriterien sind:</span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:197.64pt\">Aufnahme in die Watchlist (Non-Retail-Kunden)</span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:164.41pt\">Eintrag in die Warnliste (Retail-Kunden)</span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:163.89pt\">Setzung des Forbearance-Kennzeichens</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wenn einer dieser Faktoren als aktiv gekennzeichnet ist, wird</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:235.95pt\">der finanzielle Verm\u00f6genswert in die Stufe 2 \u00fcbertragen.</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Backstop-Kriterium</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Als Backstop-Kriterium wird in der BAWAG ein</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zahlungsr\u00fcckstand von mehr als 30 Tagen verwendet. Alle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Finanzinstrumente, die mehr als 30 Tage \u00fcberf\u00e4llig sind,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.97pt\">werden in Stufe 2 transferiert, sofern sie nicht schon in Stufe 3</span><span class=\"f charStyle-34546584 ps237\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:19.72pt\">sind.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Stufe 3: Notleidende Verm\u00f6genswerte</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Finanzinstrumente werden gem\u00e4\u00df der Ausfalldefinition f\u00fcr</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">\u00f6konomisch notleidenden Kredite in Stufe 3 eingestuft,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">basierend auf dem Ausfall nach Artikel 178 CRR,\u00a0 bereinigt um</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Retail &amp; SME-Positionen ohne materielle R\u00fcckst\u00e4nde auf</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundenebene f\u00fcr 90-Tage-\u00fcberf\u00e4llige Kredite,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Restrukturierungen bzw. harte und weiche UTP-Trigger. Sobald</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">die Gesundungsperiode ohne R\u00fcckstand beginnt, wird das</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Finanzinstrument in Stufe 2 eingestuft; jedoch f\u00fchrt jeder</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">materielle R\u00fcckstand auf Kundenebene zu einen sofortigen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Transfer nach Stufe 3. Dar\u00fcber hinaus erfolgt die R\u00fcckstufung</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">eines Finanzinstruments in Stufe\u202f1 oder Stufe\u202f2 (gem\u00e4\u00df SICR-</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Klassifizierung), sobald dessen Gesundung nach einem Ausfall</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:166.54pt\">nach Artikel 178 CRR festgestellt wurde.</span></div><span class=\"f charStyle-02ed52cc ps1633\">Berechnung der Wertminderung</span><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Berechnung der Wertminderung von Finanzinstrumenten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">st\u00fctzt sich auf drei grundlegende Parameter:</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ausfallwahrscheinlichkeit (PD \u2013 Probability of Default),</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Verlustquote bei Ausfall (LGD \u2013 Loss Given Default) und</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">ausstehende Kreditsumme bei Ausfall (EAD \u2013 Exposure at</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Default). Diese Parameter bestimmen gemeinsam die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bewertung der erwarteten Kreditverluste und werden mit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Hilfe interner Modelle gesch\u00e4tzt. Wenn vorhanden, bilden die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">aufsichtsrechtlichen, auf internen Ratings basierenden (IRB)</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Risikomodelle, die konzeptionell auf Through-the-Cycle-</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Beobachtungen basieren, den Ausgangspunkt f\u00fcr die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sch\u00e4tzung der Wertminderungsparameter. F\u00fcr</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risikoparameter, f\u00fcr die keine IRB-Risikomodelle eingesetzt</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden, d.h. Standardansatz oder LGDs f\u00fcr F-IRB-Modelle,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden andere interne Modelle und Sch\u00e4tzungen (bspw.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">durch Benchmarking) verwendet. Zur IFRS-9-Konformit\u00e4t</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">werden folgende Anpassungen implementiert: Erweiterung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">des Prognosehorizonts auf die gesamte Kreditlaufzeit,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Transformation der Through-the-Cycle zu Point-in-Time-</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Parametern zur Abbildung aktueller Markttrends sowie</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Integration zukunftsgerichteter Informationen in die ECL-</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Berechnung. Die Parameter werden in allen drei Stufen (au\u00dfer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">bei Stufe 3 Corporate Customers, wo ein individuelles</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Assessment durchgef\u00fchrt wird) angewandt, aber ihre</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Anwendung in der endg\u00fcltigen Wertminderungsberechnung</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">unterscheidet sich je nach Stufe des einzelnen finanziellen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:73.06pt\">Verm\u00f6genswerts.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">F\u00fcr die Ermittlung der Risikoparameter f\u00fcr die Gesamtlaufzeit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">f\u00fcr Portfolios mit unterschiedlichen zugrunde liegenden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Risiken werden separate Modelle und Sch\u00e4tzungen entwickelt.</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Genauigkeit der Modelle wird durch j\u00e4hrliche interne</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:230.19pt\">Modellvalidierung kontinuierlich und rigoros \u00fcberpr\u00fcft.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Lifetime-Risikoparameter nach IFRS 9 bestehen aus einer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zyklus\u00fcbergreifenden (Through-the-Cycle) und einer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zeitpunktbezogenen (Point-in-Time) Komponente, welche</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vorrausschauende Informationen (Forward-looking-</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Information) ber\u00fccksichtigt. Die Through-the-Cycle-</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Komponente erfasst die idiosynkratischen Risiken der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Finanzinstrumente, die im Zeitablauf stabil sind und durch den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">langfristigen Durchschnitt der Risikoparameter gemessen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden. Die zeitpunktbezogene Komponente misst die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">systematischen Risiken, die in der Regel durch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">makro\u00f6konomische Prognosen und den Kreditrisikozyklus des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:123.76pt\">Portfolios dargestellt werden.</span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Exposure bei Ausfall (EAD)</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Das Lifetime-Exposure at Default misst den erwarteten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Forderungsbetrag zum Zeitpunkt des Ausfalls. Bei Krediten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">wird der Betrag als Summe der diskontierten zuk\u00fcnftigen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Cashflows gesch\u00e4tzt, die die Bank erwartungsgem\u00e4\u00df erh\u00e4lt.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">F\u00fcr revolvierende Produkte ist EAD eine Summe der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">erwarteten in Anspruch genommenen Zusagen zum Zeitpunkt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">des Ausfalls. Die zum Zeitpunkt des Ausfalls erwarteten in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Anspruch genommenen Betr\u00e4ge werden durch den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kreditkonversionsfaktor (CCF) approximiert, der auf der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Grundlage der historisch beobachteten in Anspruch</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:163.23pt\">genommenen Zusagen modelliert wird.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Ausfallwahrscheinlichkeit (PD)</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.04pt\">Die Lifetime-Ausfallwahrscheinlichkeit ist die Wahrscheinlichkeit</span><span class=\"f charStyle-7973db00 ps192\" style=\"width:2.26pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.01pt\">der Zahlungsunf\u00e4higkeit des Kunden \u00fcber die Laufzeit des</span><span class=\"f charStyle-7973db00 ps212\" style=\"width:2.26pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.03pt\">Finanzinstruments. Die Through-the-Cycle-Komponente der PD</span><span class=\"f charStyle-7973db00 ps205\" style=\"width:2.26pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.05pt\">wird durch das langfristige durchschnittliche</span><span class=\"f charStyle-7973db00 ps208\" style=\"width:2.26pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.04pt\">Migrationverhaltens der Ratings abgeleitet und prim\u00e4r anhand</span><span class=\"f charStyle-7973db00 ps192\" style=\"width:2.26pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:140.45pt\">von Migrationsmatrizen gesch\u00e4tzt.</span><span class=\"f charStyle-7973db00 ps8041\" style=\"width:2.26pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Verlust bei Ausfall (LGD)</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Der Lifetime-Verlust bei Ausfall stellt den erwarteten Verlust</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der Bank dar, wenn die finanziellen Verm\u00f6genswerte</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">ausgefallen sind. Er wird auf der Grundlage historischer</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verlustquoten gesch\u00e4tzt, wobei Faktoren wie Gesundung,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sicherheiten, Barzahlungen und andere Quellen der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Verwertung ber\u00fccksichtigt werden. Diese diskontierten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">R\u00fcckfl\u00fcsse werden mit dem erwarteten Exposure at Default</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">w\u00e4hrend der Laufzeit des finanziellen Verm\u00f6genswerts</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">verglichen. Dies erm\u00f6glicht, den erwarteten Verlust im Falle</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">eines Ausfalls zu verstehen, wobei ber\u00fccksichtigt wird, wie</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">sich die Erl\u00f6sfaktoren, z.B. Werte von Sicherheiten, w\u00e4hrend</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:257.37pt\">der Lebensdauer des finanziellen Verm\u00f6genswerts ver\u00e4ndern.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Zukunftsgerichtete Informationen f\u00fcr Point-in-Time-</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Anpassung</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die Parameter f\u00fcr den erwarteten Kreditverlust sind von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zukunftsgerichteten Informationen abh\u00e4ngig. Daher werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">diese Parameter auf der Grundlage der vorherrschenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">makro\u00f6konomischen Bedingungen und ihrer Prognosen zu</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">jedem Zeitpunkt angepasst. So h\u00e4ngen beispielsweise die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Prognosen f\u00fcr die Wertentwicklung von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Immobiliensicherheiten von der Vorhersage des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Immobilienpreisindexes ab, und die Beziehung zwischen der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ausfallwahrscheinlichkeit und makro\u00f6konomischen Faktoren,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.06pt\">wie dem Bruttoinlandsprodukt oder Arbeitslosigkeit, wird</span><span class=\"f charStyle-e63b9797 ps190\" style=\"width:2.11pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.06pt\">bewertet und prognostiziert. Zur Gew\u00e4hrleistung einer objektiven</span><span class=\"f charStyle-e63b9797 ps190\" style=\"width:2.11pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262pt\">und marktgerechten Datenbasis greift das Institut hierbei auf die</span><span class=\"f charStyle-e63b9797 ps186\" style=\"width:2.11pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.03pt\">etablierten makro\u00f6konomischen Szenarien von Moody\u2019s Analytics</span><span class=\"f charStyle-e63b9797 ps205\" style=\"width:2.11pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:28.16pt\">zur\u00fcck.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG verwendet f\u00fcr ihre makro\u00f6konomischen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Prognosen ein Set von drei Szenarien: 26% pessimistisch, 45%</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Baseline und 29% optimistisch. Die Gewichtung wird mithilfe</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">eines statistischen Ansatzes abgeleitet, der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wahrscheinlichkeitsgewichtungen aus dem Schweregrad der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">gegebenen Szenarien ermittelt und als Anteil der m\u00f6glichen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zuk\u00fcnftigen Ergebnisse zu verstehen ist, den das jeweilige</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:74.93pt\">Szenario darstellt.</span><span class=\"f charStyle-34546584 ps8042\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Szenarien basieren auf einem bereitgestellten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Basisszenario, das als zentrale makro\u00f6konomische Referenz</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">(\u201eBaseline\u201c) dient. Ausgehend von dieser Grundlage werden</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">die weiteren Szenarien entwickelt und zur Verf\u00fcgung gestellt.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Diese werden unter Ber\u00fccksichtigung des jeweiligen Szenario-</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Narrativ ermittelt. Das makro\u00f6konomische Szenario-Komitee</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">pr\u00fcft alle Szenarien und erteilt die finale Genehmigung. Von</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">allen makro\u00f6konomischen Variablen verwendet die BAWAG</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">das BIP-Wachstum als Hauptquelle f\u00fcr zukunftsgerichtete</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Informationen, die in den ECL-Sch\u00e4tzungen ber\u00fccksichtigt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden, wobei zus\u00e4tzliche Variablen wie Inflation,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Arbeitslosenquote oder Immobilienpreise eine erg\u00e4nzende</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:55.35pt\">Rolle spielen.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Makro\u00f6konomische Prognose f\u00fcr den Euroraum und US,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:138.84pt\">angewendet f\u00fcr ECL-Berechnung:</span><span class=\"f charStyle-34546584 ps8043\" style=\"width:2.36pt\"> </span></div><div class=\"ps3714 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:12pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6940 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">Euroraum BIP-Wachstum 31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps8044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8045 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8046 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8047 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8048 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps8049 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1334 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8053 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">Euroraum BIP-Wachstum 31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8054 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:12pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6940 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">US BIP-Wachstum 31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps8044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8045 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8046 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8047 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8048 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps8049 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1334 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8055 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:12pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6940 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">US BIP-Wachstum 31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8045 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8046 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8047 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8048 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8049 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1334 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 1 &amp; 2: Erwarteter Kreditverlust (ECL)</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die erwarteten Kreditverluste werden f\u00fcr jedes Gesch\u00e4ft</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">einzeln auf Basis der Parameter PD, LGD und EAD berechnet.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die BAWAG wendet ein wahrscheinlichkeitsgewichtetes</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">erwartetes Ergebnis unter drei verschiedenen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">makro\u00f6konomischen Szenarien an, die mit entsprechenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gewichten aggregiert werden, um eine endg\u00fcltige ECL-</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Sch\u00e4tzung zu erstellen. Die Verteilung auf drei Szenarien</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">erm\u00f6glicht es der Bank, ein breites Spektrum an</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zukunftserwartungen abzudecken, und wurde im Rahmen der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:230.7pt\">Branchenstandards als am besten geeignet ausgew\u00e4hlt.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 1: 12-Monats-ECL</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Horizont der Berechnung des erwarteten Kreditverlusts f\u00fcr</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Stufe 1 ist bis zu einem Jahr nach dem Stichtag, unter</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der\u00a0Ber\u00fccksichtigung der vorausschauenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Ausfallswahrscheinlichkeit, des Verlusts bei Ausfall und der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:182.35pt\">Exposure-Struktur innerhalb dieser Periode.</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 2: Lifetime-ECL</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">F\u00fcr Finanzinstrumente in Stufe 2 werden die erwarteten</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Kreditverluste wie bei Stage 1 berechnet, jedoch der Horizont</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">f\u00fcr die erwarteten Kreditverluste ist erweitert bis zum Ende</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:126.13pt\">der Laufzeit des Instrumentes.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 3: Wertberichtigungen (LLP)</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bei Retail-, KMU- und nicht signifikanten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Unternehmenskunden erfolgt die Berechnung der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wertberichtigungen automatisiert anhand interner Modelle.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Diese st\u00fctzen sich auf historisch beobachtete Ausfall- und</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Eintreibungsinformationen, die Dauer des jeweiligen Ausfalls</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:178.58pt\">sowie LTV-Werte bei Hypothekendarlehen.</span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Demgegen\u00fcber unterliegen Engagements gegen\u00fcber</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">signifikanten Unternehmenskunden, Finanzinstituten und der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">\u00f6ffentlichen Hand einer individuellen Risikoanalyse. Um</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">etwaige Verlustereignisse zu identifizieren, werden in</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">regelm\u00e4\u00dfigen Abst\u00e4nden aktuelle Informationen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">kontrahentenbezogene Faktoren gepr\u00fcft. Hierzu z\u00e4hlen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">insbesondere erhebliche finanzielle Schwierigkeiten des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Schuldners oder Vertragsbr\u00fcche, wie etwa der Verzug oder</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:168.47pt\">Ausfall von Zins- und Tilgungsleistungen.</span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">In der Kompetenz- und Pouvoirordnung ist der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Genehmigungsvorgang f\u00fcr die Abschreibung und den Verzicht</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">geregelt. Ausbuchungen erfolgen in Abstimmung mit den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">jeweiligen Fachbereichen, wenn alle zumutbaren</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bestrebungen, die Forderung einzutreiben, ergebnislos</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">verlaufen sind oder wenn keine Absicht besteht, die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.17pt\">Betreibung aktiv fortzusetzen.</span></div><span class=\"f charStyle-02ed52cc ps1633\">Entwicklung von Buchwerten, Wertminderungen und </span><div class=\"ps187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps1633\">Stufen <span class=\"f ps37\"> </span></span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die folgende Tabelle gibt einen \u00dcberblick f\u00fcr die Entwicklung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der IFRS-Buchwerte (netto, abz\u00fcglich Wertberichtigungen)</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:111.32pt\">\u00fcber die jeweiligen Stufen:</span></div><div class=\"ps2555 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung von Buchwerten nach Stufe</span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss572\"><div><div class=\"ps8056 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3584 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss573\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1336\">Er\u00f6ffnungsbil<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8057\">anz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8058\">Erh\u00f6hungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8060\">Originierung </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8061\">und Erwerb</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss573\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4377\">R\u00fcckg\u00e4nge <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8062\">R\u00fcckzahlung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8063\">\u00c4nderungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8064\">an </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8065\">existierenden </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8066\">Buchwerten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss573\"><div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps3137\">Schlussbilanz<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps854 ss574\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der Stufe 1<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4418 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps684\">63.063<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4419 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.881<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4420 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4421 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.642<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4422 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps684\">65.690<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5542 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5544 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">31.937<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5545 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.344<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5546 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.717<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5547 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.411<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5548 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.154<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3623 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8067 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">12.686<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8068 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.408<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8069 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.297<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8070 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.257<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3626 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">13.541<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6839 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8071 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">18.421<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8072 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6844 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.591<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6845 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-3.972<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6846 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.982<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3590 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8073 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">17<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8074 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8075 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8076 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8077 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps631 ss574\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der Stufe 2<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2086 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.928<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps632 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">357<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps633 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps623\">-156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps634 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps708\">-63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps635 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.066<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1718 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4442 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.458<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4443 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">355<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4444 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-111<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1719 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-144<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1721 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.558<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5282 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8078 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">469<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8079 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8080 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-44<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8081 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">81<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8082 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">508<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3598 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8083 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8084 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8085 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8086 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8087 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps659 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8088 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps660 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps661 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps663 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps664 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2699 ss574\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der Stufe 3<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2700 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">571<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2701 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps650\">77<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2702 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps623\">-125<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2703 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2704 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">619<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps907 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8089 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">468<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8090 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">72<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8091 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8092 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">82<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8093 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">587<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps120 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8094 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">103<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8095 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8096 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-88<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8097 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8098 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5584 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5585 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5586 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5587 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4136 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2729 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2730 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2731 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2732 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2733 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2734 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3752 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8099 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps650\">54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8100 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps622\">211<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8101 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8102 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8103 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps622\">251<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2374 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8104 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8105 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">211<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5677 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2375 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2376 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">248<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2166 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2169 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2170 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2171 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2172 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2173 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6929 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8106 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8107 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8108 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8109 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8110 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8111 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8112 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8113 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8114 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8115 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8116 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2307 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8117 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">65.616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8118 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">18.526<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8119 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.895<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2309 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.620<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2310 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">68.626<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8120 ss575\"><div><div class=\"ps4208 ss17\"><span class=\"f charStyle-5ee25b5a ps36\">Nur IFRS-9-relevante Buchwerte werden gezeigt.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Entwicklung von Wertminderungen nach Stufe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss572\"><div><div class=\"ps8056 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3584 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss573\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1336\">Er\u00f6ffnungsbil<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8057\">anz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8058\">Erh\u00f6hungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8060\">Originierung </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8061\">und Erwerb</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss573\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4377\">R\u00fcckg\u00e4nge <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8062\">R\u00fcckzahlung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8063\">\u00c4nderungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8064\">an </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8065\">existierenden </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8066\">Buchwerten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss573\"><div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps3137\">Schlussbilanz<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps854 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Wertberichtigungen Stufe 1 (ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4418 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4419 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">62<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4420 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4421 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4422 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3800 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8121 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8122 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6182 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8123 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8124 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">88<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3586 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8125 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8126 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6186 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8127 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8128 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2065 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2068 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2069 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2070 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2071 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2072 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2073 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2076 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2077 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2078 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2079 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3590 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Wertberichtigungen Stufe 2 (ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8073 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8074 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8075 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8076 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8077 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3592 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8129 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">61<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8130 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8131 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8132 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">98<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3594 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8137 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1355 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8142 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8143 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps746 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8144 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps747 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps748 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps749 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps750 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3598 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Wertberichtigungen Stufe 3 (ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8083 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">242<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8084 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8085 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8086 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">53<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8087 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">308<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3600 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8145 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">219<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8146 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">43<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8147 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8148 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">52<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8149 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">295<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7457 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8151 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8152 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8153 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8154 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5437 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8155 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8156 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8157 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8158 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8159 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5502 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8160 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8161 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8162 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8163 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8164 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps120 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8094 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8098 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8165 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8166 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8167 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1115 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1116 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1118 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8168 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8169 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8170 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8171 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8172 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8173 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8174 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8175 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8176 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8177 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8178 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8179 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8180 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8181 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8182 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8183 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8184 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8185 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3755 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8186 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8187 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">133<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8188 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8189 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8190 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8191 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die folgende Tabelle gibt einen \u00dcberblick \u00fcber den Transfer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8192 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:239.69pt\">von Wertminderung zwischen Stufen im Laufe des Jahres:</span></div><div class=\"ps8199 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Transfer von Wertminderungen zwischen Stufen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">34<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8200 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Transfer von Wertminderungen zwischen Stufen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Ratingverteilung von Buchwerten nach Stufen</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die folgenden Zahlen beziehen sich auf IFRS-Buchwerte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:197.56pt\">(abz\u00fcglich der Vorsorgen f\u00fcr die Stufen 1 bis 3).</span></div><div class=\"ps3127 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:153pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"19\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss576\"><div><div class=\"ps6608 ss3\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps4269 ss3\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8203 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8204 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4477 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8205 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8206 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8207 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps3026\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps4875\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2548 ss579\"><div><div class=\"ps624 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 1</span></div><div class=\"ps1792 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8208 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps6383\">19.424<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7694 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8209\">7.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8210 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8209\">9.770<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8211 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps6383\">20.355<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8212 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8209\">7.867<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7697 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8213\">459<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8215 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8214\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8217 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8218 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps6383\">65.690<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2941 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8220 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.002<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8221 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">3.907<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8222 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">8.504<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8223 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">15.689<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8224 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">6.536<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8225 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">458<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8226 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8227 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8228 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">36.154<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2944 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8229 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">4.077<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8230 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">3.030<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8231 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.003<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8232 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">4.124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8233 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.304<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8235 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8236 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8237 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8238 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">13.541<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2891 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8239 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">14.345<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8240 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">819<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8241 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">255<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8242 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">537<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8243 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8244 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8245 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8246 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8247 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">15.982<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6839 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8248 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8249 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8250 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8251 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8252 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6844 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8253 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8254 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8255 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7431 ss583\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 2</span></div><div class=\"ps2567 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8256 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8257 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8214\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8258 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8214\">57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8259 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">290<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8260 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">754<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8261 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">544<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8262 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">400<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8263 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8264 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8209\">2.066<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps884 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8265 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4229 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8266 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8267 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">204<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8268 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">407<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4232 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">471<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8269 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">397<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8270 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8271 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.558<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1094 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8272 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4235 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8273 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8274 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">85<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8275 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">347<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1095 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">73<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8276 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8277 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8278 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">508<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1098 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8279 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4238 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8280 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8281 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8282 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1099 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8283 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8284 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8285 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1102 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8286 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8287 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8288 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8289 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8290 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1103 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8291 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8292 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8293 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3251 ss583\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 3</span></div><div class=\"ps2567 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8294 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8295 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8296 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8297 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8298 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5718 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8299 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8300 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">619<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8301 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">619<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps907 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8302 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8303 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8304 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8305 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8306 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8091 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8307 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8308 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">587<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8309 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">587<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5298 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8310 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8311 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8312 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8313 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8314 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8315 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8316 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8317 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">33<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8318 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5301 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8319 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8320 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8321 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8322 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8323 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8324 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8325 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8326 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8327 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5304 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8328 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8329 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8330 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8331 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8332 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8333 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8334 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8335 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8336 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8337 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8338 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8339 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8340 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8234\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8341 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8342 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">86<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8343 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8344 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">56<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8345 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8213\">251<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4699 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8346 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8347 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8348 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8349 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8350 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8351 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">85<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8352 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8353 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8354 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">248<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5312 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8355 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8356 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8357 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8358 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8359 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8360 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8361 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8362 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8363 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5317 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8364 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8365 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8366 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8367 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8368 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8369 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8370 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8371 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8372 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4813 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8373 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8374 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8375 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8376 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8377 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8378 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8379 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8380 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8381 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7056 ss585\"><div><div class=\"ps6145 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8382 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps6383\">19.424<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8383 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">7.778<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8384 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">9.827<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8385 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps6383\">20.645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8386 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">8.697<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8387 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">1.089<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8388 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8213\">490<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8389 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8213\">676<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8390 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps6383\">68.626<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8391 ss587\"><div><div class=\"ps4208 ss3\"><span class=\"f charStyle-5ee25b5a ps36\">Nur IFRS-9-ECL-relevante Buchwerte werden gezeigt.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div></div><div class=\"ps797 ss0\"><div class=\"ss518 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:155.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"19\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss589\"><div><div class=\"ps4211 ss588\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss588\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8395 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8396 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8397 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4477 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8398 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2544 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8399 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8400 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8403 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8401\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8402\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss592\"><div><div class=\"ps40 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 1</span></div><div class=\"ps2027 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8405 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8404\">20.705<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8407 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">6.699<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8408 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">7.877<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4489 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8404\">21.655<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8409 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">5.669<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8410 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">365<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8411 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3438\">93<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8412 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8413 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8404\">63.063<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2941 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8414 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">970<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8415 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">3.705<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8416 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">6.283<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8223 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">16.265<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8417 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">4.258<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8418 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">364<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8419 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">93<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8420 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8421 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">31.937<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2944 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8422 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">3.207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8423 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">2.155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8424 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">1.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8232 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">4.837<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8425 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">1.316<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8427 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8428 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8429 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8430 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">12.686<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2891 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8431 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">16.529<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8432 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">829<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8433 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">417<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8242 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">552<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8434 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8435 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8436 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8437 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8438 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">18.421<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6839 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8439 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8440 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8441 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8251 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8442 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8443 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8444 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8445 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8446 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">17<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7431 ss592\"><div><div class=\"ps40 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 2</span></div><div class=\"ps2027 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8447 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8448 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8449 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8259 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8450 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8451 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">466<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8452 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">387<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8453 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8454 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">1.928<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2770 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8455 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8456 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8457 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8458 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">286<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8459 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">347<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8460 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">408<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8461 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">385<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8462 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8463 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">1.458<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps888 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8464 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8465 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8466 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8467 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">167<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8468 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">243<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8469 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8470 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8471 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8472 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">469<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2775 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8473 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8474 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8475 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8476 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8477 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8478 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8479 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8480 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8481 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2778 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8482 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8483 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8484 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8485 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8486 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8487 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8488 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8489 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8490 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1106 ss592\"><div><div class=\"ps40 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 3</span></div><div class=\"ps2027 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8491 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8492 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8493 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8494 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8495 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8496 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8497 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8498 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">571<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8499 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">571<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps678 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8500 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8501 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8502 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8503 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8504 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8505 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8506 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8507 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">468<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8508 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">468<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps683 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8509 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8510 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8511 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8512 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8513 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8514 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8515 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8516 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">103<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8517 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">103<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8518 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8519 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8520 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8521 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8522 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8523 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8524 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8525 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8526 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8527 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8528 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8529 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8530 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8531 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8532 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8533 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8534 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8535 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4144 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8536 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8537 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3438\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8538 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8539 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8540 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8426\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8541 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8426\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8542 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8426\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8543 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3438\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8544 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3438\">54<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8545 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8546 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8547 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8548 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8549 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8550 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8551 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8552 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8553 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">50<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5603 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8554 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8555 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8556 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8557 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8558 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8559 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8560 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8561 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8562 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5610 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8563 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8564 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8565 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8566 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8567 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8568 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8569 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8570 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8571 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8572 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8573 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8574 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8575 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8576 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8577 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8578 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8579 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8580 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8581 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8582 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8583 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8404\">20.705<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8584 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8406\">6.733<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8585 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8406\">7.893<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8586 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8404\">22.107<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8587 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8406\">6.259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8588 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps7398\">838<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8589 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps7398\">486<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8590 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps7398\">594<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8591 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8404\">65.616<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8592 ss596\"><div><div class=\"ps4208 ss588\"><span class=\"f charStyle-5ee25b5a ps36\">Nur IFRS-9-ECL-relevante Buchwerte werden gezeigt.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><span class=\"f charStyle-02ed52cc ps1633\">Neuartige Risiken und Post-Modell-Anpassungen</span><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">BAWAGs ECL-Berechnungen basieren auf historischen Daten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und beobachteten Zusammenh\u00e4ngen, um die k\u00fcnftige</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Entwicklung der erwarteten Kreditverluste vorherzusehen.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Allerdings kann die vollst\u00e4ndige Erfassung von bestimmten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risiken in historischen Datens\u00e4tzen eingeschr\u00e4nkt sein, sodass</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">diese m\u00f6glicherweise au\u00dferhalb des Umfangs der Modelle</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">liegen. Dies betrifft vor allem neuartige Risiken wie</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">geopolitische Unsicherheiten, klimarelevante</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Herausforderungen, Lieferkettenunterbrechungen, Pandemien</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">sowie abrupte Inflations- und Zinssatz-Schwankungen. Daher</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wendet der Konzern ein Framework an, das proaktiv solche</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:62.5pt\">Risiken erfasst.</span><span class=\"f charStyle-34546584 ps8594\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG ist bestrebt, ihre ECL-Modelle laufend</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">weiterzuentwickeln, um sicherzustellen, dass sie die sich stetig</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">\u00e4ndernden Wirtschafts- und Marktbedingungen weiterhin</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">angemessen und pr\u00e4zise widerspiegeln. Diese Anpassungen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">umfassen eine regelm\u00e4\u00dfige \u00dcberarbeitung und Rekalibrierung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:219.14pt\">der PD-, LGD- und CCF-Modelle f\u00fcr alle Assetklassen.</span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Dar\u00fcber hinaus hat die BAWAG ein systematisches Verfahren</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zur Identifizierung der besagten neuartiger Risiken und zur</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Bewertung ihrer m\u00f6glichen Auswirkungen auf verschiedene</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Portfolios etabliert. Dieser Prozess wird kontinuierlich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">angewendet, um festzustellen, ob Ma\u00dfnahmen wie Post-</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Modell-Anpassungen oder kollektive Stufen\u00e4nderung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">notwendig sind. In diesem Zusammenhang wurden keine</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sch\u00e4tzunsicherheiten, die zus\u00e4tzliche Ma\u00dfnahmen erfordern,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:50.68pt\">identifiziert.</span></div><span class=\"f charStyle-02ed52cc ps8596\">Sensitivit\u00e4tsanalyse</span><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die folgende Tabelle veranschaulicht den gewichteten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erwarteten Kreditverlust sowie die Ergebnisse der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Sensitivit\u00e4tsanalyse, bei der die ECLs unter jedem Szenario mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">einer Gewichtung von 100% gemessen werden. Die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sensitivit\u00e4tsanalyse basiert auf dem kalkulierten ECL von</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:47pt\">202\u00a0Mio. \u20ac.</span><span class=\"f charStyle-34546584 ps8597\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Ergebnisse der Sensitivit\u00e4tsanalyse variieren von einem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">ECL-R\u00fcckgang von -47 Mio. \u20ac, wenn das optimistische Szenario</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">mit 100% gewichtet wird, bis zu einer ECL-Erh\u00f6hung von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">83\u00a0Mio. \u20ac, wenn das pessimistische Szenario mit 100%</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:67.28pt\">gewichtet wird..</span></div><div class=\"ps8605 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss288\"><div><div class=\"ps281 ss287\"><span class=\"f charStyle-c5fdbd46 ps8598\">ECL-Szenario-\u00c4nderungen</span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss597\"><div><div class=\"ps2640 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps296 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2057\">ECL Total<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2058\">Optimistisch</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8600\">Baseline</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8601\">Pessimistisch</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2885 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Stufe 1 &amp; Stufe 2 Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8602 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">202<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8603 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8604 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5541 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">83<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8606 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss288\"><div><div class=\"ps281 ss287\"><span class=\"f charStyle-c5fdbd46 ps8598\">ECL-Szenario-\u00c4nderungen</span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss597\"><div><div class=\"ps2640 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps296 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2057\">ECL Total<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2058\">Optimistisch</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8600\">Baseline</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8601\">Pessimistisch</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2885 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Stufe 1 &amp; Stufe 2 Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8602 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">118<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8603 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8604 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5541 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAllowanceForCreditLossesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-708": {
   "value": "<div class=\"ps2848 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss140\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Wertberichtigungen von nichtfinanziellen Verm\u00f6genswerten <span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Software und andere immaterielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">davon Markenname<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2844 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2845 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Zu- und Abschreibungen von <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">langfristigen Verm\u00f6genswerten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2846 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2847 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2849 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bez\u00fcglich weiterer Details zu Wertberichtigungen von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2850 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">nichtfinanziellen Verm\u00f6genswerten wird auf Note 19</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2851 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:45.01pt\">verwiesen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfImpairmentOfAssetsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-709": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Anteil am Ergebnis von assoziierten </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Unternehmen, die nach der Equity-</span></div><div class=\"ps2830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Methode bilanziert werden</span></div><div class=\"ps2853 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Bei den at-equity bewerteten Unternehmen handelt es sich</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps2854 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">2025 um die Best Egg Inc. (32,41% Anteil), die PCT Nominee</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps2855 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Owner LLP (26,05% Anteil) und die PSA Payment Services</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2856 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Austria GmbH (20,82% Anteil). 2024 handelte es sich um die</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2857 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">PCT Nominee Owner LLP (24,90% Anteil) und die PSA Payment</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2858 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Services Austria GmbH (20,82% Anteil). Bez\u00fcglich weiterer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2859 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Details verweisen wir auf Note 36 \u201eAngaben zu</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2860 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:192.03pt\">nahestehenden Personen und Unternehmen\u201c.</span></div><div class=\"ps2861 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Das im Gesch\u00e4ftsjahr 2025 ausgewiesene Ergebnis in H\u00f6he von</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2862 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">6,6\u00a0Mio.\u00a0\u20ac (2024: 4,3\u00a0Mio.\u00a0\u20ac) beinhaltet das anteilige Ergebnis</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2863 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der Best Egg Inc. und der PSA Payment Services Austria GmbH</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2864 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">von in Summe 6,6\u00a0Mio.\u00a0\u20ac (2024: PSA Payment Services Austria</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2865 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:137.5pt\">GmbH von in Summe 4,3\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps2866 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Derzeit bestehen keine nicht erfassten anteiligen Verluste von</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2867 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:240.95pt\">at-equity bewerteten Unternehmen gem\u00e4\u00df IFRS 12.22 (c).</span></div><div class=\"ps2868 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die folgende \u00dcbersicht zeigt wesentliche finanzielle Eckdaten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2869 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">betreffend assoziierte, at-equity bewertete Unternehmen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2870 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">(2025 ohne Best Egg Inc., da zur Ver\u00e4u\u00dferung gehalten nach</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps2871 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:30.93pt\">IFRS 5):</span></div><div class=\"ps2872 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">At-equity bewertete Unternehmen</span></div><div class=\"ps2894 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:12.75pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2873 ss144\"><div><div class=\"ps840 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2874 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2875 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2876 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kumulierte Bilanzsumme<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2877 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-a9cd7334 ps2276\">380<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2878 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">312<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2879 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kumulierte Schulden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2880 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-a9cd7334 ps2276\">121<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2881 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">111<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2882 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kumuliertes Eigenkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2883 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-a9cd7334 ps2276\">259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2884 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">201<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2885 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Mietertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2886 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-a9cd7334 ps2273\">31<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2887 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2888 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Provisionsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2889 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-a9cd7334 ps2276\">404<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2890 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">372<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2891 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kumuliertes Jahresergebnis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2892 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-a9cd7334 ps2273\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2893 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps2852\">Liste konsolidierter Tochterunternehmen</span><div class=\"ps6934 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:351.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss509\"><div><div class=\"ps1091 ss508\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps4040 ss511\"><div><div class=\"ps281 ss510\"><span class=\"f charStyle-584de24a ps6855\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6856 ss511\"><div><div class=\"ps281 ss510\"><span class=\"f charStyle-37455c2a ps3801\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps292 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-7ff22fcd ps36\">Banken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4049 ss514\"><div><div class=\"ps1092 ss513\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"border-top:1pt solid #9b0000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6857 ss155\"><div><div class=\"ps1092 ss151\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6858 ss514\"><div><div class=\"ps1092 ss513\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"border-top:1pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6331 ss155\"><div><div class=\"ps1092 ss151\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. AG, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4054 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6860 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6861 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6863 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. Wohnbaubank Aktiengesellschaft, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4059 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6864 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6865 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6866 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Idaho First Bank, McCall<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4064 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6867 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6868 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3393 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Knab N.V., Amsterdam<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4069 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6869 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34 ps5393\">Verschmolzen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6870 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6871 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">start:bausparkasse AG, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4074 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6872 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6873 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps6333 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-7ff22fcd ps36\">Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Promontoria Holding 136 B.V., Amsterdam<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4084 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6874 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6875 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6876 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">R &amp; B Leasinggesellschaft m.b.H. in Liqu., Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4089 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6877 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6878 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6879 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">RVG Realit\u00e4tenverwertungsgesellschaft m.b.H., Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4094 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6880 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6881 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6882 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-7ff22fcd ps36\">Leasing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps489 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">ALSATRAM SAS, Paris<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4106 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6883 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6884 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6885 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG EVOLUTION SAS, Paris<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6886 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6887 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6888 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6889 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG FB France SAS, Paris<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6890 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6891 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6892 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6893 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG RAIL SAS, Paris<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6894 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6895 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6896 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6897 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG RB France SAS, Paris<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6898 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6899 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6900 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6901 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. IMMOBILIENLEASING GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6902 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6903 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6904 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5802 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps771 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. LEASING Holding GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6905 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6906 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6907 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6908 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. MOBILIENLEASING GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6909 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6910 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6911 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6912 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1767 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">CVG Immobilien GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6913 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6914 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6915 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6916 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1771 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">easyleasing GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6917 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6918 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6919 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6920 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3985 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">HBV Holding und Beteiligungsverwaltung GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6921 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6922 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6923 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6924 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3988 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">KLB Baulandentwicklung GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6925 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6926 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6927 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6928 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6929 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">P.S.K. IMMOBILIENLEASING GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6930 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6931 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6932 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6933 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss518 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:351.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige Nichtbanken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps6936 ss514\"><div><div class=\"ps1092 ss513\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps6937 ss515\"><div><div class=\"ps1092 ss110\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6938 ss514\"><div><div class=\"ps1092 ss513\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6939 ss515\"><div><div class=\"ps1092 ss110\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6940 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG Education Trust, Wilmington<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6941 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6942 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34 ps3611\">Entkonsolidiert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6943 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6945 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1325 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG Group Germany GmbH, Eschborn<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6946 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6948 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6949 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6950 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2548 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. IMMOBILIEN GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6951 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6952 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6953 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6954 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6151 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Best Egg Inc., Wilmington<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6955 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">E<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6957 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">32,41%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6958 ss514\"><div><div class=\"ps293 ss513\"><span class=\"f charStyle-eab6cbcf ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6960 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps705 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Bonnie RE UK 1 B.V., Amsterdam<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6961 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6962 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6963 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6964 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2341 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BPI Holding GmbH &amp; Co KG., Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6965 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6966 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6967 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6968 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2344 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">BRE Investment Corporation, Venice<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6969 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6970 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6971 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6972 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3215 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">BRE Investment Holding II Corporation, Venice<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6973 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6974 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6975 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6976 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3458 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BV Verm\u00f6gensverwaltung GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6977 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6978 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6979 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6980 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3464 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BVV Cayman Ltd., George Town<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6981 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6982 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6983 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6984 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3470 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-c5fdbd46 ps621\">Canadian Mortgage Loan Trust I, Toronto</span><span class=\"f charStyle-88cee56f ps6985\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6986 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6988 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6987\"></span><span class=\"ps6987\">0,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6989 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6991 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6990\"></span><span class=\"ps6990\">0,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3476 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-c5fdbd46 ps621\">Canadian Mortgage Loan Trust II, Toronto</span><span class=\"f charStyle-88cee56f ps6992\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6993 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6994 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6987\"></span><span class=\"ps6987\">0,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6995 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6996 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6990\"></span><span class=\"ps6990\">0,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">FCT Pearl, Pantin<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6997 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6998 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6999 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7000 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2816 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Health Coevo AG, Hamburg<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7001 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7002 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7003 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7004 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps896 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-c5fdbd46 ps621\">Knab Conditional Pass-Through Covered Bond Company B.V., Amsterdam</span><span class=\"f charStyle-88cee56f ps7005\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7006 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7007 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6987\"></span><span class=\"ps6987\">0,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7008 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7009 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6990\"></span><span class=\"ps6990\">0,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps901 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-c5fdbd46 ps621\">Knab Soft Bullet Covered Bond Company B.V., Amsterdam</span><span class=\"f charStyle-88cee56f ps7010\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7011 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7012 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6987\"></span><span class=\"ps6987\">0,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7013 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7014 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6990\"></span><span class=\"ps6990\">0,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1672 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Leasing-west GmbH, Rosenheim<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7015 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7016 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7017 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7018 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1676 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">Orange Loans B.V., Amsterdam<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7019 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7020 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps3611\">Entkonsolidiert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7021 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7022 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1114 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">PCT Nominee Owner LLP, Wilmington<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7023 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">E<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7024 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">26,05%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7025 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">E<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7027 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7026\"></span><span class=\"ps7026\">24,90%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3653 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Peak Bancorp, Inc., McCall<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7028 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7029 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7030 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7031 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3658 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">PFH Properties Funds Holding GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7032 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7033 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7034 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7035 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3663 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">Piedmont Portfolio Holdco LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7036 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7037 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7038 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7039 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4699 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">PSA Payment Services Austria GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7040 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">E<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7041 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">20,82%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7042 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">E<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7043 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7026\"></span><span class=\"ps7026\">20,82%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5312 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">P.S.K. Beteiligungsverwaltung GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7044 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7045 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7046 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7047 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5317 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">RF f\u00fcnfzehn BAWAG Mobilien-Leasing Gesellschaft m.b.H., Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7048 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7049 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7050 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7051 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4813 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Swiss Autofinance GmbH, Z\u00fcrich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7052 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7053 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7054 ss514\"><div><div class=\"ps293 ss513\"><span class=\"f charStyle-eab6cbcf ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7055 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7056 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Zahn\u00e4rztekasse AG, Pf\u00e4ffikon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7057 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7058 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7059 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7060 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1141 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">3495-3498 Piedmont Road Owner LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7061 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7062 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7063 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7064 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7065 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">3525 Piedmont Road Owner LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7066 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7067 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7068 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7069 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7070 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">3535 Piedmont Road Owner LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7071 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7072 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7073 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7074 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7075 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">3565 Piedmont Road Owner LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7076 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7077 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7078 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7079 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7080 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">3575 Piedmont Road Owner LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7081 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7082 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7083 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7084 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td colspan=\"9\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps7085 ss519\"><div><div class=\"ps5315 ss518\"><span class=\"f charStyle-5ee25b5a ps36\">V \u2026 Vollkonsolidierung, E \u2026 Equity-Methode</span></div><div class=\"ps5316 ss518\"><span class=\"f charStyle-5ee25b5a ps36\">1 Aufgrund von Wesentlichkeit gem\u00e4\u00df IFRS 10 zu konsolidieren. </span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps356 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wesentliche Tochterunternehmen werden gem\u00e4\u00df IFRS 10</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps19 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">vollkonsolidiert, w\u00e4hrend wesentliche assoziierte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:226.68pt\">Unternehmen nach IAS 28 at-equity bilanziert werden.</span></div><div class=\"ps358 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Tochterunternehmen sind Unternehmen, f\u00fcr welche die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps21 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">BAWAG Beherrschung gem\u00e4\u00df IFRS 10 aus\u00fcbt. Beherrschung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps359 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">liegt vor, wenn die BAWAG variablen R\u00fcckfl\u00fcssen aus ihrer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps22 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Beziehung zu einem Tochterunternehmen ausgesetzt ist und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps360 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">sie gleichzeitig \u00fcber die F\u00e4higkeit verf\u00fcgt, diese R\u00fcckfl\u00fcsse</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps23 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">durch ihre Entscheidungsmacht \u00fcber das Tochterunternehmen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps361 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:66.94pt\">zu beeinflussen.</span></div><div class=\"ps362 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Assoziierte Unternehmen nach IAS 28 sind alle Unternehmen,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps25 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">auf die die BAWAG ma\u00dfgeblichen Einfluss aus\u00fcbt, diese aber</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps363 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">nicht beherrscht oder gemeinschaftlich f\u00fchrt. Dies ist</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps26 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">grunds\u00e4tzlich der Fall, wenn die BAWAG zwischen 20% und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps364 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:110.84pt\">50% der Stimmrechte h\u00e4lt.</span></div><div class=\"ps365 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Klassifizierung, ob ein Tochterunternehmen/assoziiertes</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps28 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:249.77pt\">Unternehmen wesentlich ist, wird einmal j\u00e4hrlich \u00fcberpr\u00fcft.</span></div></div><span class=\"f charStyle-b1e544a7 ps2852\">Anteile an assoziierten Unternehmen</span><div class=\"ps7160 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die in dieser Angabe enthaltenen Beteiligungen an</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7161 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">assoziierten Unternehmen werden nach der Equity-Methode</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7162 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">bilanziert. Die BAWAG beinhaltet drei Unternehmen, die at-</span></div><div class=\"ps7163 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">equity einbezogen werden: Best Egg Inc., Wilmington, PCT</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7164 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Nominee Owner LLP, Wilmington, und PSA Payment Services</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7165 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Austria GmbH, Wien (2024: PCT Nominee Owner LLP,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7166 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wilmington, und PSA Payment Services Austria GmbH, Wien).</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7167 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">In untenstehender Tabelle ist eine zusammengefasste</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7168 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinformation zu den Anteilen des Konzerns an</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7169 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">assoziierten Unternehmen enthalten, die im Vergleich zur</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7170 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Bilanzsumme und zum Gewinn oder Verlust als unwesentlich</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7171 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">gesehen werden (Summe der Beteiligungsbuchwerte an</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7172 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">assoziierten Unternehmen 2025 ohne Best Egg Inc.,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7173 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:229.9pt\">Wilmington, da zur Ver\u00e4u\u00dferung gehalten nach IFRS 5):</span></div><div class=\"ps797 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Summe der Beteiligungsbuchwerte an <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps36\">assoziierten Unternehmen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps622\">106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">101<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Summe der Anteile am Gewinn oder <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps36\">Verlust</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4303 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps294\">6,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4304 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">4,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3586 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Summe der Anteile am sonstigen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps36\">Ergebnis</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5221 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps294\">4,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5222 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6408 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Summe der Anteile am Gesamtergebnis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7174 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">11,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7175 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">4,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-711": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2895\">Steuern vom Einkommen</span><div class=\"ps1179 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Laufender Steueraufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps479\">-222,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-221,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps704 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Latenter Steueraufwand/-ertrag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2896 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps467\">-72,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2897 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-8,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps705 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Steuern vom Einkommen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2898 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps455\">-295,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2899 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps455\">-229,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die nachfolgende Tabelle zeigt eine \u00dcberleitung zwischen dem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:225.1pt\">errechneten und dem ausgewiesenen Steueraufwand:</span></div><div class=\"ps2901 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Jahres\u00fcberschuss vor Steuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps436\">1.157,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">989,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Steuersatz<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">23%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">23%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Errechneter Steueraufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-266,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-227,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps621\">Steuerminderungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aus steuerfreien Beteiligungsertr\u00e4gen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">aus Erstkonsolidierungen / Entkonsolidierungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">7,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">14,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aus steuerlich abzugsf\u00e4higen Dividenden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">10,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">7,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aus Fremdw\u00e4hrungsdifferenzen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">2,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aufgrund abweichender ausl\u00e4ndischer Steuers\u00e4tze<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aus sonstigen steuerlichen Auswirkungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps621\">Steuermehrungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aus Beteiligungsbewertungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aus nicht angesetzten latenten Steuern auf Verlustvortr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aufgrund nicht abzugsf\u00e4higen Aufwands<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-30,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-17,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aus Fremdw\u00e4hrungsdifferenzen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps510 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps511 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aufgrund abweichender ausl\u00e4ndischer Steuers\u00e4tze<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-20,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-3,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aus sonstigen steuerlichen Auswirkungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-4,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Ertragsteuern der Periode<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps775 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-300,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-225,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Aperiodische Ertragsteuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps1765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">5,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-4,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1767 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Ausgewiesene Ertragsteuern (Steueraufwand)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-295,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1770 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-229,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2902 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">In den Aktiva sind latente Steuern aufgrund von Vorteilen aus</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps2903 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">noch nicht genutzten steuerlichen Verlustvortr\u00e4gen in H\u00f6he</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2904 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">von 6\u00a0Mio.\u00a0\u20ac (2024: 6\u00a0Mio.\u00a0\u20ac) ber\u00fccksichtigt. Die</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps2905 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:194.02pt\">Verlustvortr\u00e4ge sind unbegrenzt vortragsf\u00e4hig.</span></div><div class=\"ps2906 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gem\u00e4\u00df IAS 12.34 ist auf steuerliche Verlustvortr\u00e4ge, die durch</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2907 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verrechnung mit zuk\u00fcnftigen Gewinnen voraussichtlich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2908 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">steuerlich genutzt werden k\u00f6nnen, ein latenter</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2909 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Steueranspruch abzugrenzen. Zum 31. Dezember 2025</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">bestanden auf Ebene der BAWAG Group AG steuerliche</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verlustvortr\u00e4ge in H\u00f6he von 0\u00a0Mio.\u00a0\u20ac (2024: 0\u00a0Mio.\u00a0\u20ac), bei den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2912 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">in den Konzernabschluss einbezogenen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2913 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Steuergruppenmitgliedern 1\u00a0Mio.\u00a0\u20ac (2024: 2\u00a0Mio.\u00a0\u20ac) und bei</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps2914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">den sonstigen in den Konzernabschluss einbezogenen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2915 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">\u00f6sterreichischen Unternehmen 0\u00a0Mio. \u20ac (2024: 0\u00a0Mio. \u20ac),</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2916 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:175.18pt\">somit insgesamt 1 Mio.\u00a0\u20ac (2024: 2\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps2917 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Weiters gab es zum 31. Dezember 2025 in ausl\u00e4ndischen</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2918 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Tochterunternehmen steuerliche Verlustvortr\u00e4ge in H\u00f6he von</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2920 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.95pt\">22 Mio. \u20ac (2024: 22 Mio. \u20ac), die voraussichtlich in H\u00f6he von 22</span><span class=\"f charStyle-34546584 ps2919\" style=\"width:2.36pt\"> </span></div><div class=\"ps2921 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:247.47pt\">Mio. \u20ac (2024: 22 Mio. \u20ac) steuerlich genutzt werden k\u00f6nnen.</span></div><div class=\"ps2902 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die \u00dcberpr\u00fcfung der Verwertungsm\u00f6glichkeit der steuerlichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2903 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Verlustvortr\u00e4ge und der aktivierten latenten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2904 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Steuerforderungen erfolgte auf Basis der Langfristplanung des</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps2905 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Konzerns unter Ber\u00fccksichtigung eines Planungszeitraums von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2923 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">f\u00fcnf Jahren. Der erwartete Verbrauch an Verlustvortr\u00e4gen auf</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2906 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Ebene des BAWAG-Konzerns betr\u00e4gt 22\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2907 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">23\u00a0Mio.\u00a0\u20ac). Es werden daher im BAWAG-Konzern latente</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2908 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Steuerforderungen auf Verlustvortr\u00e4ge von rund 6\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2909 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">(2024: 6\u00a0Mio.\u00a0\u20ac) ausgewiesen. W\u00fcrden die prognostizierten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">steuerlichen Ergebnisse um 10% von den Sch\u00e4tzungen des</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps2911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Managements abweichen, w\u00fcrden sich, wenn sich die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps2912 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ergebnisse verbessern, die aktivierten latenten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2913 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Steuerforderungen nicht ver\u00e4ndern (2024: nicht ver\u00e4ndern).</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">W\u00fcrden sich die prognostizierten Ergebnisse verschlechtern,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2915 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">w\u00fcrden sich die aktivierten latenten Steuerforderungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2916 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">ebenfalls nicht ver\u00e4ndern (2024: nicht ver\u00e4ndern). Die aktuelle</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps2924 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">geopolitische Lage hat keine Auswirkungen auf die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2917 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:254.55pt\">Verwertbarkeit der steuerlichen Verlustvortr\u00e4ge der BAWAG.</span></div><div class=\"ps2920 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Der Konzern unterliegt den Regelungen zur</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2921 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Mindestbesteuerung im Rahmen der S\u00e4ule-Zwei-</span></div><div class=\"ps2925 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Gesetzgebung. Die Gruppe geht derzeit davon aus, dass sie nur</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps2922 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">in der Schweiz, wo der gesetzliche Steuersatz unter 15%</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2926 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">betr\u00e4gt, der Mindeststeuer unterliegt. Der erforderliche</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2927 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Betrag von 0,1 Mio. \u20ac wurde in den laufenden Steuern</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2928 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:49.02pt\">abgegrenzt.</span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIncomeTaxExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-710": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2895\">Steuern vom Einkommen</span><div class=\"ps1179 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Laufender Steueraufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps479\">-222,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-221,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps704 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Latenter Steueraufwand/-ertrag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2896 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps467\">-72,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2897 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-8,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps705 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Steuern vom Einkommen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2898 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps455\">-295,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2899 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps455\">-229,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die nachfolgende Tabelle zeigt eine \u00dcberleitung zwischen dem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:225.1pt\">errechneten und dem ausgewiesenen Steueraufwand:</span></div><div class=\"ps2901 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Jahres\u00fcberschuss vor Steuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps436\">1.157,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">989,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Steuersatz<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">23%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">23%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Errechneter Steueraufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-266,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-227,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps621\">Steuerminderungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aus steuerfreien Beteiligungsertr\u00e4gen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">aus Erstkonsolidierungen / Entkonsolidierungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">7,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">14,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aus steuerlich abzugsf\u00e4higen Dividenden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">10,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">7,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aus Fremdw\u00e4hrungsdifferenzen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">2,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aufgrund abweichender ausl\u00e4ndischer Steuers\u00e4tze<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aus sonstigen steuerlichen Auswirkungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps621\">Steuermehrungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aus Beteiligungsbewertungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aus nicht angesetzten latenten Steuern auf Verlustvortr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aufgrund nicht abzugsf\u00e4higen Aufwands<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-30,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-17,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aus Fremdw\u00e4hrungsdifferenzen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps510 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps511 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aufgrund abweichender ausl\u00e4ndischer Steuers\u00e4tze<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-20,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-3,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">aus sonstigen steuerlichen Auswirkungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-4,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Ertragsteuern der Periode<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps775 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-300,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-225,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Aperiodische Ertragsteuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps1765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">5,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-4,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1767 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Ausgewiesene Ertragsteuern (Steueraufwand)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps455\">-295,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1770 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-229,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2902 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">In den Aktiva sind latente Steuern aufgrund von Vorteilen aus</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps2903 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">noch nicht genutzten steuerlichen Verlustvortr\u00e4gen in H\u00f6he</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2904 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">von 6\u00a0Mio.\u00a0\u20ac (2024: 6\u00a0Mio.\u00a0\u20ac) ber\u00fccksichtigt. Die</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps2905 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:194.02pt\">Verlustvortr\u00e4ge sind unbegrenzt vortragsf\u00e4hig.</span></div><div class=\"ps2906 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gem\u00e4\u00df IAS 12.34 ist auf steuerliche Verlustvortr\u00e4ge, die durch</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2907 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verrechnung mit zuk\u00fcnftigen Gewinnen voraussichtlich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2908 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">steuerlich genutzt werden k\u00f6nnen, ein latenter</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2909 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Steueranspruch abzugrenzen. Zum 31. Dezember 2025</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">bestanden auf Ebene der BAWAG Group AG steuerliche</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verlustvortr\u00e4ge in H\u00f6he von 0\u00a0Mio.\u00a0\u20ac (2024: 0\u00a0Mio.\u00a0\u20ac), bei den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2912 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">in den Konzernabschluss einbezogenen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2913 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Steuergruppenmitgliedern 1\u00a0Mio.\u00a0\u20ac (2024: 2\u00a0Mio.\u00a0\u20ac) und bei</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps2914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">den sonstigen in den Konzernabschluss einbezogenen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2915 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">\u00f6sterreichischen Unternehmen 0\u00a0Mio. \u20ac (2024: 0\u00a0Mio. \u20ac),</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2916 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:175.18pt\">somit insgesamt 1 Mio.\u00a0\u20ac (2024: 2\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps2917 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Weiters gab es zum 31. Dezember 2025 in ausl\u00e4ndischen</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2918 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Tochterunternehmen steuerliche Verlustvortr\u00e4ge in H\u00f6he von</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2920 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.95pt\">22 Mio. \u20ac (2024: 22 Mio. \u20ac), die voraussichtlich in H\u00f6he von 22</span><span class=\"f charStyle-34546584 ps2919\" style=\"width:2.36pt\"> </span></div><div class=\"ps2921 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:247.47pt\">Mio. \u20ac (2024: 22 Mio. \u20ac) steuerlich genutzt werden k\u00f6nnen.</span></div><div class=\"ps2902 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die \u00dcberpr\u00fcfung der Verwertungsm\u00f6glichkeit der steuerlichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2903 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Verlustvortr\u00e4ge und der aktivierten latenten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2904 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Steuerforderungen erfolgte auf Basis der Langfristplanung des</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps2905 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Konzerns unter Ber\u00fccksichtigung eines Planungszeitraums von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2923 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">f\u00fcnf Jahren. Der erwartete Verbrauch an Verlustvortr\u00e4gen auf</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2906 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Ebene des BAWAG-Konzerns betr\u00e4gt 22\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2907 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">23\u00a0Mio.\u00a0\u20ac). Es werden daher im BAWAG-Konzern latente</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2908 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Steuerforderungen auf Verlustvortr\u00e4ge von rund 6\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2909 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">(2024: 6\u00a0Mio.\u00a0\u20ac) ausgewiesen. W\u00fcrden die prognostizierten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">steuerlichen Ergebnisse um 10% von den Sch\u00e4tzungen des</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps2911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Managements abweichen, w\u00fcrden sich, wenn sich die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps2912 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ergebnisse verbessern, die aktivierten latenten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2913 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Steuerforderungen nicht ver\u00e4ndern (2024: nicht ver\u00e4ndern).</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">W\u00fcrden sich die prognostizierten Ergebnisse verschlechtern,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2915 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">w\u00fcrden sich die aktivierten latenten Steuerforderungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2916 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">ebenfalls nicht ver\u00e4ndern (2024: nicht ver\u00e4ndern). Die aktuelle</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps2924 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">geopolitische Lage hat keine Auswirkungen auf die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2917 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:254.55pt\">Verwertbarkeit der steuerlichen Verlustvortr\u00e4ge der BAWAG.</span></div><div class=\"ps2920 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Der Konzern unterliegt den Regelungen zur</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2921 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Mindestbesteuerung im Rahmen der S\u00e4ule-Zwei-</span></div><div class=\"ps2925 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Gesetzgebung. Die Gruppe geht derzeit davon aus, dass sie nur</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps2922 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">in der Schweiz, wo der gesetzliche Steuersatz unter 15%</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2926 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">betr\u00e4gt, der Mindeststeuer unterliegt. Der erforderliche</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2927 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Betrag von 0,1 Mio. \u20ac wurde in den laufenden Steuern</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2928 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:49.02pt\">abgegrenzt.</span></div></div><span class=\"f charStyle-b1e544a7 ps2852\">Saldierter aktiver/passiver Bilanzansatz </span><div class=\"ps3899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps3304\">latenter Steuern</span></div><div class=\"ps3900 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die in der Bilanz ausgewiesenen latenten Steuerforderungen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3901 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">und -verbindlichkeiten ergeben sich aufgrund von tempor\u00e4ren</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3902 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Differenzen zwischen dem Buchwert nach IFRS und dem</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3903 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:203.94pt\">steuerrechtlichen Ansatz folgender Bilanzposten:</span></div><div class=\"ps3917 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">44<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">41<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">445<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">401<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">57<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Verlustvortr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Latente Steueranspr\u00fcche<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">576<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">552<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Latente Steueranspr\u00fcche saldiert mit latenten Steuerverplichtungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps623\">-468<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-431<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-9208d16a ps36\">Aktive latente Steuern in der Bilanz ausgewiesen</span><span class=\"f charStyle-b02052a3 ps3904\"><span class=\"f ps37\"> </span><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">108<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">121<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verm\u00f6genswerte zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">517<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">466<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss139\"><div><div class=\"ps40 ss131\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">42<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3742 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Selbsterstellte immaterielle Wirtschaftsg\u00fcter<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3905 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3906 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3907 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3908 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">49<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3909 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">48<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3910 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Latente Steuerverpflichtungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3911 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">657<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3912 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">550<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3913 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Latente Steuerverpflichtungen saldiert mit latenten Steueranspr\u00fcchen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3914 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps623\">-468<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3915 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-431<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps777 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Passive latente Steuern in der Bilanz ausgewiesen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps780 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">189<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps781 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">119<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3916 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">1 Entspricht den aktiven latenten Steuern von Unternehmen, die nicht Teil der Steuergruppe waren.<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3918 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Pro Konzerngesellschaft wurden aktive und passive</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3919 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Steuerlatenzen gegen\u00fcber derselben lokalen Steuerbeh\u00f6rde</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3920 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">saldiert und unter Steuerforderungen oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3921 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:157.54pt\">Steuerverbindlichkeiten ausgewiesen.</span></div><div class=\"ps3922 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die tempor\u00e4ren Differenzen, f\u00fcr die gem\u00e4\u00df IAS 12.39 keine</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3923 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">passiven latenten Steuern gebildet wurden, betrugen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3924 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.96pt\">1.254\u00a0Mio.\u00a0\u20ac (2024: 1.021\u00a0Mio.\u00a0\u20ac). IAS 12.39 besagt, dass dass</span><span class=\"f charStyle-34546584 ps917\" style=\"width:2.36pt\"> </span></div><div class=\"ps3926 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">bei tempor\u00e4ren Differenzen in Verbindung mit Anteilen an</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3927 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Tochterunternehmen keine passiven latenten Steuern gebildet</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3928 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">werden m\u00fcssen, wenn das Mutterunternehmen in der Lage</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps3929 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">ist, den zeitlichen Verlauf der Aufl\u00f6sung der tempor\u00e4ren</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3930 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Differenz zu steuern, und es nicht wahrscheinlich ist, dass sich</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3931 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">die tempor\u00e4ren Differenzen in absehbarer Zeit aufl\u00f6sen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3932 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:34.28pt\">werden.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Sowohl latente Steueranspr\u00fcche als auch latente</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Steuerverpflichtungen haben eine Restlaufzeit von \u00fcber einem</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:19.72pt\">Jahr.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Per 31. Dezember 2025 belaufen sich latente</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Steuerforderungen auf Verlustvortr\u00e4ge der BAWAG auf 6 Mio.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">\u20ac (31. Dezember 2024: 6 Mio. \u20ac). Das Risiko, dass die aktuelle</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">geopolitische Lage Auswirkungen auf die Verwertbarkeit von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">noch nicht verbrauchten Verlustvortr\u00e4gen hat, ist daher als</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">gering anzusehen. Wie in obiger Tabelle ersichtlich, zeigt die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Bilanz eine Nettoverbindlichkeit f\u00fcr latente Steuern in H\u00f6he</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">von 81 Mio. \u20ac (31. Dezember 2024: Nettoforderung von 2 Mio.</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">\u20ac). Ein erh\u00f6htes Risiko, dass zuk\u00fcnftige steuerliche Gewinne</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">nicht ausreichen, um latente Steuerforderungen zu verwerten,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:73.54pt\">ist nicht gegeben.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDeferredTaxesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-713": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Barreserve</span><div class=\"ps2937 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kassenbestand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">154<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Guthaben bei Zentralnotenbanken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">13.711<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.110<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sichtguthaben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">228<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2934 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">392<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2801 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Barreserve<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2935 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.093<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2936 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.604<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndBankBalancesAtCentralBanksExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-712": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Barreserve</span><div class=\"ps2937 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kassenbestand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">154<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Guthaben bei Zentralnotenbanken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">13.711<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.110<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sichtguthaben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">228<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2934 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">392<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2801 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Barreserve<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2935 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.093<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2936 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.604<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashAndCashEquivalentsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-717": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Erfolgswirksam zum beizulegenden </span><div class=\"ps2939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Zeitwert bewertete finanzielle </span></div><div class=\"ps2940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Verm\u00f6genswerte</span></div><div class=\"ps2956 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss145\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam freiwillig zum <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">beizulegenden Zeitwert bewertete </span></div><div class=\"ps2027 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-36b68314 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-0b080fec ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2941 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2942 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2943 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2944 ss146\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam verpflichtend zum <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">beizulegenden Zeitwert bewertete </span></div><div class=\"ps2567 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2945 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-36b68314 ps622\">479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2946 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-0b080fec ps622\">579<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1831 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">Wertpapiere</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2947 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2948 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">335<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2683 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2949 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2950 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">162<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2689 ss145\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps621\">Unternehmen mit <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps621\">Beteiligungsverh\u00e4ltnis und andere </span></div><div class=\"ps2027 ss141\"><span class=\"f charStyle-37455c2a ps621\">Eigenkapitalinstrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2951 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-71900c34 ps622\">110<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2952 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">82<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2953 ss145\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Zeitwert bewertete finanzielle </span></div><div class=\"ps2027 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2954 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-36b68314 ps622\">517<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2955 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-0b080fec ps622\">624<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2957 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">In der Kategorie \u201eErfolgswirksam freiwillig zum beizulegenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zeitwert bewertete finanzielle Verm\u00f6genswerte\u201c werden jene</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2959 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Finanzinstrumente ausgewiesen, die aufgrund der Aus\u00fcbung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der Fair-Value-Option gem\u00e4\u00df IFRS 9 erfolgswirksam zum</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:177.15pt\">beizulegenden Zeitwert angesetzt werden.</span><span class=\"f charStyle-34546584 ps2961\" style=\"width:2.36pt\"> </span></div><div class=\"ps2963 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Weitere Erl\u00e4uterungen zur Fair-Value-Option finden sich in</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Note 1. Das maximale Ausfallsrisiko der Forderungen an</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:142.14pt\">Kunden entspricht dem Buchwert.</span></div><span class=\"f charStyle-b1e544a7 ps2852\">Zu fortgef\u00fchrten Anschaffungskosten </span><div class=\"ps3006 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">bewertete finanzielle Verm\u00f6genswerte</span></div><div class=\"ps3007 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die folgende Aufstellung zeigt die Zusammensetzung der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3008 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kategorie \u201eZu fortgef\u00fchrten Anschaffungskosten bewertete</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3009 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:180.47pt\">finanzielle Verm\u00f6genswerte\u201c des Konzerns.</span></div><div class=\"ps3077 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:180.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:48pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss150\"><div><div class=\"ps3010 ss149\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps524 ss149\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3017 ss152\"><div><div class=\"ps2566 ss151\"><span class=\"f charStyle-37455c2a ps3011\">Buchwert vor <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps3014 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps3016 ss151\"><span class=\"f charStyle-37455c2a ps3015\">tigungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3021 ss153\"><div><div class=\"ps2567 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps3014 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps3016 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3022 ss153\"><div><div class=\"ps2567 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps3014 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps3016 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3023 ss153\"><div><div class=\"ps2567 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps3014 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps3016 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3025 ss153\"><div><div class=\"ps3016 ss50\"><span class=\"f charStyle-37455c2a ps3024\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss152\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-37455c2a ps2034\">Gesamtnetto <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss151\"><span class=\"f charStyle-37455c2a ps3026\">(Buchwert nach <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps3014 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps3016 ss151\"><span class=\"f charStyle-37455c2a ps3027\">tigungen)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3029 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3031 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">51.223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3033 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-84<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3034 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3036 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3035\">-304<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3038 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3037\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3039 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3040 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3042 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.613<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3044 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3045 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3046 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3047 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3048 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.613<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2579 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel \u00f6ffentlicher Stellen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3050 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">263<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3051 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3052 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3053 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3054 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3055 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">263<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps721 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel anderer Emittenten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3056 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.350<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3057 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3058 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3059 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3060 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3061 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.350<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3062 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kreditinstitute<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3063 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3064 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3065 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3066 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3067 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3068 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">452<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3069 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3071 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">55.288<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3072 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-84<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3073 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3074 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3035\">-304<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3075 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3037\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3076 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">54.814<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3119 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:180.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss157\"><div><div class=\"ps3078 ss149\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps3079 ss149\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3017 ss158\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3011\">Buchwert vor <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3015\">tigungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3021 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3022 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3023 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3025 ss159\"><div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3024\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps2034\">Gesamtnetto <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3026\">(Buchwert nach <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3027\">tigungen)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3080 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3081 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">45.845<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3082 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3083 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3084 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3035\">-233<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3086 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3087 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">45.496<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2243 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3088 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.082<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3089 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3090 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3091 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3092 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3093 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.081<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel \u00f6ffentlicher Stellen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3094 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">135<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3095 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3096 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3097 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3098 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3099 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">135<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel anderer Emittenten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3100 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.947<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3101 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3102 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3103 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3104 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3105 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.946<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps726 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kreditinstitute<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3106 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">830<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3107 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3108 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3109 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3110 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3111 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">830<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3112 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3113 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">49.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3114 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-49<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3115 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3116 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3035\">-233<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3117 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3085\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3118 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">49.407<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">In der folgenden Tabelle wird die Verteilung der zum Stichtag</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bestehenden Forderungen an Kunden nach Kreditarten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:47.2pt\">dargestellt:</span></div><div class=\"ps3127 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kredite<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">44.079<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">42.191<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps704 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Girobereich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2896 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">4.306<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2897 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">981<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps705 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Finanzierungsleasing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2898 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.075<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2899 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.084<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps711 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Barvorlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3121 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">209<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3122 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">163<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps716 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Geldmarktgesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3123 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">80<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3124 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">77<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps721 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3125 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3126 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">45.496<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps338 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Finanzielle Verm\u00f6genswerte, welche w\u00e4hrend der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps339 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Berichtsperiode modifiziert, aber nicht ausgebucht wurden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps340 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und die zum Zeitpunkt der Vertragsanpassung der Stufe 2 oder</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps341 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:110.27pt\">Stufe 3 zugeordnet waren:</span><span class=\"f charStyle-34546584 ps3128\" style=\"width:2.36pt\"> </span></div><div class=\"ps3146 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:335.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss161\"><div><div class=\"ps3078 ss160\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps3079 ss160\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3132 ss158\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3129\">Gesamtlaufzeit-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3130\">ECL \u2013 nicht </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3131\">wertgemindert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3134 ss158\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3129\">Gesamtlaufzeit-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3133\">ECL \u2013 </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3131\">wertgemindert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3028 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3135\">Erworbene oder <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3136\">ausgereichte </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3137\">wertgeminderte </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3138\">Finanz-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3080 ss162\"><div><div class=\"ps291 ss160\"><span class=\"f charStyle-37455c2a ps36\">Fortgef\u00fchrte Anschaffungskosten vor Vertragsmodifikation im laufenden Gesch\u00e4ftsjahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3140 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">227<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3142 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3087 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2243 ss162\"><div><div class=\"ps291 ss160\"><span class=\"f charStyle-37455c2a ps36\">Netto-Gewinn / -Verlust aus der Vertragsanpassung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3144 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3145 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3093 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3148 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:335.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss161\"><div><div class=\"ps3078 ss160\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps3079 ss160\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3132 ss158\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3129\">Gesamtlaufzeit-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3130\">ECL \u2013 nicht </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3131\">wertgemindert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3134 ss158\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3129\">Gesamtlaufzeit-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3133\">ECL \u2013 </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3131\">wertgemindert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3028 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3135\">Erworbene oder <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3136\">ausgereichte </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3137\">wertgeminderte </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3138\">Finanz-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3080 ss162\"><div><div class=\"ps291 ss160\"><span class=\"f charStyle-37455c2a ps36\">Fortgef\u00fchrte Anschaffungskosten vor Vertragsmodifikation im laufenden Gesch\u00e4ftsjahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3140 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">189<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3142 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3087 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2243 ss162\"><div><div class=\"ps291 ss160\"><span class=\"f charStyle-37455c2a ps36\">Netto-Gewinn / -Verlust aus der Vertragsanpassung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3144 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3145 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3093 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Modifizierte finanzielle Verm\u00f6genswerte, deren Risikovorsorge</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zum Zeitpunkt der Modifikation der Stufe 2 oder 3 zugeordnet</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">war und welche innerhalb der Berichtsperiode in Stufe 1</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zur\u00fccktransferiert wurden, hatten zum 31.12.2025 einen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:207.07pt\">Bruttobuchwert von 121\u00a0Mio.\u00a0\u20ac (2024: 89\u00a0Mio.\u00a0\u20ac).</span></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die folgende Aufstellung zeigt die Zusammensetzung der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kategorie \u201eZu fortgef\u00fchrten Anschaffungskosten\u201c nach den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:106.91pt\">Segmenten des Konzerns:</span></div><div class=\"ps3127 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:180.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss157\"><div><div class=\"ps3078 ss149\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps3079 ss149\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3017 ss158\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3011\">Buchwert vor <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3015\">tigungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3021 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3022 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3023 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3025 ss159\"><div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3024\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3028 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps2034\">Gesamtnetto <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3026\">(Buchwert nach <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3027\">tigungen)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3080 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3081 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">39.124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3082 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-74<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3083 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3084 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3035\">-291<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3086 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3151\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3087 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">38.680<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2243 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3088 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">13.968<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3089 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3090 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3091 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3092 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3093 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">13.938<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2248 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3094 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.653<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3095 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3096 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3097 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3098 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3099 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.653<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2253 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3100 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-457<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3101 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3102 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3103 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3104 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3105 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-457<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps726 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3106 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">55.288<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3107 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-84<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3108 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3109 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3035\">-304<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3110 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3037\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3111 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">54.814<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3188 ss0\"><div class=\"ss170 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:180pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss165\"><div><div class=\"ps3078 ss164\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps3079 ss164\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3153 ss158\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3011\">Buchwert vor <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3015\">tigungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1787 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3154 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3155 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3156 ss159\"><div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3024\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3157 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps2034\">Gesamtnetto <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3026\">(Buchwert nach <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3027\">tigungen)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3080 ss166\"><div><div class=\"ps291 ss164\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3158 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">34.263<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3159 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-41<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3160 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3161 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3035\">-212<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3162 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3163 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">33.947<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2243 ss166\"><div><div class=\"ps291 ss164\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3164 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">13.286<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3165 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3166 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3167 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3168 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3169 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">13.252<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2248 ss166\"><div><div class=\"ps291 ss164\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3170 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.553<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3171 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3172 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3173 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3174 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3175 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.553<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2253 ss167\"><div><div class=\"ps40 ss164\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3176 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-345<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3177 ss169\"><div><div class=\"ps40 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3178 ss169\"><div><div class=\"ps40 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3179 ss169\"><div><div class=\"ps40 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3180 ss169\"><div><div class=\"ps40 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3181 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-345<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1349 ss166\"><div><div class=\"ps291 ss164\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3182 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">49.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3183 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-49<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3184 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3185 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3035\">-233<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3186 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3085\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3187 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">49.407<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps1632\">17 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2852\">Restlaufzeiten Verm\u00f6genswerte</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die folgende Tabelle zeigt die Aufgliederung der finanziellen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerte (exkl. Unternehmen mit Beteiligungsverh\u00e4lt-</span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">nis, anderer Eigenkapitalinstrumente und Derivaten) nach</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:78.17pt\">deren Restlaufzeit.</span></div><div class=\"ps3267 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:240.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verm\u00f6genswerte \u2013 Gliederung nach Restlaufzeiten 2025</span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss172\"><div><div class=\"ps3190 ss171\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps3191 ss171\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3194 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3192\">t\u00e4glich <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3193\">f\u00e4llig</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3197 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3195\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3196\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3199 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3196\">3 Monate <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3198\">bis 1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3201 ss174\"><div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3200\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3203 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps2061\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3202\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3205 ss174\"><div><div class=\"ps2567 ss173\"><span class=\"f charStyle-584de24a ps3204\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1334 ss175\"><div><div class=\"ps624 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam freiwillig zum beizulegenden Zeitwert bewertete <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2574 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3207 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3208 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3209 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3211 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3213 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">31<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3214 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3212\">38<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2888 ss175\"><div><div class=\"ps624 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3215 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3216 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3217 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3218 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">17<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3219 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">83<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3220 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3222 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">149<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3223 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3224 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3225 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3226 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3227 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">196<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3228 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3229 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">220<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3230 ss178\"><div><div class=\"ps40 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps478 ss179\"><div><div class=\"ps40 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere festverzinste Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3231 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3232 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">74<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3233 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3234 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">847<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3235 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">309<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3237 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-71900c34 ps3236\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1094 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1098 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3238 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">808<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3239 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">4.090<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3240 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">2.542<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3241 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">8.729<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3243 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3242\">34.580<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3244 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3242\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1102 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kreditinstitute<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3245 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3246 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">398<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3247 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3248 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">29<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3249 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3250 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">452<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3251 ss179\"><div><div class=\"ps40 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere festverzinste Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3252 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3253 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">137<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3254 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">784<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3255 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">732<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3256 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">1.960<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3257 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-71900c34 ps3236\">3.613<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3258 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3259 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3221\">811<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3261 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3260\">4.700<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3262 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3260\">3.392<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3264 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3263\">10.623<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3265 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3263\">36.970<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3266 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-36b68314 ps3263\">56.496<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps3303 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:240.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verm\u00f6genswerte \u2013 Gliederung nach Restlaufzeiten 2024</span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss172\"><div><div class=\"ps3190 ss171\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps3191 ss171\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3194 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3192\">t\u00e4glich <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3193\">f\u00e4llig</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3197 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3195\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3196\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3199 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3196\">3 Monate <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3198\">bis 1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3201 ss174\"><div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3200\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3203 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps2061\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3202\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3205 ss174\"><div><div class=\"ps2567 ss173\"><span class=\"f charStyle-584de24a ps3204\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1334 ss175\"><div><div class=\"ps624 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam freiwillig zum beizulegenden Zeitwert bewertete <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2574 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3207 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3208 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3209 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3211 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3213 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3214 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3212\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2888 ss175\"><div><div class=\"ps624 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3215 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3216 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3217 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3218 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3219 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">112<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3220 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3222 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">162<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3223 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3224 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3225 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3226 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">176<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3227 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">79<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3228 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">79<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3229 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">335<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3230 ss175\"><div><div class=\"ps624 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3268 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere festverzinste Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3269 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3270 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">237<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3271 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">73<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3272 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">882<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3273 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">576<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3274 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3236\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2974 ss179\"><div><div class=\"ps40 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3275 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3276 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">1.187<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3277 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">800<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3278 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">1.122<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3279 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">9.346<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3280 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3242\">33.041<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3281 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3242\">45.496<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3282 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kreditinstitute<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3283 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3284 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">771<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3285 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3286 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3287 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">49<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3288 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">830<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3289 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere festverzinste Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3290 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3291 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3292 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3293 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">804<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3294 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">2.082<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3295 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3236\">3.081<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3296 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3297 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3260\">1.190<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3298 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3260\">1.860<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3299 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3260\">1.519<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3300 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3263\">11.238<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3301 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3263\">35.911<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3302 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-36b68314 ps3263\">51.718<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToCustomersExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-716": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Erfolgswirksam zum beizulegenden </span><div class=\"ps2939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Zeitwert bewertete finanzielle </span></div><div class=\"ps2940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Verm\u00f6genswerte</span></div><div class=\"ps2956 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss145\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam freiwillig zum <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">beizulegenden Zeitwert bewertete </span></div><div class=\"ps2027 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-36b68314 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-0b080fec ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2941 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2942 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2943 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2944 ss146\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam verpflichtend zum <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">beizulegenden Zeitwert bewertete </span></div><div class=\"ps2567 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2945 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-36b68314 ps622\">479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2946 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-0b080fec ps622\">579<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1831 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">Wertpapiere</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2947 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2948 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">335<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2683 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2949 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2950 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">162<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2689 ss145\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps621\">Unternehmen mit <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps621\">Beteiligungsverh\u00e4ltnis und andere </span></div><div class=\"ps2027 ss141\"><span class=\"f charStyle-37455c2a ps621\">Eigenkapitalinstrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2951 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-71900c34 ps622\">110<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2952 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">82<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2953 ss145\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Zeitwert bewertete finanzielle </span></div><div class=\"ps2027 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2954 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-36b68314 ps622\">517<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2955 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-0b080fec ps622\">624<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2957 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">In der Kategorie \u201eErfolgswirksam freiwillig zum beizulegenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zeitwert bewertete finanzielle Verm\u00f6genswerte\u201c werden jene</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2959 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Finanzinstrumente ausgewiesen, die aufgrund der Aus\u00fcbung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der Fair-Value-Option gem\u00e4\u00df IFRS 9 erfolgswirksam zum</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:177.15pt\">beizulegenden Zeitwert angesetzt werden.</span><span class=\"f charStyle-34546584 ps2961\" style=\"width:2.36pt\"> </span></div><div class=\"ps2963 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Weitere Erl\u00e4uterungen zur Fair-Value-Option finden sich in</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Note 1. Das maximale Ausfallsrisiko der Forderungen an</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:142.14pt\">Kunden entspricht dem Buchwert.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsDesignatedAtFairValueThroughProfitOrLossExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-715": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Erfolgswirksam zum beizulegenden </span><div class=\"ps2939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Zeitwert bewertete finanzielle </span></div><div class=\"ps2940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Verm\u00f6genswerte</span></div><div class=\"ps2956 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss145\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam freiwillig zum <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">beizulegenden Zeitwert bewertete </span></div><div class=\"ps2027 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-36b68314 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-0b080fec ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2941 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2942 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2943 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2944 ss146\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam verpflichtend zum <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">beizulegenden Zeitwert bewertete </span></div><div class=\"ps2567 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2945 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-36b68314 ps622\">479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2946 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-0b080fec ps622\">579<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1831 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">Wertpapiere</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2947 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2948 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">335<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2683 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2949 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2950 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">162<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2689 ss145\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps621\">Unternehmen mit <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps621\">Beteiligungsverh\u00e4ltnis und andere </span></div><div class=\"ps2027 ss141\"><span class=\"f charStyle-37455c2a ps621\">Eigenkapitalinstrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2951 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-71900c34 ps622\">110<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2952 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">82<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2953 ss145\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Zeitwert bewertete finanzielle </span></div><div class=\"ps2027 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2954 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-36b68314 ps622\">517<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2955 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-0b080fec ps622\">624<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2957 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">In der Kategorie \u201eErfolgswirksam freiwillig zum beizulegenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zeitwert bewertete finanzielle Verm\u00f6genswerte\u201c werden jene</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2959 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Finanzinstrumente ausgewiesen, die aufgrund der Aus\u00fcbung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der Fair-Value-Option gem\u00e4\u00df IFRS 9 erfolgswirksam zum</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:177.15pt\">beizulegenden Zeitwert angesetzt werden.</span><span class=\"f charStyle-34546584 ps2961\" style=\"width:2.36pt\"> </span></div><div class=\"ps2963 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Weitere Erl\u00e4uterungen zur Fair-Value-Option finden sich in</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Note 1. Das maximale Ausfallsrisiko der Forderungen an</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:142.14pt\">Kunden entspricht dem Buchwert.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsAtFairValueThroughProfitOrLossExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-714": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Erfolgswirksam zum beizulegenden </span><div class=\"ps2939 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Zeitwert bewertete finanzielle </span></div><div class=\"ps2940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Verm\u00f6genswerte</span></div><div class=\"ps2956 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss145\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam freiwillig zum <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">beizulegenden Zeitwert bewertete </span></div><div class=\"ps2027 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-36b68314 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-0b080fec ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2941 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2942 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2943 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2944 ss146\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam verpflichtend zum <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">beizulegenden Zeitwert bewertete </span></div><div class=\"ps2567 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2945 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-36b68314 ps622\">479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2946 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-0b080fec ps622\">579<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1831 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">Wertpapiere</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2947 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2948 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">335<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2683 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2949 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2950 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">162<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2689 ss145\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps621\">Unternehmen mit <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps621\">Beteiligungsverh\u00e4ltnis und andere </span></div><div class=\"ps2027 ss141\"><span class=\"f charStyle-37455c2a ps621\">Eigenkapitalinstrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2951 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-71900c34 ps622\">110<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2952 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">82<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2953 ss145\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Zeitwert bewertete finanzielle </span></div><div class=\"ps2027 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2954 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-36b68314 ps622\">517<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2955 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-0b080fec ps622\">624<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2957 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">In der Kategorie \u201eErfolgswirksam freiwillig zum beizulegenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zeitwert bewertete finanzielle Verm\u00f6genswerte\u201c werden jene</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2959 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Finanzinstrumente ausgewiesen, die aufgrund der Aus\u00fcbung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der Fair-Value-Option gem\u00e4\u00df IFRS 9 erfolgswirksam zum</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:177.15pt\">beizulegenden Zeitwert angesetzt werden.</span><span class=\"f charStyle-34546584 ps2961\" style=\"width:2.36pt\"> </span></div><div class=\"ps2963 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Weitere Erl\u00e4uterungen zur Fair-Value-Option finden sich in</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Note 1. Das maximale Ausfallsrisiko der Forderungen an</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:142.14pt\">Kunden entspricht dem Buchwert.</span></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps185\">14 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2895\">Im sonstigen Ergebnis ausgewiesene zum </span></div><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2895\">beizulegenden Zeitwert bewertete </span></div><div class=\"ps2830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2895\">finanzielle Verm\u00f6genswerte</span></div><div class=\"ps2831 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Schuldtitel<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps772\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">festverzinste Wertpapiere</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2931 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2932 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps626\">Schuldverschreibungen anderer <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps626\">Emittenten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2846 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2847 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.522<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps626\">Schuldtitel \u00f6ffentlicher Stellen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2966 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">175<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2967 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">247<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Unternehmen mit Beteiligungsverh\u00e4ltnis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">und andere Eigenkapitalinstrumente</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2968 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2969 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps622\">144<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1839 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">AT1-Kapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2970 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2971 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">28<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps621\">Anteile an nicht konsolidierten <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps621\">beherrschten Unternehmen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2972 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2973 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2974 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Sonstige Anteile<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2975 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">42<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2976 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2359 ss145\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">zum beizulegenden Zeitwert bewertete </span></div><div class=\"ps2027 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2977 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-36b68314 ps772\">1.322<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2978 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.913<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2979 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Im Jahr 2025 wurden f\u00fcr im sonstigen Ergebnis ausgewiesene,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zum beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2981 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verm\u00f6genswerte 12-Monats-ECLs Stage 1 in H\u00f6he von</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps2983 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:202.29pt\">0,2\u00a0Mio.\u00a0\u20ac aufgel\u00f6st (2024: 0,6\u00a0Mio.\u00a0\u20ac aufgel\u00f6st).</span><span class=\"f charStyle-34546584 ps2982\" style=\"width:2.36pt\"> </span></div><div class=\"ps2984 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Der Posten AT1-Kapital umfasst Investitionen in AT1-</span></div><div class=\"ps2986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:135.02pt\">Emissionen von Kreditinstituten.</span><span class=\"f charStyle-34546584 ps2985\" style=\"width:2.36pt\"> </span></div><div class=\"ps2987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die sonstigen Anteile beinhalten im Wesentlichen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2988 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Investitionen in Finanzinstitute und betreffen mit 0\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps2989 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">b\u00f6rsennotierte Anteile und mit 42\u00a0Mio.\u00a0\u20ac nicht b\u00f6rsennotierte</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps2990 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Anteile (2024: mit 0\u00a0Mio.\u00a0\u20ac b\u00f6rsennotierte Anteile und mit</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2991 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:170.09pt\">109\u00a0Mio.\u00a0\u20ac nicht b\u00f6rsennotierte Anteile).</span></div><div class=\"ps2992 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Im Jahr 2025 wurden Bewertungen zum beizulegenden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2993 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Zeitwert von Beteiligungen und sonstigen Anteilen in H\u00f6he</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps2994 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">von +1,4\u00a0Mio.\u00a0\u20ac im sonstigen Ergebnis ausgewiesen (2024:</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2995 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">+2,6\u00a0Mio.\u00a0\u20ac). Davon betreffen +0,0\u00a0Mio.\u00a0\u20ac b\u00f6rsennotierte</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps2996 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Anteile und +1,4 Mio.\u00a0\u20ac nicht b\u00f6rsennotierte Anteile (2024:</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2997 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">+3,6\u00a0Mio.\u00a0\u20ac b\u00f6rsennotierte Anteile und -1,0\u00a0Mio.\u00a0\u20ac nicht</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps2998 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">b\u00f6rsennotierte Anteile). Dividenden aus im sonstigen Ergebnis</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2999 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ausgewiesenen zum beizulegenden Zeitwert bewerteten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3000 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Unternehmensbeteiligungen beliefen sich auf 0,9\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3001 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:76.46pt\">(2024: 3,9\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps1632\">15 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2852\">Handelsaktiva</span></div><div class=\"ps1179 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Derivate des Bankbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">316<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">W\u00e4hrungsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Zinsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">305<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">316<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3005 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps1632\">16 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2852\">Zu fortgef\u00fchrten Anschaffungskosten </span></div><div class=\"ps3006 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">bewertete finanzielle Verm\u00f6genswerte</span></div><div class=\"ps3007 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die folgende Aufstellung zeigt die Zusammensetzung der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3008 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kategorie \u201eZu fortgef\u00fchrten Anschaffungskosten bewertete</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3009 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:180.47pt\">finanzielle Verm\u00f6genswerte\u201c des Konzerns.</span></div><div class=\"ps3077 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:180.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:48pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss150\"><div><div class=\"ps3010 ss149\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps524 ss149\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3017 ss152\"><div><div class=\"ps2566 ss151\"><span class=\"f charStyle-37455c2a ps3011\">Buchwert vor <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps3014 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps3016 ss151\"><span class=\"f charStyle-37455c2a ps3015\">tigungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3021 ss153\"><div><div class=\"ps2567 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps3014 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps3016 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3022 ss153\"><div><div class=\"ps2567 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps3014 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps3016 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3023 ss153\"><div><div class=\"ps2567 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps3014 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps3016 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3025 ss153\"><div><div class=\"ps3016 ss50\"><span class=\"f charStyle-37455c2a ps3024\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss152\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-37455c2a ps2034\">Gesamtnetto <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss151\"><span class=\"f charStyle-37455c2a ps3026\">(Buchwert nach <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps3014 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps3016 ss151\"><span class=\"f charStyle-37455c2a ps3027\">tigungen)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3029 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3031 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">51.223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3033 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-84<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3034 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3036 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3035\">-304<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3038 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3037\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3039 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3040 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3042 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.613<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3044 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3045 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3046 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3047 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3048 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.613<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2579 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel \u00f6ffentlicher Stellen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3050 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">263<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3051 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3052 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3053 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3054 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3055 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">263<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps721 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel anderer Emittenten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3056 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.350<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3057 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3058 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3059 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3060 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3061 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.350<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3062 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kreditinstitute<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3063 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3064 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3065 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3066 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3067 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3068 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">452<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3069 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3071 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">55.288<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3072 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-84<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3073 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3074 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3035\">-304<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3075 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3037\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3076 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">54.814<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3119 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:180.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss157\"><div><div class=\"ps3078 ss149\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps3079 ss149\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3017 ss158\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3011\">Buchwert vor <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3015\">tigungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3021 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3022 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3023 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3025 ss159\"><div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3024\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps2034\">Gesamtnetto <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3026\">(Buchwert nach <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3027\">tigungen)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3080 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3081 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">45.845<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3082 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3083 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3084 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3035\">-233<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3086 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3087 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">45.496<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2243 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3088 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.082<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3089 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3090 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3091 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3092 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3093 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.081<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel \u00f6ffentlicher Stellen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3094 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">135<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3095 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3096 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3097 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3098 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3099 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">135<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel anderer Emittenten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3100 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.947<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3101 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3102 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3103 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3104 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3105 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.946<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps726 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kreditinstitute<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3106 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">830<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3107 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3108 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3109 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3110 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3111 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">830<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3112 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3113 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">49.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3114 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-49<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3115 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3116 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3035\">-233<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3117 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3085\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3118 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">49.407<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">In der folgenden Tabelle wird die Verteilung der zum Stichtag</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bestehenden Forderungen an Kunden nach Kreditarten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:47.2pt\">dargestellt:</span></div><div class=\"ps3127 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kredite<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">44.079<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">42.191<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps704 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Girobereich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2896 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">4.306<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2897 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">981<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps705 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Finanzierungsleasing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2898 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.075<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2899 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.084<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps711 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Barvorlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3121 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">209<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3122 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">163<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps716 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Geldmarktgesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3123 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">80<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3124 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">77<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps721 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3125 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3126 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">45.496<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps338 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Finanzielle Verm\u00f6genswerte, welche w\u00e4hrend der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps339 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Berichtsperiode modifiziert, aber nicht ausgebucht wurden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps340 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und die zum Zeitpunkt der Vertragsanpassung der Stufe 2 oder</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps341 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:110.27pt\">Stufe 3 zugeordnet waren:</span><span class=\"f charStyle-34546584 ps3128\" style=\"width:2.36pt\"> </span></div><div class=\"ps3146 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:335.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss161\"><div><div class=\"ps3078 ss160\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps3079 ss160\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3132 ss158\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3129\">Gesamtlaufzeit-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3130\">ECL \u2013 nicht </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3131\">wertgemindert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3134 ss158\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3129\">Gesamtlaufzeit-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3133\">ECL \u2013 </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3131\">wertgemindert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3028 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3135\">Erworbene oder <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3136\">ausgereichte </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3137\">wertgeminderte </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3138\">Finanz-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3080 ss162\"><div><div class=\"ps291 ss160\"><span class=\"f charStyle-37455c2a ps36\">Fortgef\u00fchrte Anschaffungskosten vor Vertragsmodifikation im laufenden Gesch\u00e4ftsjahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3140 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">227<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3142 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3087 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2243 ss162\"><div><div class=\"ps291 ss160\"><span class=\"f charStyle-37455c2a ps36\">Netto-Gewinn / -Verlust aus der Vertragsanpassung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3144 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3145 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3093 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3148 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:335.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss161\"><div><div class=\"ps3078 ss160\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps3079 ss160\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3132 ss158\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3129\">Gesamtlaufzeit-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3130\">ECL \u2013 nicht </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3131\">wertgemindert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3134 ss158\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3129\">Gesamtlaufzeit-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3133\">ECL \u2013 </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3131\">wertgemindert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3028 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3135\">Erworbene oder <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3136\">ausgereichte </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3137\">wertgeminderte </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3138\">Finanz-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3080 ss162\"><div><div class=\"ps291 ss160\"><span class=\"f charStyle-37455c2a ps36\">Fortgef\u00fchrte Anschaffungskosten vor Vertragsmodifikation im laufenden Gesch\u00e4ftsjahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3140 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">189<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3142 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3087 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2243 ss162\"><div><div class=\"ps291 ss160\"><span class=\"f charStyle-37455c2a ps36\">Netto-Gewinn / -Verlust aus der Vertragsanpassung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3144 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3145 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3093 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Modifizierte finanzielle Verm\u00f6genswerte, deren Risikovorsorge</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zum Zeitpunkt der Modifikation der Stufe 2 oder 3 zugeordnet</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">war und welche innerhalb der Berichtsperiode in Stufe 1</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zur\u00fccktransferiert wurden, hatten zum 31.12.2025 einen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:207.07pt\">Bruttobuchwert von 121\u00a0Mio.\u00a0\u20ac (2024: 89\u00a0Mio.\u00a0\u20ac).</span></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die folgende Aufstellung zeigt die Zusammensetzung der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kategorie \u201eZu fortgef\u00fchrten Anschaffungskosten\u201c nach den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:106.91pt\">Segmenten des Konzerns:</span></div><div class=\"ps3127 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:180.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss157\"><div><div class=\"ps3078 ss149\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps3079 ss149\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3017 ss158\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3011\">Buchwert vor <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3015\">tigungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3021 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3022 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3023 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3025 ss159\"><div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3024\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3028 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps2034\">Gesamtnetto <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3026\">(Buchwert nach <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3027\">tigungen)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3080 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3081 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">39.124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3082 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-74<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3083 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3084 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3035\">-291<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3086 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3151\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3087 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">38.680<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2243 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3088 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">13.968<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3089 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3090 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3091 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3092 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3093 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">13.938<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2248 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3094 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.653<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3095 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3096 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3097 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3098 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3099 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.653<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2253 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3100 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-457<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3101 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3102 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3103 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3104 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3105 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-457<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps726 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3106 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">55.288<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3107 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-84<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3108 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3109 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3035\">-304<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3110 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3037\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3111 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">54.814<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3188 ss0\"><div class=\"ss170 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:180pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss165\"><div><div class=\"ps3078 ss164\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps3079 ss164\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3153 ss158\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3011\">Buchwert vor <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3015\">tigungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1787 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3154 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3155 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3156 ss159\"><div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3024\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3157 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps2034\">Gesamtnetto <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3026\">(Buchwert nach <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3027\">tigungen)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3080 ss166\"><div><div class=\"ps291 ss164\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3158 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">34.263<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3159 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-41<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3160 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3161 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3035\">-212<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3162 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3163 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">33.947<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2243 ss166\"><div><div class=\"ps291 ss164\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3164 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">13.286<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3165 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3166 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3167 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3168 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3169 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">13.252<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2248 ss166\"><div><div class=\"ps291 ss164\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3170 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.553<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3171 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3172 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3173 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3174 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3175 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.553<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2253 ss167\"><div><div class=\"ps40 ss164\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3176 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-345<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3177 ss169\"><div><div class=\"ps40 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3178 ss169\"><div><div class=\"ps40 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3179 ss169\"><div><div class=\"ps40 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3180 ss169\"><div><div class=\"ps40 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3181 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-345<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1349 ss166\"><div><div class=\"ps291 ss164\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3182 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">49.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3183 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-49<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3184 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3185 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3035\">-233<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3186 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3085\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3187 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">49.407<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps1632\">17 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2852\">Restlaufzeiten Verm\u00f6genswerte</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die folgende Tabelle zeigt die Aufgliederung der finanziellen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerte (exkl. Unternehmen mit Beteiligungsverh\u00e4lt-</span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">nis, anderer Eigenkapitalinstrumente und Derivaten) nach</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:78.17pt\">deren Restlaufzeit.</span></div><div class=\"ps3267 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:240.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verm\u00f6genswerte \u2013 Gliederung nach Restlaufzeiten 2025</span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss172\"><div><div class=\"ps3190 ss171\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps3191 ss171\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3194 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3192\">t\u00e4glich <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3193\">f\u00e4llig</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3197 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3195\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3196\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3199 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3196\">3 Monate <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3198\">bis 1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3201 ss174\"><div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3200\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3203 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps2061\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3202\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3205 ss174\"><div><div class=\"ps2567 ss173\"><span class=\"f charStyle-584de24a ps3204\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1334 ss175\"><div><div class=\"ps624 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam freiwillig zum beizulegenden Zeitwert bewertete <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2574 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3207 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3208 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3209 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3211 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3213 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">31<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3214 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3212\">38<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2888 ss175\"><div><div class=\"ps624 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3215 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3216 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3217 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3218 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">17<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3219 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">83<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3220 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3222 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">149<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3223 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3224 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3225 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3226 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3227 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">196<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3228 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3229 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">220<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3230 ss178\"><div><div class=\"ps40 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps478 ss179\"><div><div class=\"ps40 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere festverzinste Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3231 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3232 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">74<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3233 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3234 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">847<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3235 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">309<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3237 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-71900c34 ps3236\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1094 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1098 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3238 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">808<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3239 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">4.090<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3240 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">2.542<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3241 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">8.729<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3243 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3242\">34.580<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3244 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3242\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1102 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kreditinstitute<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3245 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3246 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">398<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3247 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3248 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">29<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3249 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3250 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">452<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3251 ss179\"><div><div class=\"ps40 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere festverzinste Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3252 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3253 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">137<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3254 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">784<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3255 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">732<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3256 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">1.960<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3257 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-71900c34 ps3236\">3.613<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3258 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3259 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3221\">811<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3261 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3260\">4.700<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3262 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3260\">3.392<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3264 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3263\">10.623<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3265 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3263\">36.970<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3266 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-36b68314 ps3263\">56.496<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps3303 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:240.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verm\u00f6genswerte \u2013 Gliederung nach Restlaufzeiten 2024</span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss172\"><div><div class=\"ps3190 ss171\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps3191 ss171\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3194 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3192\">t\u00e4glich <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3193\">f\u00e4llig</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3197 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3195\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3196\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3199 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3196\">3 Monate <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3198\">bis 1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3201 ss174\"><div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3200\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3203 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps2061\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3202\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3205 ss174\"><div><div class=\"ps2567 ss173\"><span class=\"f charStyle-584de24a ps3204\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1334 ss175\"><div><div class=\"ps624 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam freiwillig zum beizulegenden Zeitwert bewertete <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2574 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3207 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3208 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3209 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3211 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3213 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3214 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3212\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2888 ss175\"><div><div class=\"ps624 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3215 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3216 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3217 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3218 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3219 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">112<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3220 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3222 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">162<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3223 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3224 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3225 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3226 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">176<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3227 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">79<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3228 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">79<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3229 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">335<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3230 ss175\"><div><div class=\"ps624 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3268 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere festverzinste Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3269 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3270 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">237<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3271 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">73<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3272 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">882<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3273 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">576<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3274 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3236\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2974 ss179\"><div><div class=\"ps40 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3275 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3276 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">1.187<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3277 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">800<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3278 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">1.122<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3279 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">9.346<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3280 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3242\">33.041<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3281 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3242\">45.496<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3282 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kreditinstitute<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3283 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3284 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">771<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3285 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3286 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3287 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">49<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3288 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">830<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3289 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere festverzinste Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3290 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3291 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3292 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3293 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">804<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3294 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">2.082<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3295 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3236\">3.081<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3296 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3297 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3260\">1.190<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3298 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3260\">1.860<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3299 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3260\">1.519<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3300 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3263\">11.238<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3301 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3263\">35.911<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3302 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-36b68314 ps3263\">51.718<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps2895\">Erfolgswirksam zum beizulegenden </span><div class=\"ps3967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2895\">Zeitwert bewertete finanzielle </span></div><div class=\"ps3968 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2895\">Verbindlichkeiten</span></div><div class=\"ps3971 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Begebene Schuldverschreibungen, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Nachrang- und Erg\u00e4nzungskapital</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2242 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">andere verbriefte Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2844 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2845 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2243 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3969 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3970 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">b\u00f6rsenotierte Private Placements</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2966 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2967 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1831 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Zeitwert bewertete Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2947 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2948 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3972 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die begebenen Schuldverschreibungen betreffen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">b\u00f6rsennotierte Emissionen. Erfolgswirksam zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3975 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Verbindlichkeiten beinhalten P.S.K.-Emissionen, die von der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:147.82pt\">Republik \u00d6sterreich garantiert sind.</span></div><div class=\"ps3977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Der Buchwert der zum beizulegenden Zeitwert bilanzierten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3978 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Eigenen Emissionen per 31. Dezember 2025 liegt um</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3979 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">3,9\u00a0Mio.\u00a0\u20ac \u00fcber deren R\u00fcckzahlungsbetrag (2024: 0,2\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:134.91pt\">unter dem R\u00fcckzahlungsbetrag).</span></div><div class=\"ps3981 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps185\">24 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2895\">Handelspassiva</span></div><div class=\"ps3982 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Derivate des Bankbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">W\u00e4hrungsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">44<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Zinsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">432<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">405<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Kreditderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps1632\">25 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2852\">Finanzielle Verbindlichkeiten zu </span></div><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">fortgef\u00fchrten Anschaffungskosten</span></div><div class=\"ps2792 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">812<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Girobereich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.027<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">19.450<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">17.360<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.154<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.663<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.278<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Einlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">27.340<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">26.720<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">T\u00e4glich f\u00e4llige Einlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.412<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.847<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.052<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.517<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">281<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">148<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">44<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Termineinlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">6.928<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.873<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps510 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">6.421<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps511 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.997<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">431<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.808<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">68<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps775 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Begebene Schuldverschreibungen und Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.174<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1767 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps1769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.713<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1770 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.280<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1772 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1773 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">630<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3985 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Andere verbriefte Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3986 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.130<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3987 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3988 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3989 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">65.707<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3990 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">64.608<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3991 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Bei den begebenen Schuldverschreibungen handelt es sich im</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3992 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:189.37pt\">Wesentlichen um b\u00f6rsennotierte Emissionen.</span></div><div class=\"ps3993 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zum 31. Dezember 2025 und zum 31. Dezember 2024 gab es</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3994 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">keinen ausstehenden Betrag aus der TLTRO-III-Fazilit\u00e4t der EZB</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3996 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:24.7pt\">mehr.</span><span class=\"f charStyle-34546584 ps3995\" style=\"width:2.36pt\"> </span></div><div class=\"ps3997 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">2025 gab es keinen Zinsaufwand aus dem TLTRO-III-Programm</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps3998 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">(2024: Zinsaufwand in H\u00f6he von 5,8 Mio. \u20ac; im Posten</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps4000 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:114.11pt\">Zinsaufwand ausgewiesen).</span><span class=\"f charStyle-34546584 ps3999\" style=\"width:2.36pt\"> </span></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps1632\">26 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2852\">Begebene Schuldverschreibungen, </span></div><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Nachrang- und Erg\u00e4nzungskapital</span></div><div class=\"ps4001 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Begebene Schuldverschreibungen sowie Nachrang- und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4002 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Erg\u00e4nzungskapital werden in der Kategorie \u201eErfolgswirksam</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4003 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zum beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps191 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verbindlichkeiten\u201c bzw. in der Kategorie \u201eFinanzielle</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps193 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten\u201c</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps194 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">ausgewiesen. Insgesamt ergibt sich das folgende</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps195 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:145.12pt\">Gesamtvolumen (IFRS-Buchwerte):</span></div><div class=\"ps4027 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps281 ss261\"><span class=\"f charStyle-c5fdbd46 ps4005\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps2044 ss264\"><div><div class=\"ps624 ss263\"><span class=\"f charStyle-37455c2a ps4006\">Bewertung zum <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps4007\">beizulegenden Zeitwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps624 ss263\"><span class=\"f charStyle-37455c2a ps4008\">Bewertung zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps4009\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps4010\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4011 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps295 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Begebene Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4012 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4013 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.713<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.280<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.736<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.343<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4016 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4017 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2763 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4020 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4021 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4022 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4023 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">630<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">630<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps313 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4024 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps314 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps315 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.130<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps316 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.148<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps318 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.287<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps726 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4025 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4026 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.174<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps729 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.583<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.274<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">In der folgenden Tabelle werden die wesentlichen Konditionen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der begebenen Schuldverschreibungen angef\u00fchrt, deren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:134.46pt\">Nominale 200\u00a0Mio.\u00a0\u20ac \u00fcbersteigt:</span></div><div class=\"ps3127 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps4029\">ISIN<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4031 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4030\">Typ<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3017 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4032\">W\u00e4hrung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4035 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4033\">Nominale<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4034\">in Mio. EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4038 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4036\">Art der <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4037\">Verzinsung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4040 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps4039\">Kupon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4041\">Laufzeitende<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2523326853<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4043 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4045 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4047 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4049 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">2,000%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">25.08.2032<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2570759154<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">850<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4053 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4054 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,130%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">12.01.2029<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2234573710<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4055 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4056 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4057 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4058 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4059 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">23.09.2030<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2468221747<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4060 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4061 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4062 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4063 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4064 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">1,125%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.07.2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2487770104<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4065 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4066 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4067 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4068 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4069 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">1,750%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">08.03.2030<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2556232143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4070 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4071 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4072 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4073 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4074 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,000%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">17.05.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps461 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2618704014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4075 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4076 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4077 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4078 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4079 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,380%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">04.05.2026<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps466 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2773068676<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4081 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4082 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4083 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4084 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,125%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">27.02.2031<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps473 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS1551294926<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4085 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4086 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4087 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4088 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4089 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,750%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">18.01.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps478 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS1637329639<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4090 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4091 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4092 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4093 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4094 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">27.06.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps484 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2013520023<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4098 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4099 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,625%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">19.06.2034<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps489 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2049584084<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4102 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4103 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4104 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4105 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4106 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,375%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps493 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">03.09.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps659 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2058855441<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4107 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4108 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4109 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4110 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4111 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">02.10.2029<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps665 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2259776230<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4112 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4113 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4114 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4115 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4116 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps671 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">19.11.2035<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps672 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2106563161<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4117 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4118 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4119 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4121 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps677 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">21.01.2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps678 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2320539765<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4123 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4126 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,375%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">25.03.2041<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps683 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2340854848<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4128 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4130 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps689 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">12.05.2031<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2351073098<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4132 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3748 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,038%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">06.09.2036<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2380748439<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4142 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">03.09.2029<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4144 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2429205540<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4146 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4148 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,250%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">12.01.2032<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2531479462<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4152 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4154 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4156 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">4,130%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">18.01.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1702 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2642546399<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4159 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4161 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,034%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1705 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">28.06.2030<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1706 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2851605886<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4163 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4164 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4165 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4167 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,125%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1708 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">10.03.2029<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss269\"><div><div class=\"ps1717 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2981978989<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4169 ss73\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4171 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4173 ss269\"><div><div class=\"ps1717 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,500%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">21.01.2032<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4175 ss269\"><div><div class=\"ps1717 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS3170898723<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4176 ss73\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4177 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4179 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4180 ss269\"><div><div class=\"ps1717 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,375%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4181 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">09.02.2033<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss270\"><div><div class=\"ps2027 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2707629056<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4186 ss95\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4183\">Erg\u00e4nzungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4184\">kapital \u2013 </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4185\">Tier II</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4187 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4188 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">400<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4189 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4190 ss270\"><div><div class=\"ps2027 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">6,750%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4191 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">24.02.2034<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4192 ss270\"><div><div class=\"ps2027 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2997361485<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4193 ss95\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4183\">Erg\u00e4nzungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4184\">kapital \u2013 </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4185\">Tier II</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4194 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4195 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4196 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4197 ss270\"><div><div class=\"ps2027 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">4,125%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4198 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">07.05.2025<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4199 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps36\">AT0000A31L43<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4200 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4201 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4204 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-b27625d4 ps4202\">200</span><span class=\"f charStyle-8e2bfe67 ps4203\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4205 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4206 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,750%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4207 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">10.02.2026<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"13\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps4209 ss271\"><div><div class=\"ps4208 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">1 Davon 6\u00a0Mio.\u00a0\u20ac zur\u00fcckgekauft.</span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps1632\">27 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2852\">Restlaufzeiten Verbindlichkeiten</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die folgenden Tabellen zeigen die Aufgliederung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">finanziellen Verbindlichkeiten (exkl. Derivaten) nach deren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:106.97pt\">vertraglicher Restlaufzeit:</span></div><div class=\"ps4242 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten \u2013 Gliederung nach Restlaufzeiten 2025</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4212\">t\u00e4glich f\u00e4llig<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4213\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4214\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4215\">3 Monate bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4216\">1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps4220\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4012 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4013 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4016 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4017 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4020 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4021 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4022 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2764 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2765 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1839 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4221 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">40.399<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4222 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.800<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4223 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.293<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4224 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.108<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.767<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2767 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4225 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">65<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4226 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4227 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">374<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2260 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">263<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2261 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">812<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps884 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4229 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4230 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4231 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.042<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4232 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">8.709<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4233 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.948<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4234 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.713<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1094 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4235 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4236 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4237 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">431<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">254<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4238 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4239 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">305<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4240 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1099 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1100 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">470<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1101 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.130<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps751 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4241 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">40.464<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.225<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.435<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">10.913<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">8.725<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">65.762<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4244 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten \u2013 Gliederung nach Restlaufzeiten 2024</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4212\">t\u00e4glich f\u00e4llig<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4213\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4214\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4215\">3 Monate bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4216\">1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4243\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4012 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4013 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">31<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4016 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4017 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4020 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4021 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4022 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2764 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1839 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4221 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4222 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.555<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4223 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4224 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.152<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.779<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2767 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4225 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4226 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">506<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4227 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2260 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">641<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps884 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4229 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4230 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4231 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4232 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.704<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4233 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.665<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4234 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.280<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1094 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4235 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4236 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4237 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">201<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">422<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">631<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4238 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4239 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4240 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">73<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1099 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">493<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1100 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">478<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1101 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps751 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4241 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">36.215<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.564<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.489<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">9.848<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">9.593<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">64.709<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps2895\">Sicherungsderivate</span><div class=\"ps4406 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"background-color:#ffffff;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss144\"><div><div class=\"ps840 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4397 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate in Fair-Value-Hedge-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Beziehungen</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:1pt solid #9b0000;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps704 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Positiver Marktwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2896 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">257<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2897 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">315<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2475 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Negativer Marktwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps3934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">52<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3935 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">56<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2801 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate in Cashflow-Hedge-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Beziehungen</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Positiver Marktwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4398 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4399 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Negativer Marktwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">40<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">226<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2677 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate in Net-Investment-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Hedge-Beziehungen</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4400 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Positiver Marktwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4401 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4402 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4403 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Negativer Marktwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4404 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4405 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Fair-Value-Hedge</span></div><div class=\"ps3833 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"padding:0\"><div class=\"ps278 ss281\"><div><div class=\"ps4408 ss261\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps2044 ss282\"><div><div class=\"ps2027 ss263\"><span class=\"f charStyle-37455c2a ps4409\">Nominale der gesicherten <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss263\"><span class=\"f charStyle-37455c2a ps4410\">Grundgesch\u00e4fte</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps284 ss282\"><div><div class=\"ps2027 ss263\"><span class=\"f charStyle-37455c2a ps4411\">Netto-Buchwerte der <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss263\"><span class=\"f charStyle-37455c2a ps4412\">Sicherungsgesch\u00e4fte</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss282\"><div><div class=\"ps40 ss263\"><span class=\"f charStyle-37455c2a ps4413\">Im Gesch\u00e4ftsjahr <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss263\"><span class=\"f charStyle-37455c2a ps4414\">erfolgswirksam erfasstes </span></div><div class=\"ps2027 ss263\"><span class=\"f charStyle-37455c2a ps4415\">Ergebnis von Grund- und </span></div><div class=\"ps2029 ss263\"><span class=\"f charStyle-37455c2a ps4416\">Sicherungsgesch\u00e4ft</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps854 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4417 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4418 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4419 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4420 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4421 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4422 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3040 ss283\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">beizulegenden Zeitwert bewertete finanzielle </span></div><div class=\"ps2567 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4423 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-36b68314 ps772\">1.068<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4424 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.340<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4425 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-36b68314 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4426 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4427 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-36b68314 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4428 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-0b080fec ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2349 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4429 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.068<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4430 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.340<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4431 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4432 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2351 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2352 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3732 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Zu fortgef\u00fchrten Anschaffungskosten bewertete <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Finanzinstrumente</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4433 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps684\">42.772<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4434 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps684\">41.641<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4435 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps622\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4436 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps622\">259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4437 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps708\">-37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4438 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps708\">-75<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps736 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4439 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.312<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4440 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.056<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps738 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps739 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1718 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Eigene Emissionen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4441 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">9.137<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4442 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">11.876<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4443 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps1719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps708\">-59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1722 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">13.474<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">14.296<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">235<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4448 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">281<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps708\">-15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3640 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-66<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1723 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">18.849<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">14.413<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps708\">-22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4453 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps1724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1726 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4454 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">43.840<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4455 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">42.981<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4456 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4457 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps1727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps708\">-36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-74<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4458 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Bewertung von Grund- und Sicherungsgesch\u00e4ften wird in</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4459 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Gewinn- und Verlustrechnung in der Position \u201eGewinne</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4460 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und Verluste aus finanziellen Verm\u00f6genswerten und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4461 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:111.85pt\">Schulden\u201c (Note 5) erfasst.</span></div><div class=\"ps4458 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Cashflow-Hedge</span></div><div class=\"ps4459 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Die Perioden, in denen die abgesicherten Cashflows</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4460 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">voraussichtlich eintreten und die Gewinn- und</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps4461 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:221.11pt\">Verlustrechnung beeinflussen werden, sind wie folgt:</span></div><div class=\"ps4465 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4462\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4463\">1 bis 5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4464\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps1092 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">787<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.274<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps772\">8.673<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4466 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4462\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4463\">1 bis 5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4464\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps1092 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.427<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.133<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.988<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">9.548<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4467 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Zeitliches Profil f\u00fcr die Nominalbetr\u00e4ge der Sicherungsinstrumente:</span></div><div class=\"ps4468 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4462\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4463\">1 bis 5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4464\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">340<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.221<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.966<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps772\">6.527<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4469 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4462\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4463\">1 bis 5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4464\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps1092 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.200<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.448<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.725<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">8.373<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Angabe gem\u00e4\u00df IFRS 7.24B a)</span></div><div class=\"ps3833 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:213.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss285\"><div><div class=\"ps1091 ss284\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4472 ss286\"><div><div class=\"ps624 ss151\"><span class=\"f charStyle-37455c2a ps4470\">Mikro-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps4471\">Absicherung</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4477 ss288\"><div><div class=\"ps4474 ss287\"><span class=\"f charStyle-37455c2a ps4473\">Sicherungsbedingte Anpassungen bei Mikro-<span class=\"f ps37\"> </span></span></div><div class=\"ps4476 ss287\"><span class=\"f charStyle-37455c2a ps4475\">Absicherung</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss289\"><div><div class=\"ps281 ss248\"><span class=\"f charStyle-37455c2a ps4478\">Makro-Absicherung<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss290\"><div><div class=\"ps4480 ss284\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps4481 ss284\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4482 ss291\"><div><div class=\"ps2033 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4489 ss292\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps4483\">Im Buchwert der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps4484\">Verm\u00f6genswerte/</span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps4485\">Verbindlichkeiten </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps4486\">enthaltene </span></div><div class=\"ps2031 ss248\"><span class=\"f charStyle-37455c2a ps4487\">sicherungsbedingte </span></div><div class=\"ps2033 ss248\"><span class=\"f charStyle-37455c2a ps4488\">Anpassungen</span></div></div></div></td><td style=\"border-top:1pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss292\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps3795\">\u00dcbrige Anpassungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps4490\">f\u00fcr beendete Mikro-</span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps3435\">Absicherungen, </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps4491\">einschlie\u00dflich </span></div><div class=\"ps2031 ss248\"><span class=\"f charStyle-37455c2a ps4492\">Absicherungen von </span></div><div class=\"ps2033 ss248\"><span class=\"f charStyle-37455c2a ps4493\">Nettopositionen</span></div></div></div></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4498 ss292\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps4494\">Gesicherte <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps3394\">Grundgesch\u00e4fte im </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps4495\">Rahmen der </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps4496\">Absicherung eines </span></div><div class=\"ps2031 ss248\"><span class=\"f charStyle-37455c2a ps4497\">Portfolios gegen </span></div><div class=\"ps2033 ss248\"><span class=\"f charStyle-37455c2a ps1341\">Zins\u00e4nderungsrisiken</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps866 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-7ff22fcd ps36\">VERM\u00d6GENSWERTE<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2349 ss294\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verm\u00f6genswerte, die erfolgsneutral zum <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss284\"><span class=\"f charStyle-37455c2a ps36\">beizulegenden Zeitwert im sonstigen Ergebnis bewertet <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss284\"><span class=\"f charStyle-37455c2a ps36\">werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4499 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzbezogen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4500 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.097<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4502 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4501\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4504 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4503\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4506 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4249 ss285\"><div><div class=\"ps624 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss284\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzbezogen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4507 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.119<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4509 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4508\">-378<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps491 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4510\">-94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4512 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4511\">12.470<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-7ff22fcd ps36\">VERBINDLICHKEITEN<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps500 ss285\"><div><div class=\"ps624 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss284\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps672 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzbezogen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4513 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">9.053<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4514 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4508\">-455<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps674 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4508\">-181<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4515 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4511\">18.575<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4516 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:213.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss285\"><div><div class=\"ps1091 ss284\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4472 ss286\"><div><div class=\"ps624 ss151\"><span class=\"f charStyle-37455c2a ps4470\">Mikro-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps4471\">Absicherung</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4477 ss288\"><div><div class=\"ps4474 ss287\"><span class=\"f charStyle-37455c2a ps4473\">Sicherungsbedingte Anpassungen bei Mikro-<span class=\"f ps37\"> </span></span></div><div class=\"ps4476 ss287\"><span class=\"f charStyle-37455c2a ps4475\">Absicherung</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss289\"><div><div class=\"ps281 ss248\"><span class=\"f charStyle-37455c2a ps4478\">Makro-Absicherung<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss290\"><div><div class=\"ps4480 ss284\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps4481 ss284\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4482 ss291\"><div><div class=\"ps2033 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4489 ss292\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps4483\">Im Buchwert der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps4484\">Verm\u00f6genswerte/</span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps4485\">Verbindlichkeiten </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps4486\">enthaltene </span></div><div class=\"ps2031 ss248\"><span class=\"f charStyle-37455c2a ps4487\">sicherungsbedingte </span></div><div class=\"ps2033 ss248\"><span class=\"f charStyle-37455c2a ps4488\">Anpassungen</span></div></div></div></td><td style=\"border-top:1pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss292\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps3795\">\u00dcbrige Anpassungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps4490\">f\u00fcr beendete Mikro-</span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps3435\">Absicherungen, </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps4491\">einschlie\u00dflich </span></div><div class=\"ps2031 ss248\"><span class=\"f charStyle-37455c2a ps4492\">Absicherungen von </span></div><div class=\"ps2033 ss248\"><span class=\"f charStyle-37455c2a ps4493\">Nettopositionen</span></div></div></div></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4498 ss292\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps4494\">Gesicherte <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps3394\">Grundgesch\u00e4fte im </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps4495\">Rahmen der </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps4496\">Absicherung eines </span></div><div class=\"ps2031 ss248\"><span class=\"f charStyle-37455c2a ps4497\">Portfolios gegen </span></div><div class=\"ps2033 ss248\"><span class=\"f charStyle-37455c2a ps1341\">Zins\u00e4nderungsrisiken</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps866 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-7ff22fcd ps36\">VERM\u00d6GENSWERTE<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2349 ss294\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verm\u00f6genswerte, die erfolgsneutral zum <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss284\"><span class=\"f charStyle-37455c2a ps36\">beizulegenden Zeitwert im sonstigen Ergebnis bewertet <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss284\"><span class=\"f charStyle-37455c2a ps36\">werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4499 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzbezogen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4500 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.371<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4502 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4501\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4504 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4503\">28<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4506 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4249 ss285\"><div><div class=\"ps624 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss284\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzbezogen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4507 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.057<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4509 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4508\">-265<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps491 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4510\">-17<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4512 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4511\">13.128<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-7ff22fcd ps36\">VERBINDLICHKEITEN<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps500 ss285\"><div><div class=\"ps624 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss284\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps672 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzbezogen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4513 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">11.836<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4514 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4508\">-534<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps674 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4508\">-121<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4515 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4511\">14.031<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:312pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:72pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:72pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Gesicherte Grundgesch\u00e4fte von Cashflow-Hedges</span></div></div></div></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss296\"><div><div class=\"ps4480 ss295\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps4481 ss295\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps4523 ss297\"><div><div class=\"ps40 ss221\"><span class=\"f charStyle-37455c2a ps4518\">Fair-Value-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss221\"><span class=\"f charStyle-37455c2a ps4519\">\u00c4nderung, f\u00fcr </span></div><div class=\"ps2027 ss221\"><span class=\"f charStyle-37455c2a ps626\">Messung der </span></div><div class=\"ps2029 ss221\"><span class=\"f charStyle-37455c2a ps4520\">Ineffektivit\u00e4t </span></div><div class=\"ps2031 ss221\"><span class=\"f charStyle-37455c2a ps4521\">verwendet <span class=\"f ps37\"> </span></span></div><div class=\"ps2033 ss221\"><span class=\"f charStyle-37455c2a ps4522\">(Periode)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps4528 ss299\"><div><div class=\"ps1717 ss298\"><span class=\"f charStyle-37455c2a ps3310\">Cashflow-Hedge-<span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss298\"><span class=\"f charStyle-37455c2a ps4524\">R\u00fccklage </span></div><div class=\"ps2029 ss298\"><span class=\"f charStyle-37455c2a ps4525\">bestehender </span></div><div class=\"ps2031 ss298\"><span class=\"f charStyle-37455c2a ps4526\">Sicherungsbezie-</span></div><div class=\"ps2033 ss298\"><span class=\"f charStyle-37455c2a ps4527\">hungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps4530 ss299\"><div><div class=\"ps1717 ss298\"><span class=\"f charStyle-37455c2a ps3310\">Cashflow-Hedge-<span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss298\"><span class=\"f charStyle-37455c2a ps4524\">R\u00fccklage </span></div><div class=\"ps2029 ss298\"><span class=\"f charStyle-37455c2a ps4529\">beendeter </span></div><div class=\"ps2031 ss298\"><span class=\"f charStyle-37455c2a ps4526\">Sicherungsbezie-</span></div><div class=\"ps2033 ss298\"><span class=\"f charStyle-37455c2a ps4527\">hungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2341 ss300\"><div><div class=\"ps291 ss295\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsrisiko<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4532 ss225\"><div><div class=\"ps291 ss221\"><span class=\"f charStyle-71900c34 ps4531\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4534 ss301\"><div><div class=\"ps291 ss298\"><span class=\"f charStyle-71900c34 ps4533\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4536 ss301\"><div><div class=\"ps291 ss298\"><span class=\"f charStyle-71900c34 ps4535\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4553 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:308.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:71.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:71.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:71.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss303\"><div><div class=\"ps4480 ss302\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps4481 ss302\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4541 ss305\"><div><div class=\"ps40 ss304\"><span class=\"f charStyle-37455c2a ps4537\">Fair-Value-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss304\"><span class=\"f charStyle-37455c2a ps1806\">\u00c4nderung, f\u00fcr </span></div><div class=\"ps2027 ss304\"><span class=\"f charStyle-37455c2a ps2061\">Messung der </span></div><div class=\"ps2029 ss304\"><span class=\"f charStyle-37455c2a ps4538\">Ineffektivit\u00e4t </span></div><div class=\"ps2031 ss304\"><span class=\"f charStyle-37455c2a ps4539\">verwendet <span class=\"f ps37\"> </span></span></div><div class=\"ps2033 ss304\"><span class=\"f charStyle-37455c2a ps4540\">(Periode)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4545 ss305\"><div><div class=\"ps1717 ss304\"><span class=\"f charStyle-37455c2a ps4542\">Cashflow-Hedge-<span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss304\"><span class=\"f charStyle-37455c2a ps4543\">R\u00fccklage </span></div><div class=\"ps2029 ss304\"><span class=\"f charStyle-37455c2a ps4100\">bestehender </span></div><div class=\"ps2031 ss304\"><span class=\"f charStyle-37455c2a ps4487\">Sicherungsbezie-</span></div><div class=\"ps2033 ss304\"><span class=\"f charStyle-37455c2a ps4544\">hungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4547 ss305\"><div><div class=\"ps1717 ss304\"><span class=\"f charStyle-37455c2a ps4542\">Cashflow-Hedge-<span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss304\"><span class=\"f charStyle-37455c2a ps4543\">R\u00fccklage </span></div><div class=\"ps2029 ss304\"><span class=\"f charStyle-37455c2a ps4546\">beendeter </span></div><div class=\"ps2031 ss304\"><span class=\"f charStyle-37455c2a ps4487\">Sicherungsbezie-</span></div><div class=\"ps2033 ss304\"><span class=\"f charStyle-37455c2a ps4544\">hungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2341 ss306\"><div><div class=\"ps291 ss302\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsrisiko<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4549 ss307\"><div><div class=\"ps291 ss304\"><span class=\"f charStyle-cc1eb9a4 ps4548\">-44<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4550 ss307\"><div><div class=\"ps291 ss304\"><span class=\"f charStyle-cc1eb9a4 ps4548\">-68<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4552 ss307\"><div><div class=\"ps291 ss304\"><span class=\"f charStyle-cc1eb9a4 ps4551\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4573 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:97.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss140\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Gesicherte Grundgesch\u00e4fte von Net-Investment-Hedges<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:66.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss309\"><div><div class=\"ps4554 ss308\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps4555 ss308\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps4562 ss310\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-7d6328be ps4556\">Fair-Value-<span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-7d6328be ps4557\">\u00c4nderung, f\u00fcr </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-7d6328be ps4558\">Messung der </span></div><div class=\"ps2031 ss20\"><span class=\"f charStyle-7d6328be ps4559\">Ineffektivit\u00e4t </span></div><div class=\"ps2033 ss20\"><span class=\"f charStyle-7d6328be ps4560\">verwendet <span class=\"f ps37\"> </span></span></div><div class=\"ps2035 ss20\"><span class=\"f charStyle-7d6328be ps4561\">(Periode)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps4568 ss310\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps4563\">Net-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4564\">Investment-</span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1793\">Hedge-</span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps1794\">R\u00fccklage </span></div><div class=\"ps2031 ss20\"><span class=\"f charStyle-37455c2a ps4565\">bestehender </span></div><div class=\"ps2033 ss20\"><span class=\"f charStyle-37455c2a ps4566\">Sicherungs-</span></div><div class=\"ps2035 ss20\"><span class=\"f charStyle-37455c2a ps4567\">beziehungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2841 ss310\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps4563\">Net-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4564\">Investment-</span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1793\">Hedge-</span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps1794\">R\u00fccklage </span></div><div class=\"ps2031 ss20\"><span class=\"f charStyle-37455c2a ps4569\">beendeter </span></div><div class=\"ps2033 ss20\"><span class=\"f charStyle-37455c2a ps4566\">Sicherungs-</span></div><div class=\"ps2035 ss20\"><span class=\"f charStyle-37455c2a ps4567\">beziehungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3333 ss311\"><div><div class=\"ps291 ss308\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsrisiko<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4570 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4571 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4572 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4577 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:90.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:66.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss313\"><div><div class=\"ps4554 ss312\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps4555 ss312\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4574 ss310\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-7d6328be ps4556\">Fair-Value-<span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-7d6328be ps4557\">\u00c4nderung, f\u00fcr </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-7d6328be ps4558\">Messung der </span></div><div class=\"ps2031 ss20\"><span class=\"f charStyle-7d6328be ps4559\">Ineffektivit\u00e4t </span></div><div class=\"ps2033 ss20\"><span class=\"f charStyle-7d6328be ps4560\">verwendet <span class=\"f ps37\"> </span></span></div><div class=\"ps2035 ss20\"><span class=\"f charStyle-7d6328be ps4561\">(Periode)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2840 ss310\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps4563\">Net-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4564\">Investment-</span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1793\">Hedge-</span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps1794\">R\u00fccklage </span></div><div class=\"ps2031 ss20\"><span class=\"f charStyle-37455c2a ps4565\">bestehender </span></div><div class=\"ps2033 ss20\"><span class=\"f charStyle-37455c2a ps4566\">Sicherungs-</span></div><div class=\"ps2035 ss20\"><span class=\"f charStyle-37455c2a ps4567\">beziehungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss310\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps4563\">Net-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4564\">Investment-</span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1793\">Hedge-</span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps1794\">R\u00fccklage </span></div><div class=\"ps2031 ss20\"><span class=\"f charStyle-37455c2a ps4569\">beendeter </span></div><div class=\"ps2033 ss20\"><span class=\"f charStyle-37455c2a ps4566\">Sicherungs-</span></div><div class=\"ps2035 ss20\"><span class=\"f charStyle-37455c2a ps4567\">beziehungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3333 ss314\"><div><div class=\"ps291 ss312\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsrisiko<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4575 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4576 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4572 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps2852\">Saldierung von finanziellen </span><div class=\"ps6297 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Verm\u00f6genswerten und finanziellen </span></div><div class=\"ps6298 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Verbindlichkeiten</span></div><div class=\"ps6299 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die BAWAG schlie\u00dft gem\u00e4\u00df den Globalnettingvereinbarungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6300 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">(Rahmenvertrag) der International Swaps and Derivatives</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6301 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Association (ISDA) Derivategesch\u00e4fte ab. Grunds\u00e4tzlich werden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6302 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">die Betr\u00e4ge, die gem\u00e4\u00df solchen Vereinbarungen von jeder</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6303 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Gegenpartei an einem einzigen Tag im Hinblick auf alle</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps6304 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">ausstehenden Transaktionen in der gleichen W\u00e4hrung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6305 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">geschuldet werden, zu einem einzigen Nettobetrag</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6306 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zusammengefasst, der von einer Partei an die andere zu</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zahlen ist. In bestimmten F\u00e4llen \u2013 zum Beispiel wenn ein</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kreditereignis wie ein Verzug eintritt \u2013 werden alle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">ausstehenden Transaktionen unter der Vereinbarung beendet,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">der Wert zur Beendigung wird ermittelt und es ist nur ein</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">einziger Nettobetrag zum Ausgleich aller Transaktionen zu</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:29.72pt\">zahlen.</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die ISDA-Vereinbarungen erf\u00fcllen die Kriterien f\u00fcr die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Saldierung in der Bilanz nicht. Dies liegt daran, dass die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">BAWAG zum gegenw\u00e4rtigen Zeitpunkt keinerlei</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Rechtsanspruch auf die Saldierung der erfassten Betr\u00e4ge hat,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">da das Recht auf eine Saldierung nur beim Eintritt k\u00fcnftiger</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ereignisse, wie zum Beispiel einem Verzug bei den</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Bankdarlehen oder anderen Kreditereignissen, durchsetzbar</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:12.46pt\">ist.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Repo- und Reverse-Repo-Transaktionen unterliegen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Globalnettingvereinbarungen, deren Saldierungsbedingungen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:230.66pt\">\u00e4hnlich denen in ISDA Master Netting Agreements sind.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die nachfolgenden Tabellen beinhalten finanzielle</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:228.15pt\">Verm\u00f6genswerte und finanzielle Verbindlichkeiten, die</span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:191.69pt\">in der Bilanz der BAWAG saldiert werden oder</span></div><div class=\"ps1558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">durchsetzbaren Globalnettingvereinbarungen und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">\u00e4hnlichen Vereinbarungen unterliegen, unabh\u00e4ngig davon,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:148.09pt\">ob sie in der Bilanz saldiert werden.</span></div><div class=\"ps6353 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verm\u00f6genswerte</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss432\"><div><div class=\"ps1091 ss399\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps5948 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3309 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3312 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps3132 ss433\"><div><div class=\"ps624 ss392\"><span class=\"f charStyle-37455c2a ps5400\">Betr\u00e4ge, die in der Bilanz nicht <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss392\"><span class=\"f charStyle-37455c2a ps6308\">saldiert wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3028 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss434\"><div><div class=\"ps6309 ss399\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps6310 ss399\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6319 ss435\"><div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps3872\">Bruttobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps4727\">Verm\u00f6gens-</span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6315\">werten in der </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6317\">Bilanz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6324 ss435\"><div><div class=\"ps6320 ss151\"><span class=\"f charStyle-37455c2a ps3872\">Bruttobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6321\">Verbindlich-</span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps6077\">keiten in der </span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6322\">Bilanz, die </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6323\">saldiert wurden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6326 ss435\"><div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps6325\">Nettobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps4727\">Verm\u00f6gens-</span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6315\">werten in der </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6317\">Bilanz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6327 ss435\"><div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps3138\">Finanz-<span class=\"f ps37\"> </span></span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6329 ss435\"><div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6328\">Erhaltene <span class=\"f ps37\"> </span></span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6323\">Barsicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6331 ss435\"><div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6330\">Nettobetrag<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps454 ss436\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Derivate <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss399\"><span class=\"f charStyle-37455c2a ps36\">(exkl. Sicherungsderivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6332 ss437\"><div><div class=\"ps2566 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">947<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3509 ss437\"><div><div class=\"ps2566 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">838<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3510 ss437\"><div><div class=\"ps2566 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3511 ss437\"><div><div class=\"ps2566 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">51<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3512 ss437\"><div><div class=\"ps2566 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">53<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6333 ss437\"><div><div class=\"ps2566 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2677 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.374<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.017<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">357<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">172<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6338 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">182<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2683 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Kredite und Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">44<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6343 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6344 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6345 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">26<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2689 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6347 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps6346\">2.365<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6348 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps6346\">1.873<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6349 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">492<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6350 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6351 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">235<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6352 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">34<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6372 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verm\u00f6genswerte</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss432\"><div><div class=\"ps1091 ss399\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps5948 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3309 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3312 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps3132 ss433\"><div><div class=\"ps624 ss392\"><span class=\"f charStyle-37455c2a ps5400\">Betr\u00e4ge, die in der Bilanz nicht <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss392\"><span class=\"f charStyle-37455c2a ps6308\">saldiert wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3028 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss434\"><div><div class=\"ps6309 ss399\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps6310 ss399\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6319 ss435\"><div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps3872\">Bruttobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps4727\">Verm\u00f6gens-</span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6315\">werten in der </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6317\">Bilanz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6324 ss435\"><div><div class=\"ps6320 ss151\"><span class=\"f charStyle-37455c2a ps3872\">Bruttobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6321\">Verbindlich-</span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps6077\">keiten in der </span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6322\">Bilanz, die </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6323\">saldiert wurden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6326 ss435\"><div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps6325\">Nettobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps4727\">Verm\u00f6gens-</span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6315\">werten in der </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6317\">Bilanz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6327 ss435\"><div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps3138\">Finanz-<span class=\"f ps37\"> </span></span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6329 ss435\"><div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6328\">Erhaltene <span class=\"f ps37\"> </span></span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6323\">Barsicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6331 ss435\"><div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6330\">Nettobetrag<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps454 ss432\"><div><div class=\"ps624 ss399\"><span class=\"f charStyle-37455c2a ps36\">Derivate <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss399\"><span class=\"f charStyle-37455c2a ps36\">(exkl. Sicherungsderivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6332 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.107<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3509 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">792<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3510 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">315<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3511 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3512 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">303<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6333 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps326 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6354 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6355 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.119<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6356 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">331<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6357 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6358 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">306<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6359 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps631 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Kredite und Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6360 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">131<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6361 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6362 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">31<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6363 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6364 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6365 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">31<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps636 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6366 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps6346\">2.688<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6367 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps6346\">2.011<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6368 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">677<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6369 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">28<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6370 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">609<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6371 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">40<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps797 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss432\"><div><div class=\"ps1091 ss399\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps5948 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3309 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3312 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps3132 ss433\"><div><div class=\"ps624 ss392\"><span class=\"f charStyle-37455c2a ps5400\">Betr\u00e4ge, die in der Bilanz nicht <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss392\"><span class=\"f charStyle-37455c2a ps6308\">saldiert wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3028 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss434\"><div><div class=\"ps6309 ss399\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps6310 ss399\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6319 ss435\"><div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps3872\">Bruttobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps6321\">Verbindlich-</span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6077\">keiten in der </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6317\">Bilanz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6324 ss435\"><div><div class=\"ps6320 ss151\"><span class=\"f charStyle-37455c2a ps3872\">Bruttobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps4727\">Verm\u00f6gens-</span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps6315\">werten in der </span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6322\">Bilanz, die </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6323\">saldiert wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6326 ss435\"><div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps6325\">Nettobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps6321\">Verbindlich-</span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6077\">keiten in der </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6317\">Bilanz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6327 ss435\"><div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps3138\">Finanz-<span class=\"f ps37\"> </span></span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6329 ss435\"><div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps3435\">Geleistete <span class=\"f ps37\"> </span></span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6323\">Barsicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6331 ss435\"><div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6330\">Nettobetrag<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps454 ss432\"><div><div class=\"ps624 ss399\"><span class=\"f charStyle-37455c2a ps36\">Derivate <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss399\"><span class=\"f charStyle-37455c2a ps36\">(exkl. Sicherungsderivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6332 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.147<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3509 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">697<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3510 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3511 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3512 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">282<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6333 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps326 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6354 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">899<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6355 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">808<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6356 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6357 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">67<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6358 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6359 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps631 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Repo-Transaktionen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6360 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6361 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6362 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6363 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6364 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6365 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps636 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Kundeneinlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6366 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6367 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6368 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6369 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6370 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6371 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps641 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6373 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps6346\">2.064<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6374 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps6346\">1.523<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6375 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">541<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6376 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">222<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6377 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">303<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6378 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">16<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6379 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss432\"><div><div class=\"ps1091 ss399\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps5948 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3309 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3312 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps3132 ss433\"><div><div class=\"ps624 ss392\"><span class=\"f charStyle-37455c2a ps5400\">Betr\u00e4ge, die in der Bilanz nicht <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss392\"><span class=\"f charStyle-37455c2a ps6308\">saldiert wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3028 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss434\"><div><div class=\"ps6309 ss399\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps6310 ss399\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6319 ss435\"><div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps3872\">Bruttobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps6321\">Verbindlich-</span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6077\">keiten in der </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6317\">Bilanz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6324 ss435\"><div><div class=\"ps6320 ss151\"><span class=\"f charStyle-37455c2a ps3872\">Bruttobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps4727\">Verm\u00f6gens-</span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps6315\">werten in der </span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6322\">Bilanz, die </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6323\">saldiert wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6326 ss435\"><div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps6325\">Nettobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps6321\">Verbindlich-</span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6077\">keiten in der </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6317\">Bilanz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6327 ss435\"><div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps3138\">Finanz-<span class=\"f ps37\"> </span></span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6329 ss435\"><div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps3435\">Geleistete <span class=\"f ps37\"> </span></span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6323\">Barsicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6331 ss435\"><div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6330\">Nettobetrag<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps454 ss432\"><div><div class=\"ps624 ss399\"><span class=\"f charStyle-37455c2a ps36\">Derivate <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss399\"><span class=\"f charStyle-37455c2a ps36\">(exkl. Sicherungsderivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps6332 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.095<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3509 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">642<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3510 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">453<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3511 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">72<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3512 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">365<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps6333 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps326 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6354 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.440<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6355 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6356 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">291<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6357 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">64<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6358 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">221<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6359 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps631 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Repo-Transaktionen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6360 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6361 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6362 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6363 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6364 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6365 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps636 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Kundeneinlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6366 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6367 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6368 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6369 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6370 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6371 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps641 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6373 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps6346\">2.635<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6374 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps6346\">1.891<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6375 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">744<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6376 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6377 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">586<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6378 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">22<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die nachfolgenden Tabellen leiten die Nettobetr\u00e4ge von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-612049ed ps2\" style=\"width:262.05pt\">finanziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:206.36pt\">in der Bilanz auf die jeweilige Bilanzposition \u00fcber:</span></div><div class=\"ps3127 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:140.25pt\"></td><td style=\"padding:0;width:219.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"8\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verm\u00f6genswerte</span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss439\"><div><div class=\"ps5210 ss438\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss438\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6380 ss441\"><div><div class=\"ps1792 ss440\"><span class=\"f charStyle-37455c2a ps36\">Bilanzposition<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3606 ss443\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6381\">Buchwert der <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4730\">Bilanzposition</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6384 ss443\"><div><div class=\"ps624 ss442\"><span class=\"f charStyle-37455c2a ps6382\">davon ohne <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6383\">Saldierungs-</span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4620\">vereinbarung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6386 ss443\"><div><div class=\"ps624 ss442\"><span class=\"f charStyle-37455c2a ps6385\">davon mit <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6383\">Saldierungs-</span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4620\">vereinbarung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss444\"><div><div class=\"ps624 ss438\"><span class=\"f charStyle-37455c2a ps36\">Derivate <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss438\"><span class=\"f charStyle-37455c2a ps36\">(exkl. Sicherungsderivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6387 ss445\"><div><div class=\"ps281 ss440\"><span class=\"f charStyle-37455c2a ps36\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6389 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6391 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6392 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">109<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2885 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6393 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6394 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">357<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6395 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6396 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">357<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5542 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Kredite und Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6397 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Kredite und Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6398 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps5453\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6399 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps5453\">50.723<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6401 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6400\">26<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5549 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6402 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps618\">51.215<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6403 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps618\">50.723<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6404 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps6388\">492<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6407 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:140.25pt\"></td><td style=\"padding:0;width:219.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss450\"><div><div class=\"ps276 ss438\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss439\"><div><div class=\"ps5210 ss438\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss438\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6380 ss441\"><div><div class=\"ps1792 ss440\"><span class=\"f charStyle-37455c2a ps36\">Bilanzposition<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3606 ss443\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6381\">Buchwert der <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4730\">Bilanzposition</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6384 ss443\"><div><div class=\"ps624 ss442\"><span class=\"f charStyle-37455c2a ps6382\">davon ohne <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6383\">Saldierungs-</span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4620\">vereinbarung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6386 ss443\"><div><div class=\"ps624 ss442\"><span class=\"f charStyle-37455c2a ps6385\">davon mit <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6383\">Saldierungs-</span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4620\">vereinbarung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss444\"><div><div class=\"ps624 ss438\"><span class=\"f charStyle-37455c2a ps36\">Derivate <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss438\"><span class=\"f charStyle-37455c2a ps36\">(exkl. Sicherungsderivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6387 ss445\"><div><div class=\"ps281 ss440\"><span class=\"f charStyle-37455c2a ps36\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6389 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">315<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6391 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6392 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">315<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2885 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6393 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6394 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">331<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6395 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6396 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">331<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5542 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Kredite und Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6397 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Kredite und Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6398 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps5453\">45.496<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6399 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps5453\">45.465<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6401 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6400\">31<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5549 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6406 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-36825deb ps6405\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6402 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps618\">46.142<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6403 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps618\">45.465<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6404 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps6388\">677<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6413 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:140.25pt\"></td><td style=\"padding:0;width:219.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss450\"><div><div class=\"ps276 ss438\"><span class=\"f charStyle-9f85f029 ps36\">Finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss439\"><div><div class=\"ps5210 ss438\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss438\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6380 ss441\"><div><div class=\"ps1792 ss440\"><span class=\"f charStyle-37455c2a ps36\">Bilanzposition<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3606 ss443\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6381\">Buchwert der <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4730\">Bilanzposition</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6384 ss443\"><div><div class=\"ps624 ss442\"><span class=\"f charStyle-37455c2a ps6382\">davon ohne <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6383\">Saldierungs-</span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4620\">vereinbarung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6386 ss443\"><div><div class=\"ps624 ss442\"><span class=\"f charStyle-37455c2a ps6385\">davon mit <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6383\">Saldierungs-</span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4620\">vereinbarung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss444\"><div><div class=\"ps624 ss438\"><span class=\"f charStyle-37455c2a ps36\">Derivate <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss438\"><span class=\"f charStyle-37455c2a ps36\">(exkl. Sicherungsderivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps6387 ss445\"><div><div class=\"ps281 ss440\"><span class=\"f charStyle-37455c2a ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps6389 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps6391 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps6392 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">450<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2885 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6393 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6394 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6400\">91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6395 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6396 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6400\">91<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5542 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Repo-Transaktionen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6397 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verbindlichkeiten aus Verm\u00f6gens\u00fcbertragungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6398 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6399 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6401 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5549 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Kundeneinlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6406 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6402 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps5453\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6403 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps5453\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6404 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6408 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6409 ss448\"><div><div class=\"ps1092 ss440\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6410 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps618\">47.908<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6411 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps618\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6412 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps6388\">541<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6414 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:140.25pt\"></td><td style=\"padding:0;width:219.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"8\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten</span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss439\"><div><div class=\"ps5210 ss438\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss438\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6380 ss441\"><div><div class=\"ps1792 ss440\"><span class=\"f charStyle-37455c2a ps36\">Bilanzposition<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3606 ss443\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6381\">Buchwert der <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4730\">Bilanzposition</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6384 ss443\"><div><div class=\"ps624 ss442\"><span class=\"f charStyle-37455c2a ps6382\">davon ohne <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6383\">Saldierungs-</span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4620\">vereinbarung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6386 ss443\"><div><div class=\"ps624 ss442\"><span class=\"f charStyle-37455c2a ps6385\">davon mit <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6383\">Saldierungs-</span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4620\">vereinbarung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss444\"><div><div class=\"ps624 ss438\"><span class=\"f charStyle-37455c2a ps36\">Derivate <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss438\"><span class=\"f charStyle-37455c2a ps36\">(exkl. Sicherungsderivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6387 ss445\"><div><div class=\"ps281 ss440\"><span class=\"f charStyle-37455c2a ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6389 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">453<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6391 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6392 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">453<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2885 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6393 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6394 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">291<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6395 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6396 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">291<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5542 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Repo-Transaktionen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6397 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verbindlichkeiten aus Verm\u00f6gens\u00fcbertragungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6398 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6399 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6401 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5549 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Kundeneinlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6406 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6402 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps5453\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6403 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps5453\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6404 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6408 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6409 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-9208d16a ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6410 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps618\">46.914<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6411 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps618\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6412 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps6388\">744<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><span class=\"f charStyle-b1e544a7 ps2852\">Derivative Finanztransaktionen</span><div class=\"ps1179 ss0\"><div class=\"ss464 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:132.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"14\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss470\"><div><div class=\"ps276 ss469\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6601 ss471\"><div><div class=\"ps276 ss399\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"7\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6604 ss473\"><div><div class=\"ps900 ss472\"><span class=\"f charStyle-c5fdbd46 ps6602\">Nominalbetr\u00e4ge/Restlaufzeit</span><span class=\"f charStyle-88cee56f ps6603\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6607 ss474\"><div><div class=\"ps900 ss263\"><span class=\"f charStyle-c5fdbd46 ps6605\">Marktwerte</span><span class=\"f charStyle-88cee56f ps6606\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps844 ss475\"><div><div class=\"ps6608 ss469\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps4269 ss469\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6609 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4462\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6610 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6611 ss73\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6612 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-584de24a ps4220\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6614 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps6613\">Positiv<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6616 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps6615\">Negativ<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6617 ss477\"><div><div class=\"ps291 ss476\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6618 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">19.167<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6619 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">30.740<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6620 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">35.331<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6621 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">85.239<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6622 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">369<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6623 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-486<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3029 ss478\"><div><div class=\"ps291 ss469\"><span class=\"f charStyle-37455c2a ps36\">davon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6624 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Zinsswaps Bankbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6625 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">19.001<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6626 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">30.575<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6627 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">35.205<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6628 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">84.781<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6629 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">369<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6630 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-483<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6631 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzoptionen Bankbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6632 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6633 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">165<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6634 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">126<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6635 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">458<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6636 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6637 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6638 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Zinsswaps Handelsbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6639 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6640 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6641 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6642 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6643 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6644 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6645 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzoptionen Handelsbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6646 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6647 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6648 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4499 ss477\"><div><div class=\"ps291 ss476\"><span class=\"f charStyle-7ff22fcd ps36\">Wechselkursvertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.702<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6654 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">11.522<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-47<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4249 ss478\"><div><div class=\"ps291 ss469\"><span class=\"f charStyle-37455c2a ps36\">davon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6658 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsswaps Bankbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">712<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">7.733<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-31<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6665 ss432\"><div><div class=\"ps624 ss399\"><span class=\"f charStyle-37455c2a ps36\">Devisentermine und Optionen <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss399\"><span class=\"f charStyle-37455c2a ps36\">Bankbuch</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6666 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.990<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6667 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">799<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6668 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6669 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.789<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6670 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">53<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6671 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6672 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsswaps Handelsbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6677 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6679 ss432\"><div><div class=\"ps624 ss399\"><span class=\"f charStyle-37455c2a ps36\">Devisentermine und Optionen <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss399\"><span class=\"f charStyle-37455c2a ps36\">Handelsbuch</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6680 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6681 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6682 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6683 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6684 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6685 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps771 ss477\"><div><div class=\"ps291 ss476\"><span class=\"f charStyle-7ff22fcd ps36\">Wertpapierbezogene Gesch\u00e4fte und sonstige Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">209<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6689 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">350<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1763 ss475\"><div><div class=\"ps1717 ss469\"><span class=\"f charStyle-37455c2a ps36\">davon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6692 ss479\"><div><div class=\"ps40 ss399\"><span class=\"f charStyle-37455c2a ps36\">wertpapierbezogene und sonstige <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss399\"><span class=\"f charStyle-37455c2a ps36\">Derivate Bankbuch</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6693 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6694 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">209<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6695 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6696 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps622\">350<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6697 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6698 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6699 ss478\"><div><div class=\"ps291 ss469\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">22.874<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">35.561<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">38.674<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">97.111<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">467<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6705 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-541<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6706 ss478\"><div><div class=\"ps291 ss469\"><span class=\"f charStyle-37455c2a ps36\">davon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6707 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Bankbuchgesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6708 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">22.874<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6709 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">35.561<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">38.674<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">97.111<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">467<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-541<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6714 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Handelsbuchgesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6715 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6716 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6717 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6720 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"14\" style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6721 ss480\"><div><div class=\"ps4208 ss464\"><span class=\"f charStyle-5ee25b5a ps36\">1 In den Derivaten Bankbuch sind Derivate in Fair-Value-Hedge-Beziehungen, Cashflow-Hedge-Beziehungen und Net-Investment-Hedge-Beziehungen enthalten.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6722 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die obige Tabelle enth\u00e4lt folgende Betr\u00e4ge f\u00fcr Fair-Value-</span></div><div class=\"ps6723 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:229.78pt\">Hedges, Cashflow-Hedges und Net-Investment-Hedges:</span></div><div class=\"ps6755 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:117pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:49.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"14\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss481\"><div><div class=\"ps1091 ss101\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps3794 ss124\"><div><div class=\"ps1091 ss119\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"7\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6725 ss483\"><div><div class=\"ps281 ss482\"><span class=\"f charStyle-37455c2a ps6724\">Nominalbetr\u00e4ge/Restlaufzeit<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps1896\">Marktwerte<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss484\"><div><div class=\"ps6608 ss101\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps4269 ss101\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6726 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4462\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6727 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6728 ss486\"><div><div class=\"ps40 ss485\"><span class=\"f charStyle-37455c2a ps467\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss485\"><span class=\"f charStyle-37455c2a ps5465\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-584de24a ps4220\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps6613\">Positiv<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps6615\">Negativ<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3720 ss481\"><div><div class=\"ps281 ss101\"><span class=\"f charStyle-37455c2a ps36\">Zinsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6729 ss124\"><div><div class=\"ps624 ss119\"><span class=\"f charStyle-37455c2a ps36\">Fair-Value-Hedge \u2013 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss119\"><span class=\"f charStyle-37455c2a ps36\">Zinsrisiko</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6730 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.552<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6731 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">18.450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6733 ss487\"><div><div class=\"ps281 ss485\"><span class=\"f charStyle-cc1eb9a4 ps6732\">18.397<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps5139 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps619\">44.399<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5140 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">257<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5141 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-52<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2888 ss481\"><div><div class=\"ps281 ss101\"><span class=\"f charStyle-37455c2a ps36\">Wechselkursvertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6734 ss124\"><div><div class=\"ps624 ss119\"><span class=\"f charStyle-37455c2a ps36\">Cashflow-Hedge \u2013 FX-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss119\"><span class=\"f charStyle-37455c2a ps36\">Risiko</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6735 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">615<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6736 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.001<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6738 ss487\"><div><div class=\"ps281 ss485\"><span class=\"f charStyle-cc1eb9a4 ps6737\">2.966<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6739 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">7.582<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6740 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3622 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-40<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3215 ss481\"><div><div class=\"ps281 ss101\"><span class=\"f charStyle-37455c2a ps36\">Wechselkursvertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6741 ss124\"><div><div class=\"ps624 ss119\"><span class=\"f charStyle-37455c2a ps36\">Net-Investment-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss119\"><span class=\"f charStyle-37455c2a ps36\">Hedge \u2013 FX-Risiko</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6742 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6743 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6745 ss487\"><div><div class=\"ps281 ss485\"><span class=\"f charStyle-cc1eb9a4 ps6744\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6529 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6746 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6747 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3555 ss488\"><div><div class=\"ps291 ss101\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6748 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">8.433<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6749 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">22.451<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6751 ss489\"><div><div class=\"ps291 ss485\"><span class=\"f charStyle-0b080fec ps6750\">21.363<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">52.247<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">358<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-91<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Derivative Finanztransaktionen zum 31. Dezember 2024</span></div><div class=\"ps3833 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:144.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"14\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss490\"><div><div class=\"ps1091 ss319\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6757 ss492\"><div><div class=\"ps1091 ss491\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"7\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6760 ss494\"><div><div class=\"ps281 ss493\"><span class=\"f charStyle-c5fdbd46 ps6758\">Nominalbetr\u00e4ge/Restlaufzeit</span><span class=\"f charStyle-88cee56f ps6759\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps6605\">Marktwerte</span><span class=\"f charStyle-88cee56f ps6606\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss326\"><div><div class=\"ps6608 ss319\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps4269 ss319\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6762 ss495\"><div><div class=\"ps1717 ss47\"><span class=\"f charStyle-37455c2a ps6761\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps295 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps296 ss73\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4243\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps6613\">Positiv<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps6615\">Negativ<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3720 ss497\"><div><div class=\"ps291 ss496\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6763 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-0b080fec ps5953\">21.093<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5137 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">31.552<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">35.502<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">88.146<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">614<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-439<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5142 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-37455c2a ps36\">davon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6764 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">Zinsswaps Bankbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6766 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6765\">21.083<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5143 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">31.245<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5144 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">35.296<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5145 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">87.623<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5146 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">613<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5147 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-432<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6767 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzoptionen Bankbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6769 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6768\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5149 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">307<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">206<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">523<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5152 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6770 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">Zinsswaps Handelsbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6772 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6771\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4430 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4431 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4432 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2351 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2352 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6773 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzoptionen Handelsbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6774 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6771\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4434 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4435 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4436 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4437 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4438 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps5164 ss497\"><div><div class=\"ps291 ss496\"><span class=\"f charStyle-7ff22fcd ps36\">Wechselkursvertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps6775 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-0b080fec ps3344\">3.959<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps5165 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps5166 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.724<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps5167 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">11.274<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps5168 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps5169 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-298<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4291 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-37455c2a ps36\">davon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6776 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsswaps Bankbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6777 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps4630\">1.083<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5566 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.936<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5567 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.715<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5568 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.734<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5569 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5570 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-227<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6778 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">Devisentermine und Optionen Bankbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6779 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps4630\">2.876<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5573 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">654<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5574 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5575 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.540<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5576 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5577 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-71<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6780 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsswaps Handelsbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6781 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6771\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2107 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2108 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2109 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2110 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2111 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6783 ss499\" style=\"overflow:hidden\"><div><div class=\"ps6782 ss491\"><span class=\"f charStyle-37455c2a ps36\">Devisentermine und Optionen <span class=\"f ps37\"> </span></span></div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">Handelsbuch</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6784 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6771\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6785 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps757 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2784 ss497\"><div><div class=\"ps291 ss496\"><span class=\"f charStyle-7ff22fcd ps36\">Wertpapierbezogene Gesch\u00e4fte und sonstige Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6786 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-0b080fec ps6768\">48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6787 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">175<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">243<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">466<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2785 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2786 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2787 ss490\"><div><div class=\"ps281 ss319\"><span class=\"f charStyle-37455c2a ps36\">davon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6790 ss492\"><div><div class=\"ps624 ss491\"><span class=\"f charStyle-37455c2a ps36\">wertpapierbezogene und sonstige <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss491\"><span class=\"f charStyle-37455c2a ps36\">Derivate Bankbuch</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6791 ss52\"><div><div class=\"ps281 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6768\">48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6792 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">175<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6793 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">243<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6794 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">466<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2788 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2789 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3663 ss497\"><div><div class=\"ps291 ss496\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6795 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-0b080fec ps5953\">25.100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6796 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">36.317<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6797 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">38.469<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6798 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">99.886<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6799 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">647<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-745<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3667 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-37455c2a ps36\">davon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6800 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">Bankbuchgesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6801 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6765\">25.100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6802 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.317<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6803 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">38.469<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6804 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">99.886<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6805 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">647<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-745<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6806 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">Handelsbuchgesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6807 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6771\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6808 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6809 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6810 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6811 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"14\" style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3675 ss271\"><div><div class=\"ps4208 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">1 In den Derivaten Bankbuch sind Derivate in Fair-Value-Hedge-Beziehungen und Cashflow-Hedge-Beziehungen enthalten.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6812 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die obige Tabelle enth\u00e4lt folgende Betr\u00e4ge f\u00fcr Fair-Value-</span></div><div class=\"ps6813 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.79pt\">Hedges und Cashflow-Hedges:</span></div><div class=\"ps6854 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:121.5pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"14\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss501\"><div><div class=\"ps1091 ss500\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6814 ss124\"><div><div class=\"ps1091 ss119\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"7\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6816 ss503\"><div><div class=\"ps281 ss502\"><span class=\"f charStyle-37455c2a ps6815\">Nominalbetr\u00e4ge/Restlaufzeit<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps1896\">Marktwerte<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:26.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss504\"><div><div class=\"ps5229 ss500\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps6817 ss500\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6819 ss505\"><div><div class=\"ps6818 ss20\"><span class=\"f charStyle-37455c2a ps4462\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6820 ss505\"><div><div class=\"ps6818 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6824 ss506\"><div><div class=\"ps6822 ss44\"><span class=\"f charStyle-37455c2a ps6821\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps6818 ss44\"><span class=\"f charStyle-37455c2a ps6823\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss505\"><div><div class=\"ps6818 ss20\"><span class=\"f charStyle-37455c2a ps4243\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss505\"><div><div class=\"ps6818 ss20\"><span class=\"f charStyle-37455c2a ps6613\">Positiv<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss505\"><div><div class=\"ps6818 ss20\"><span class=\"f charStyle-37455c2a ps6615\">Negativ<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5264 ss501\"><div><div class=\"ps281 ss500\"><span class=\"f charStyle-37455c2a ps36\">Zinsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6825 ss124\"><div><div class=\"ps624 ss119\"><span class=\"f charStyle-37455c2a ps36\">Fair-Value-Hedge \u2013 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss119\"><span class=\"f charStyle-37455c2a ps36\">Zinsrisiko</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6826 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.451<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6827 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.951<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6829 ss51\"><div><div class=\"ps281 ss44\"><span class=\"f charStyle-cc1eb9a4 ps6828\">19.040<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6519 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">46.442<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6830 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">315<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6831 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-56<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3333 ss501\"><div><div class=\"ps281 ss500\"><span class=\"f charStyle-37455c2a ps36\">Wechselkursvertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6832 ss124\"><div><div class=\"ps624 ss119\"><span class=\"f charStyle-37455c2a ps36\">Cashflow-Hedge \u2013 FX-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss119\"><span class=\"f charStyle-37455c2a ps36\">Risiko</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6833 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.200<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6834 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.448<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6835 ss51\"><div><div class=\"ps281 ss44\"><span class=\"f charStyle-cc1eb9a4 ps2028\">2.725<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6836 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">8.373<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6837 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6838 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-226<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6839 ss501\"><div><div class=\"ps281 ss500\"><span class=\"f charStyle-37455c2a ps36\">Wechselkursvertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6840 ss124\"><div><div class=\"ps624 ss119\"><span class=\"f charStyle-37455c2a ps36\">Net-Investment-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss119\"><span class=\"f charStyle-37455c2a ps36\">Hedge \u2013 FX-Risiko</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6842 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6843 ss51\"><div><div class=\"ps281 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5482\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6844 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6845 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6846 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3464 ss507\"><div><div class=\"ps291 ss500\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6847 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">10.871<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6848 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">22.399<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6850 ss378\"><div><div class=\"ps291 ss44\"><span class=\"f charStyle-0b080fec ps6849\">21.765<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6851 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">55.035<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6852 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">331<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6853 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-291<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-720": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Handelsaktiva</span><div class=\"ps1179 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Derivate des Bankbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">316<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">W\u00e4hrungsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Zinsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">305<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">316<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialAssetsHeldForTradingExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-719": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Handelsaktiva</span><div class=\"ps1179 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Derivate des Bankbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">316<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">W\u00e4hrungsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Zinsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">305<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">316<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps2895\">Handelspassiva</span><div class=\"ps3982 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Derivate des Bankbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">W\u00e4hrungsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">44<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Zinsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">432<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">405<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Kreditderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialInstrumentsHeldForTradingExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-718": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Handelsaktiva</span><div class=\"ps1179 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Derivate des Bankbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">316<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">W\u00e4hrungsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Zinsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">305<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">316<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps2895\">Handelspassiva</span><div class=\"ps3982 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Derivate des Bankbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">W\u00e4hrungsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">44<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Zinsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">432<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">405<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Kreditderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps2895\">Sicherungsderivate</span><div class=\"ps4406 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"background-color:#ffffff;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss144\"><div><div class=\"ps840 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4397 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate in Fair-Value-Hedge-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Beziehungen</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:1pt solid #9b0000;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps704 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Positiver Marktwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2896 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">257<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2897 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">315<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2475 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Negativer Marktwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps3934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">52<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3935 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">56<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2801 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate in Cashflow-Hedge-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Beziehungen</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Positiver Marktwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4398 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4399 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Negativer Marktwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">40<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">226<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2677 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate in Net-Investment-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Hedge-Beziehungen</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4400 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Positiver Marktwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4401 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4402 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4403 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Negativer Marktwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4404 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4405 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Fair-Value-Hedge</span></div><div class=\"ps3833 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"padding:0\"><div class=\"ps278 ss281\"><div><div class=\"ps4408 ss261\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps2044 ss282\"><div><div class=\"ps2027 ss263\"><span class=\"f charStyle-37455c2a ps4409\">Nominale der gesicherten <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss263\"><span class=\"f charStyle-37455c2a ps4410\">Grundgesch\u00e4fte</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps284 ss282\"><div><div class=\"ps2027 ss263\"><span class=\"f charStyle-37455c2a ps4411\">Netto-Buchwerte der <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss263\"><span class=\"f charStyle-37455c2a ps4412\">Sicherungsgesch\u00e4fte</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss282\"><div><div class=\"ps40 ss263\"><span class=\"f charStyle-37455c2a ps4413\">Im Gesch\u00e4ftsjahr <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss263\"><span class=\"f charStyle-37455c2a ps4414\">erfolgswirksam erfasstes </span></div><div class=\"ps2027 ss263\"><span class=\"f charStyle-37455c2a ps4415\">Ergebnis von Grund- und </span></div><div class=\"ps2029 ss263\"><span class=\"f charStyle-37455c2a ps4416\">Sicherungsgesch\u00e4ft</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps854 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4417 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4418 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4419 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4420 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4421 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4422 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3040 ss283\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">beizulegenden Zeitwert bewertete finanzielle </span></div><div class=\"ps2567 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4423 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-36b68314 ps772\">1.068<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4424 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.340<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4425 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-36b68314 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4426 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4427 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-36b68314 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4428 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-0b080fec ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2349 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4429 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.068<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4430 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.340<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4431 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4432 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2351 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2352 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3732 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Zu fortgef\u00fchrten Anschaffungskosten bewertete <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Finanzinstrumente</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4433 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps684\">42.772<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4434 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps684\">41.641<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4435 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps622\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4436 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps622\">259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4437 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps708\">-37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4438 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps708\">-75<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps736 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4439 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.312<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4440 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.056<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps738 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps739 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1718 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Eigene Emissionen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4441 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">9.137<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4442 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">11.876<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4443 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps1719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps708\">-59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1722 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">13.474<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">14.296<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">235<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4448 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">281<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps708\">-15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3640 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-66<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1723 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">18.849<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">14.413<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps708\">-22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4453 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps1724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1726 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4454 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">43.840<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4455 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">42.981<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4456 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4457 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps1727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps708\">-36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-74<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4458 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Bewertung von Grund- und Sicherungsgesch\u00e4ften wird in</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4459 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Gewinn- und Verlustrechnung in der Position \u201eGewinne</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4460 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und Verluste aus finanziellen Verm\u00f6genswerten und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4461 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:111.85pt\">Schulden\u201c (Note 5) erfasst.</span></div><div class=\"ps4458 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Cashflow-Hedge</span></div><div class=\"ps4459 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Die Perioden, in denen die abgesicherten Cashflows</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4460 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">voraussichtlich eintreten und die Gewinn- und</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps4461 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:221.11pt\">Verlustrechnung beeinflussen werden, sind wie folgt:</span></div><div class=\"ps4465 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4462\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4463\">1 bis 5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4464\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps1092 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">787<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.274<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps772\">8.673<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4466 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4462\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4463\">1 bis 5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4464\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps1092 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.427<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.133<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.988<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">9.548<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4467 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Zeitliches Profil f\u00fcr die Nominalbetr\u00e4ge der Sicherungsinstrumente:</span></div><div class=\"ps4468 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4462\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4463\">1 bis 5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4464\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">340<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.221<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.966<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps772\">6.527<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4469 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4462\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4463\">1 bis 5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4464\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps1092 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.200<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.448<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.725<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">8.373<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Angabe gem\u00e4\u00df IFRS 7.24B a)</span></div><div class=\"ps3833 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:213.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss285\"><div><div class=\"ps1091 ss284\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4472 ss286\"><div><div class=\"ps624 ss151\"><span class=\"f charStyle-37455c2a ps4470\">Mikro-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps4471\">Absicherung</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4477 ss288\"><div><div class=\"ps4474 ss287\"><span class=\"f charStyle-37455c2a ps4473\">Sicherungsbedingte Anpassungen bei Mikro-<span class=\"f ps37\"> </span></span></div><div class=\"ps4476 ss287\"><span class=\"f charStyle-37455c2a ps4475\">Absicherung</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss289\"><div><div class=\"ps281 ss248\"><span class=\"f charStyle-37455c2a ps4478\">Makro-Absicherung<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss290\"><div><div class=\"ps4480 ss284\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps4481 ss284\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4482 ss291\"><div><div class=\"ps2033 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4489 ss292\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps4483\">Im Buchwert der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps4484\">Verm\u00f6genswerte/</span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps4485\">Verbindlichkeiten </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps4486\">enthaltene </span></div><div class=\"ps2031 ss248\"><span class=\"f charStyle-37455c2a ps4487\">sicherungsbedingte </span></div><div class=\"ps2033 ss248\"><span class=\"f charStyle-37455c2a ps4488\">Anpassungen</span></div></div></div></td><td style=\"border-top:1pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss292\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps3795\">\u00dcbrige Anpassungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps4490\">f\u00fcr beendete Mikro-</span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps3435\">Absicherungen, </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps4491\">einschlie\u00dflich </span></div><div class=\"ps2031 ss248\"><span class=\"f charStyle-37455c2a ps4492\">Absicherungen von </span></div><div class=\"ps2033 ss248\"><span class=\"f charStyle-37455c2a ps4493\">Nettopositionen</span></div></div></div></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4498 ss292\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps4494\">Gesicherte <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps3394\">Grundgesch\u00e4fte im </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps4495\">Rahmen der </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps4496\">Absicherung eines </span></div><div class=\"ps2031 ss248\"><span class=\"f charStyle-37455c2a ps4497\">Portfolios gegen </span></div><div class=\"ps2033 ss248\"><span class=\"f charStyle-37455c2a ps1341\">Zins\u00e4nderungsrisiken</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps866 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-7ff22fcd ps36\">VERM\u00d6GENSWERTE<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2349 ss294\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verm\u00f6genswerte, die erfolgsneutral zum <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss284\"><span class=\"f charStyle-37455c2a ps36\">beizulegenden Zeitwert im sonstigen Ergebnis bewertet <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss284\"><span class=\"f charStyle-37455c2a ps36\">werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4499 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzbezogen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4500 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.097<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4502 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4501\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4504 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4503\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4506 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4249 ss285\"><div><div class=\"ps624 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss284\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzbezogen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4507 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.119<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4509 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4508\">-378<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps491 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4510\">-94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4512 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4511\">12.470<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-7ff22fcd ps36\">VERBINDLICHKEITEN<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps500 ss285\"><div><div class=\"ps624 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss284\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps672 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzbezogen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4513 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">9.053<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4514 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4508\">-455<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps674 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4508\">-181<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4515 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4511\">18.575<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4516 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:213.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss285\"><div><div class=\"ps1091 ss284\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4472 ss286\"><div><div class=\"ps624 ss151\"><span class=\"f charStyle-37455c2a ps4470\">Mikro-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps4471\">Absicherung</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4477 ss288\"><div><div class=\"ps4474 ss287\"><span class=\"f charStyle-37455c2a ps4473\">Sicherungsbedingte Anpassungen bei Mikro-<span class=\"f ps37\"> </span></span></div><div class=\"ps4476 ss287\"><span class=\"f charStyle-37455c2a ps4475\">Absicherung</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss289\"><div><div class=\"ps281 ss248\"><span class=\"f charStyle-37455c2a ps4478\">Makro-Absicherung<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss290\"><div><div class=\"ps4480 ss284\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps4481 ss284\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4482 ss291\"><div><div class=\"ps2033 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4489 ss292\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps4483\">Im Buchwert der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps4484\">Verm\u00f6genswerte/</span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps4485\">Verbindlichkeiten </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps4486\">enthaltene </span></div><div class=\"ps2031 ss248\"><span class=\"f charStyle-37455c2a ps4487\">sicherungsbedingte </span></div><div class=\"ps2033 ss248\"><span class=\"f charStyle-37455c2a ps4488\">Anpassungen</span></div></div></div></td><td style=\"border-top:1pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss292\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps3795\">\u00dcbrige Anpassungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps4490\">f\u00fcr beendete Mikro-</span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps3435\">Absicherungen, </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps4491\">einschlie\u00dflich </span></div><div class=\"ps2031 ss248\"><span class=\"f charStyle-37455c2a ps4492\">Absicherungen von </span></div><div class=\"ps2033 ss248\"><span class=\"f charStyle-37455c2a ps4493\">Nettopositionen</span></div></div></div></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4498 ss292\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps4494\">Gesicherte <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps3394\">Grundgesch\u00e4fte im </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps4495\">Rahmen der </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps4496\">Absicherung eines </span></div><div class=\"ps2031 ss248\"><span class=\"f charStyle-37455c2a ps4497\">Portfolios gegen </span></div><div class=\"ps2033 ss248\"><span class=\"f charStyle-37455c2a ps1341\">Zins\u00e4nderungsrisiken</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps866 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-7ff22fcd ps36\">VERM\u00d6GENSWERTE<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2349 ss294\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verm\u00f6genswerte, die erfolgsneutral zum <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss284\"><span class=\"f charStyle-37455c2a ps36\">beizulegenden Zeitwert im sonstigen Ergebnis bewertet <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss284\"><span class=\"f charStyle-37455c2a ps36\">werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4499 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzbezogen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4500 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.371<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4502 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4501\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4504 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4503\">28<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4506 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4249 ss285\"><div><div class=\"ps624 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss284\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzbezogen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4507 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.057<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4509 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4508\">-265<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps491 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4510\">-17<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4512 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4511\">13.128<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-7ff22fcd ps36\">VERBINDLICHKEITEN<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps500 ss285\"><div><div class=\"ps624 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss284\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps672 ss293\"><div><div class=\"ps291 ss284\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzbezogen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4513 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">11.836<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4514 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4508\">-534<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps674 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4508\">-121<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4515 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4511\">14.031<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:312pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:72pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:72pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Gesicherte Grundgesch\u00e4fte von Cashflow-Hedges</span></div></div></div></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss296\"><div><div class=\"ps4480 ss295\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps4481 ss295\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps4523 ss297\"><div><div class=\"ps40 ss221\"><span class=\"f charStyle-37455c2a ps4518\">Fair-Value-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss221\"><span class=\"f charStyle-37455c2a ps4519\">\u00c4nderung, f\u00fcr </span></div><div class=\"ps2027 ss221\"><span class=\"f charStyle-37455c2a ps626\">Messung der </span></div><div class=\"ps2029 ss221\"><span class=\"f charStyle-37455c2a ps4520\">Ineffektivit\u00e4t </span></div><div class=\"ps2031 ss221\"><span class=\"f charStyle-37455c2a ps4521\">verwendet <span class=\"f ps37\"> </span></span></div><div class=\"ps2033 ss221\"><span class=\"f charStyle-37455c2a ps4522\">(Periode)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps4528 ss299\"><div><div class=\"ps1717 ss298\"><span class=\"f charStyle-37455c2a ps3310\">Cashflow-Hedge-<span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss298\"><span class=\"f charStyle-37455c2a ps4524\">R\u00fccklage </span></div><div class=\"ps2029 ss298\"><span class=\"f charStyle-37455c2a ps4525\">bestehender </span></div><div class=\"ps2031 ss298\"><span class=\"f charStyle-37455c2a ps4526\">Sicherungsbezie-</span></div><div class=\"ps2033 ss298\"><span class=\"f charStyle-37455c2a ps4527\">hungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps4530 ss299\"><div><div class=\"ps1717 ss298\"><span class=\"f charStyle-37455c2a ps3310\">Cashflow-Hedge-<span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss298\"><span class=\"f charStyle-37455c2a ps4524\">R\u00fccklage </span></div><div class=\"ps2029 ss298\"><span class=\"f charStyle-37455c2a ps4529\">beendeter </span></div><div class=\"ps2031 ss298\"><span class=\"f charStyle-37455c2a ps4526\">Sicherungsbezie-</span></div><div class=\"ps2033 ss298\"><span class=\"f charStyle-37455c2a ps4527\">hungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2341 ss300\"><div><div class=\"ps291 ss295\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsrisiko<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4532 ss225\"><div><div class=\"ps291 ss221\"><span class=\"f charStyle-71900c34 ps4531\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4534 ss301\"><div><div class=\"ps291 ss298\"><span class=\"f charStyle-71900c34 ps4533\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4536 ss301\"><div><div class=\"ps291 ss298\"><span class=\"f charStyle-71900c34 ps4535\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4553 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:308.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:71.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:71.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:71.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss303\"><div><div class=\"ps4480 ss302\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps4481 ss302\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4541 ss305\"><div><div class=\"ps40 ss304\"><span class=\"f charStyle-37455c2a ps4537\">Fair-Value-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss304\"><span class=\"f charStyle-37455c2a ps1806\">\u00c4nderung, f\u00fcr </span></div><div class=\"ps2027 ss304\"><span class=\"f charStyle-37455c2a ps2061\">Messung der </span></div><div class=\"ps2029 ss304\"><span class=\"f charStyle-37455c2a ps4538\">Ineffektivit\u00e4t </span></div><div class=\"ps2031 ss304\"><span class=\"f charStyle-37455c2a ps4539\">verwendet <span class=\"f ps37\"> </span></span></div><div class=\"ps2033 ss304\"><span class=\"f charStyle-37455c2a ps4540\">(Periode)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4545 ss305\"><div><div class=\"ps1717 ss304\"><span class=\"f charStyle-37455c2a ps4542\">Cashflow-Hedge-<span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss304\"><span class=\"f charStyle-37455c2a ps4543\">R\u00fccklage </span></div><div class=\"ps2029 ss304\"><span class=\"f charStyle-37455c2a ps4100\">bestehender </span></div><div class=\"ps2031 ss304\"><span class=\"f charStyle-37455c2a ps4487\">Sicherungsbezie-</span></div><div class=\"ps2033 ss304\"><span class=\"f charStyle-37455c2a ps4544\">hungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4547 ss305\"><div><div class=\"ps1717 ss304\"><span class=\"f charStyle-37455c2a ps4542\">Cashflow-Hedge-<span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss304\"><span class=\"f charStyle-37455c2a ps4543\">R\u00fccklage </span></div><div class=\"ps2029 ss304\"><span class=\"f charStyle-37455c2a ps4546\">beendeter </span></div><div class=\"ps2031 ss304\"><span class=\"f charStyle-37455c2a ps4487\">Sicherungsbezie-</span></div><div class=\"ps2033 ss304\"><span class=\"f charStyle-37455c2a ps4544\">hungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2341 ss306\"><div><div class=\"ps291 ss302\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsrisiko<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4549 ss307\"><div><div class=\"ps291 ss304\"><span class=\"f charStyle-cc1eb9a4 ps4548\">-44<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4550 ss307\"><div><div class=\"ps291 ss304\"><span class=\"f charStyle-cc1eb9a4 ps4548\">-68<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4552 ss307\"><div><div class=\"ps291 ss304\"><span class=\"f charStyle-cc1eb9a4 ps4551\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4573 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:97.5pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss140\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Gesicherte Grundgesch\u00e4fte von Net-Investment-Hedges<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:66.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss309\"><div><div class=\"ps4554 ss308\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps4555 ss308\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps4562 ss310\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-7d6328be ps4556\">Fair-Value-<span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-7d6328be ps4557\">\u00c4nderung, f\u00fcr </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-7d6328be ps4558\">Messung der </span></div><div class=\"ps2031 ss20\"><span class=\"f charStyle-7d6328be ps4559\">Ineffektivit\u00e4t </span></div><div class=\"ps2033 ss20\"><span class=\"f charStyle-7d6328be ps4560\">verwendet <span class=\"f ps37\"> </span></span></div><div class=\"ps2035 ss20\"><span class=\"f charStyle-7d6328be ps4561\">(Periode)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps4568 ss310\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps4563\">Net-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4564\">Investment-</span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1793\">Hedge-</span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps1794\">R\u00fccklage </span></div><div class=\"ps2031 ss20\"><span class=\"f charStyle-37455c2a ps4565\">bestehender </span></div><div class=\"ps2033 ss20\"><span class=\"f charStyle-37455c2a ps4566\">Sicherungs-</span></div><div class=\"ps2035 ss20\"><span class=\"f charStyle-37455c2a ps4567\">beziehungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2841 ss310\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps4563\">Net-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4564\">Investment-</span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1793\">Hedge-</span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps1794\">R\u00fccklage </span></div><div class=\"ps2031 ss20\"><span class=\"f charStyle-37455c2a ps4569\">beendeter </span></div><div class=\"ps2033 ss20\"><span class=\"f charStyle-37455c2a ps4566\">Sicherungs-</span></div><div class=\"ps2035 ss20\"><span class=\"f charStyle-37455c2a ps4567\">beziehungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3333 ss311\"><div><div class=\"ps291 ss308\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsrisiko<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4570 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4571 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4572 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4577 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:90.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:66.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss313\"><div><div class=\"ps4554 ss312\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps4555 ss312\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4574 ss310\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-7d6328be ps4556\">Fair-Value-<span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-7d6328be ps4557\">\u00c4nderung, f\u00fcr </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-7d6328be ps4558\">Messung der </span></div><div class=\"ps2031 ss20\"><span class=\"f charStyle-7d6328be ps4559\">Ineffektivit\u00e4t </span></div><div class=\"ps2033 ss20\"><span class=\"f charStyle-7d6328be ps4560\">verwendet <span class=\"f ps37\"> </span></span></div><div class=\"ps2035 ss20\"><span class=\"f charStyle-7d6328be ps4561\">(Periode)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2840 ss310\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps4563\">Net-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4564\">Investment-</span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1793\">Hedge-</span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps1794\">R\u00fccklage </span></div><div class=\"ps2031 ss20\"><span class=\"f charStyle-37455c2a ps4565\">bestehender </span></div><div class=\"ps2033 ss20\"><span class=\"f charStyle-37455c2a ps4566\">Sicherungs-</span></div><div class=\"ps2035 ss20\"><span class=\"f charStyle-37455c2a ps4567\">beziehungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss310\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps4563\">Net-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4564\">Investment-</span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1793\">Hedge-</span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps1794\">R\u00fccklage </span></div><div class=\"ps2031 ss20\"><span class=\"f charStyle-37455c2a ps4569\">beendeter </span></div><div class=\"ps2033 ss20\"><span class=\"f charStyle-37455c2a ps4566\">Sicherungs-</span></div><div class=\"ps2035 ss20\"><span class=\"f charStyle-37455c2a ps4567\">beziehungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3333 ss314\"><div><div class=\"ps291 ss312\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsrisiko<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4575 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4576 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4572 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps2852\">Derivative Finanztransaktionen</span><div class=\"ps1179 ss0\"><div class=\"ss464 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:60.75pt\"></td><td style=\"padding:0;width:132.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"14\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss470\"><div><div class=\"ps276 ss469\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6601 ss471\"><div><div class=\"ps276 ss399\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"7\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6604 ss473\"><div><div class=\"ps900 ss472\"><span class=\"f charStyle-c5fdbd46 ps6602\">Nominalbetr\u00e4ge/Restlaufzeit</span><span class=\"f charStyle-88cee56f ps6603\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6607 ss474\"><div><div class=\"ps900 ss263\"><span class=\"f charStyle-c5fdbd46 ps6605\">Marktwerte</span><span class=\"f charStyle-88cee56f ps6606\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps844 ss475\"><div><div class=\"ps6608 ss469\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps4269 ss469\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6609 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4462\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6610 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6611 ss73\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6612 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-584de24a ps4220\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6614 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps6613\">Positiv<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6616 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps6615\">Negativ<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6617 ss477\"><div><div class=\"ps291 ss476\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6618 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">19.167<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6619 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">30.740<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6620 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">35.331<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6621 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">85.239<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6622 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">369<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6623 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-486<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3029 ss478\"><div><div class=\"ps291 ss469\"><span class=\"f charStyle-37455c2a ps36\">davon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6624 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Zinsswaps Bankbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6625 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">19.001<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6626 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">30.575<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6627 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">35.205<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6628 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">84.781<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6629 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">369<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6630 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-483<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6631 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzoptionen Bankbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6632 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6633 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">165<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6634 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">126<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6635 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">458<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6636 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6637 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6638 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Zinsswaps Handelsbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6639 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6640 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6641 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6642 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6643 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6644 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6645 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzoptionen Handelsbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6646 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6647 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6648 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4499 ss477\"><div><div class=\"ps291 ss476\"><span class=\"f charStyle-7ff22fcd ps36\">Wechselkursvertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.702<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6654 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">11.522<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-47<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4249 ss478\"><div><div class=\"ps291 ss469\"><span class=\"f charStyle-37455c2a ps36\">davon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6658 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsswaps Bankbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">712<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">7.733<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-31<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6665 ss432\"><div><div class=\"ps624 ss399\"><span class=\"f charStyle-37455c2a ps36\">Devisentermine und Optionen <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss399\"><span class=\"f charStyle-37455c2a ps36\">Bankbuch</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6666 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.990<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6667 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">799<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6668 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6669 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.789<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6670 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">53<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6671 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6672 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsswaps Handelsbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6677 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6679 ss432\"><div><div class=\"ps624 ss399\"><span class=\"f charStyle-37455c2a ps36\">Devisentermine und Optionen <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss399\"><span class=\"f charStyle-37455c2a ps36\">Handelsbuch</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6680 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6681 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6682 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6683 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6684 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6685 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps771 ss477\"><div><div class=\"ps291 ss476\"><span class=\"f charStyle-7ff22fcd ps36\">Wertpapierbezogene Gesch\u00e4fte und sonstige Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">209<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6689 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">350<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1763 ss475\"><div><div class=\"ps1717 ss469\"><span class=\"f charStyle-37455c2a ps36\">davon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6692 ss479\"><div><div class=\"ps40 ss399\"><span class=\"f charStyle-37455c2a ps36\">wertpapierbezogene und sonstige <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss399\"><span class=\"f charStyle-37455c2a ps36\">Derivate Bankbuch</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6693 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6694 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">209<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6695 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6696 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps622\">350<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6697 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6698 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6699 ss478\"><div><div class=\"ps291 ss469\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">22.874<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">35.561<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">38.674<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">97.111<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">467<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6705 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-541<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6706 ss478\"><div><div class=\"ps291 ss469\"><span class=\"f charStyle-37455c2a ps36\">davon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6707 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Bankbuchgesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6708 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">22.874<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6709 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">35.561<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">38.674<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">97.111<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">467<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-541<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6714 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Handelsbuchgesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6715 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6716 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6717 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6720 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"14\" style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6721 ss480\"><div><div class=\"ps4208 ss464\"><span class=\"f charStyle-5ee25b5a ps36\">1 In den Derivaten Bankbuch sind Derivate in Fair-Value-Hedge-Beziehungen, Cashflow-Hedge-Beziehungen und Net-Investment-Hedge-Beziehungen enthalten.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6722 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die obige Tabelle enth\u00e4lt folgende Betr\u00e4ge f\u00fcr Fair-Value-</span></div><div class=\"ps6723 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:229.78pt\">Hedges, Cashflow-Hedges und Net-Investment-Hedges:</span></div><div class=\"ps6755 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:117pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:49.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"14\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss481\"><div><div class=\"ps1091 ss101\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps3794 ss124\"><div><div class=\"ps1091 ss119\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"7\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6725 ss483\"><div><div class=\"ps281 ss482\"><span class=\"f charStyle-37455c2a ps6724\">Nominalbetr\u00e4ge/Restlaufzeit<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps1896\">Marktwerte<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss484\"><div><div class=\"ps6608 ss101\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps4269 ss101\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6726 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4462\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6727 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6728 ss486\"><div><div class=\"ps40 ss485\"><span class=\"f charStyle-37455c2a ps467\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss485\"><span class=\"f charStyle-37455c2a ps5465\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-584de24a ps4220\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps6613\">Positiv<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps6615\">Negativ<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3720 ss481\"><div><div class=\"ps281 ss101\"><span class=\"f charStyle-37455c2a ps36\">Zinsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6729 ss124\"><div><div class=\"ps624 ss119\"><span class=\"f charStyle-37455c2a ps36\">Fair-Value-Hedge \u2013 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss119\"><span class=\"f charStyle-37455c2a ps36\">Zinsrisiko</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6730 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.552<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6731 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">18.450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6733 ss487\"><div><div class=\"ps281 ss485\"><span class=\"f charStyle-cc1eb9a4 ps6732\">18.397<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps5139 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps619\">44.399<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5140 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">257<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5141 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-52<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2888 ss481\"><div><div class=\"ps281 ss101\"><span class=\"f charStyle-37455c2a ps36\">Wechselkursvertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6734 ss124\"><div><div class=\"ps624 ss119\"><span class=\"f charStyle-37455c2a ps36\">Cashflow-Hedge \u2013 FX-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss119\"><span class=\"f charStyle-37455c2a ps36\">Risiko</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6735 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">615<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6736 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.001<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6738 ss487\"><div><div class=\"ps281 ss485\"><span class=\"f charStyle-cc1eb9a4 ps6737\">2.966<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6739 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">7.582<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6740 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3622 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-40<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3215 ss481\"><div><div class=\"ps281 ss101\"><span class=\"f charStyle-37455c2a ps36\">Wechselkursvertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6741 ss124\"><div><div class=\"ps624 ss119\"><span class=\"f charStyle-37455c2a ps36\">Net-Investment-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss119\"><span class=\"f charStyle-37455c2a ps36\">Hedge \u2013 FX-Risiko</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6742 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6743 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6745 ss487\"><div><div class=\"ps281 ss485\"><span class=\"f charStyle-cc1eb9a4 ps6744\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6529 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6746 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6747 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3555 ss488\"><div><div class=\"ps291 ss101\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6748 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">8.433<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6749 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">22.451<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6751 ss489\"><div><div class=\"ps291 ss485\"><span class=\"f charStyle-0b080fec ps6750\">21.363<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">52.247<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">358<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-91<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Derivative Finanztransaktionen zum 31. Dezember 2024</span></div><div class=\"ps3833 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:144.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:48pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"14\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss490\"><div><div class=\"ps1091 ss319\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6757 ss492\"><div><div class=\"ps1091 ss491\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"7\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6760 ss494\"><div><div class=\"ps281 ss493\"><span class=\"f charStyle-c5fdbd46 ps6758\">Nominalbetr\u00e4ge/Restlaufzeit</span><span class=\"f charStyle-88cee56f ps6759\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps6605\">Marktwerte</span><span class=\"f charStyle-88cee56f ps6606\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss326\"><div><div class=\"ps6608 ss319\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps4269 ss319\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6762 ss495\"><div><div class=\"ps1717 ss47\"><span class=\"f charStyle-37455c2a ps6761\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps295 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps296 ss73\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4243\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps6613\">Positiv<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps6615\">Negativ<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3720 ss497\"><div><div class=\"ps291 ss496\"><span class=\"f charStyle-7ff22fcd ps36\">Zinsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6763 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-0b080fec ps5953\">21.093<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5137 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">31.552<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">35.502<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">88.146<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">614<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-439<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5142 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-37455c2a ps36\">davon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6764 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">Zinsswaps Bankbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6766 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6765\">21.083<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5143 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">31.245<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5144 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">35.296<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5145 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">87.623<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5146 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">613<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5147 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-432<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6767 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzoptionen Bankbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6769 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6768\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5149 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">307<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">206<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">523<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5152 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6770 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">Zinsswaps Handelsbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6772 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6771\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4430 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4431 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4432 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2351 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2352 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6773 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">Zinssatzoptionen Handelsbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6774 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6771\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4434 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4435 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4436 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4437 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4438 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps5164 ss497\"><div><div class=\"ps291 ss496\"><span class=\"f charStyle-7ff22fcd ps36\">Wechselkursvertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps6775 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-0b080fec ps3344\">3.959<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps5165 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps5166 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.724<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps5167 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">11.274<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps5168 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps5169 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-298<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4291 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-37455c2a ps36\">davon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6776 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsswaps Bankbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6777 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps4630\">1.083<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5566 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.936<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5567 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.715<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5568 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.734<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5569 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5570 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-227<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6778 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">Devisentermine und Optionen Bankbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6779 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps4630\">2.876<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5573 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">654<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5574 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5575 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.540<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5576 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5577 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-71<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6780 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsswaps Handelsbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6781 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6771\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2107 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2108 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2109 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2110 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2111 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6783 ss499\" style=\"overflow:hidden\"><div><div class=\"ps6782 ss491\"><span class=\"f charStyle-37455c2a ps36\">Devisentermine und Optionen <span class=\"f ps37\"> </span></span></div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">Handelsbuch</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6784 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6771\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6785 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps757 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2784 ss497\"><div><div class=\"ps291 ss496\"><span class=\"f charStyle-7ff22fcd ps36\">Wertpapierbezogene Gesch\u00e4fte und sonstige Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6786 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-0b080fec ps6768\">48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6787 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">175<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">243<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">466<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2785 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2786 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2787 ss490\"><div><div class=\"ps281 ss319\"><span class=\"f charStyle-37455c2a ps36\">davon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6790 ss492\"><div><div class=\"ps624 ss491\"><span class=\"f charStyle-37455c2a ps36\">wertpapierbezogene und sonstige <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss491\"><span class=\"f charStyle-37455c2a ps36\">Derivate Bankbuch</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6791 ss52\"><div><div class=\"ps281 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6768\">48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6792 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">175<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6793 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">243<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6794 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">466<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2788 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2789 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td colspan=\"2\" style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3663 ss497\"><div><div class=\"ps291 ss496\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6795 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-0b080fec ps5953\">25.100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6796 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">36.317<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6797 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">38.469<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6798 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">99.886<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6799 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">647<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-745<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3667 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-37455c2a ps36\">davon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6800 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">Bankbuchgesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6801 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6765\">25.100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6802 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.317<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6803 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">38.469<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6804 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">99.886<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6805 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">647<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-745<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6806 ss499\"><div><div class=\"ps291 ss491\"><span class=\"f charStyle-37455c2a ps36\">Handelsbuchgesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6807 ss498\"><div><div class=\"ps291 ss47\"><span class=\"f charStyle-cc1eb9a4 ps6771\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6808 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6809 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6810 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6811 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"14\" style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3675 ss271\"><div><div class=\"ps4208 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">1 In den Derivaten Bankbuch sind Derivate in Fair-Value-Hedge-Beziehungen und Cashflow-Hedge-Beziehungen enthalten.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6812 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die obige Tabelle enth\u00e4lt folgende Betr\u00e4ge f\u00fcr Fair-Value-</span></div><div class=\"ps6813 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.79pt\">Hedges und Cashflow-Hedges:</span></div><div class=\"ps6854 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:121.5pt\"></td><td style=\"padding:0;width:81pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"14\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss501\"><div><div class=\"ps1091 ss500\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"><div class=\"ps6814 ss124\"><div><div class=\"ps1091 ss119\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"7\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6816 ss503\"><div><div class=\"ps281 ss502\"><span class=\"f charStyle-37455c2a ps6815\">Nominalbetr\u00e4ge/Restlaufzeit<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps1896\">Marktwerte<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:26.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss504\"><div><div class=\"ps5229 ss500\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps6817 ss500\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6819 ss505\"><div><div class=\"ps6818 ss20\"><span class=\"f charStyle-37455c2a ps4462\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6820 ss505\"><div><div class=\"ps6818 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6824 ss506\"><div><div class=\"ps6822 ss44\"><span class=\"f charStyle-37455c2a ps6821\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps6818 ss44\"><span class=\"f charStyle-37455c2a ps6823\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss505\"><div><div class=\"ps6818 ss20\"><span class=\"f charStyle-37455c2a ps4243\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss505\"><div><div class=\"ps6818 ss20\"><span class=\"f charStyle-37455c2a ps6613\">Positiv<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss505\"><div><div class=\"ps6818 ss20\"><span class=\"f charStyle-37455c2a ps6615\">Negativ<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5264 ss501\"><div><div class=\"ps281 ss500\"><span class=\"f charStyle-37455c2a ps36\">Zinsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6825 ss124\"><div><div class=\"ps624 ss119\"><span class=\"f charStyle-37455c2a ps36\">Fair-Value-Hedge \u2013 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss119\"><span class=\"f charStyle-37455c2a ps36\">Zinsrisiko</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6826 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.451<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6827 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.951<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6829 ss51\"><div><div class=\"ps281 ss44\"><span class=\"f charStyle-cc1eb9a4 ps6828\">19.040<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6519 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">46.442<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6830 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">315<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6831 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-56<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3333 ss501\"><div><div class=\"ps281 ss500\"><span class=\"f charStyle-37455c2a ps36\">Wechselkursvertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6832 ss124\"><div><div class=\"ps624 ss119\"><span class=\"f charStyle-37455c2a ps36\">Cashflow-Hedge \u2013 FX-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss119\"><span class=\"f charStyle-37455c2a ps36\">Risiko</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6833 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.200<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6834 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.448<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6835 ss51\"><div><div class=\"ps281 ss44\"><span class=\"f charStyle-cc1eb9a4 ps2028\">2.725<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6836 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">8.373<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6837 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6838 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-226<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6839 ss501\"><div><div class=\"ps281 ss500\"><span class=\"f charStyle-37455c2a ps36\">Wechselkursvertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6840 ss124\"><div><div class=\"ps624 ss119\"><span class=\"f charStyle-37455c2a ps36\">Net-Investment-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss119\"><span class=\"f charStyle-37455c2a ps36\">Hedge \u2013 FX-Risiko</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6842 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6843 ss51\"><div><div class=\"ps281 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5482\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6844 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6845 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6846 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3464 ss507\"><div><div class=\"ps291 ss500\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6847 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">10.871<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6848 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">22.399<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6850 ss378\"><div><div class=\"ps291 ss44\"><span class=\"f charStyle-0b080fec ps6849\">21.765<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6851 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">55.035<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6852 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">331<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6853 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-291<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDerivativeFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-721": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Zu fortgef\u00fchrten Anschaffungskosten </span><div class=\"ps3006 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">bewertete finanzielle Verm\u00f6genswerte</span></div><div class=\"ps3007 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die folgende Aufstellung zeigt die Zusammensetzung der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3008 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kategorie \u201eZu fortgef\u00fchrten Anschaffungskosten bewertete</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3009 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:180.47pt\">finanzielle Verm\u00f6genswerte\u201c des Konzerns.</span></div><div class=\"ps3077 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:180.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:48pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss150\"><div><div class=\"ps3010 ss149\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps524 ss149\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3017 ss152\"><div><div class=\"ps2566 ss151\"><span class=\"f charStyle-37455c2a ps3011\">Buchwert vor <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps3014 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps3016 ss151\"><span class=\"f charStyle-37455c2a ps3015\">tigungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3021 ss153\"><div><div class=\"ps2567 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps3014 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps3016 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3022 ss153\"><div><div class=\"ps2567 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps3014 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps3016 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3023 ss153\"><div><div class=\"ps2567 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps3014 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps3016 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3025 ss153\"><div><div class=\"ps3016 ss50\"><span class=\"f charStyle-37455c2a ps3024\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss152\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-37455c2a ps2034\">Gesamtnetto <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss151\"><span class=\"f charStyle-37455c2a ps3026\">(Buchwert nach <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps3014 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps3016 ss151\"><span class=\"f charStyle-37455c2a ps3027\">tigungen)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3029 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3031 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">51.223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3033 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-84<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3034 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3036 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3035\">-304<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3038 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3037\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3039 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3040 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3042 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.613<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3044 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3045 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3046 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3047 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3048 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.613<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2579 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel \u00f6ffentlicher Stellen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3050 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">263<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3051 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3052 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3053 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3054 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3055 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">263<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps721 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel anderer Emittenten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3056 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.350<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3057 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3058 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3059 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3060 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3061 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.350<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3062 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kreditinstitute<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3063 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3064 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3065 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3066 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3067 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3068 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">452<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3069 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3071 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">55.288<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3072 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-84<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3073 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3074 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3035\">-304<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3075 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3037\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3076 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">54.814<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3119 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:180.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss157\"><div><div class=\"ps3078 ss149\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps3079 ss149\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3017 ss158\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3011\">Buchwert vor <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3015\">tigungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3021 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3022 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3023 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3025 ss159\"><div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3024\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps2034\">Gesamtnetto <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3026\">(Buchwert nach <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3027\">tigungen)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3080 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3081 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">45.845<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3082 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3083 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3084 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3035\">-233<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3086 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3087 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">45.496<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2243 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3088 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.082<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3089 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3090 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3091 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3092 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3093 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">3.081<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel \u00f6ffentlicher Stellen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3094 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">135<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3095 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3096 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3097 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3098 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3099 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">135<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel anderer Emittenten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3100 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.947<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3101 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3102 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3103 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3104 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3105 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.946<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps726 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kreditinstitute<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3106 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">830<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3107 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3108 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3109 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3110 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3111 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">830<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3112 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3113 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">49.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3114 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-49<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3115 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3116 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3035\">-233<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3117 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3085\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3118 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">49.407<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">In der folgenden Tabelle wird die Verteilung der zum Stichtag</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bestehenden Forderungen an Kunden nach Kreditarten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:47.2pt\">dargestellt:</span></div><div class=\"ps3127 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kredite<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">44.079<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">42.191<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps704 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Girobereich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2896 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">4.306<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2897 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">981<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps705 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Finanzierungsleasing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2898 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.075<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2899 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.084<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps711 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Barvorlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3121 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">209<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3122 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">163<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps716 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Geldmarktgesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3123 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">80<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3124 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">77<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps721 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3125 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3126 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">45.496<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps338 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Finanzielle Verm\u00f6genswerte, welche w\u00e4hrend der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps339 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Berichtsperiode modifiziert, aber nicht ausgebucht wurden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps340 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und die zum Zeitpunkt der Vertragsanpassung der Stufe 2 oder</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps341 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:110.27pt\">Stufe 3 zugeordnet waren:</span><span class=\"f charStyle-34546584 ps3128\" style=\"width:2.36pt\"> </span></div><div class=\"ps3146 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:335.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss161\"><div><div class=\"ps3078 ss160\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps3079 ss160\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3132 ss158\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3129\">Gesamtlaufzeit-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3130\">ECL \u2013 nicht </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3131\">wertgemindert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3134 ss158\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3129\">Gesamtlaufzeit-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3133\">ECL \u2013 </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3131\">wertgemindert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3028 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3135\">Erworbene oder <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3136\">ausgereichte </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3137\">wertgeminderte </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3138\">Finanz-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3080 ss162\"><div><div class=\"ps291 ss160\"><span class=\"f charStyle-37455c2a ps36\">Fortgef\u00fchrte Anschaffungskosten vor Vertragsmodifikation im laufenden Gesch\u00e4ftsjahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3140 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">227<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3142 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3087 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2243 ss162\"><div><div class=\"ps291 ss160\"><span class=\"f charStyle-37455c2a ps36\">Netto-Gewinn / -Verlust aus der Vertragsanpassung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3144 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3145 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3093 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3148 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:335.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss161\"><div><div class=\"ps3078 ss160\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps3079 ss160\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3132 ss158\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3129\">Gesamtlaufzeit-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3130\">ECL \u2013 nicht </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3131\">wertgemindert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3134 ss158\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3129\">Gesamtlaufzeit-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3133\">ECL \u2013 </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3131\">wertgemindert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3028 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3135\">Erworbene oder <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3136\">ausgereichte </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3137\">wertgeminderte </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3138\">Finanz-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3080 ss162\"><div><div class=\"ps291 ss160\"><span class=\"f charStyle-37455c2a ps36\">Fortgef\u00fchrte Anschaffungskosten vor Vertragsmodifikation im laufenden Gesch\u00e4ftsjahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3140 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">189<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3142 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3087 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2243 ss162\"><div><div class=\"ps291 ss160\"><span class=\"f charStyle-37455c2a ps36\">Netto-Gewinn / -Verlust aus der Vertragsanpassung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3144 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3145 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3093 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Modifizierte finanzielle Verm\u00f6genswerte, deren Risikovorsorge</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zum Zeitpunkt der Modifikation der Stufe 2 oder 3 zugeordnet</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">war und welche innerhalb der Berichtsperiode in Stufe 1</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zur\u00fccktransferiert wurden, hatten zum 31.12.2025 einen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:207.07pt\">Bruttobuchwert von 121\u00a0Mio.\u00a0\u20ac (2024: 89\u00a0Mio.\u00a0\u20ac).</span></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die folgende Aufstellung zeigt die Zusammensetzung der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kategorie \u201eZu fortgef\u00fchrten Anschaffungskosten\u201c nach den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:106.91pt\">Segmenten des Konzerns:</span></div><div class=\"ps3127 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:180.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss157\"><div><div class=\"ps3078 ss149\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps3079 ss149\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3017 ss158\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3011\">Buchwert vor <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3015\">tigungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3021 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3022 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3023 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3025 ss159\"><div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3024\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3028 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps2034\">Gesamtnetto <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3026\">(Buchwert nach <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3027\">tigungen)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3080 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3081 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">39.124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3082 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-74<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3083 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3084 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3035\">-291<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3086 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3151\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3087 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">38.680<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2243 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3088 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">13.968<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3089 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3090 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3091 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3092 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3093 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">13.938<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2248 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3094 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.653<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3095 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3096 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3097 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3098 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3099 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.653<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2253 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3100 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-457<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3101 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3102 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3103 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3104 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3105 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-457<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps726 ss154\"><div><div class=\"ps291 ss149\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3106 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">55.288<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3107 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-84<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3108 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3109 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3035\">-304<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3110 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3037\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3111 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">54.814<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3188 ss0\"><div class=\"ss170 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:180pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:50.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss165\"><div><div class=\"ps3078 ss164\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps3079 ss164\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3153 ss158\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3011\">Buchwert vor <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3015\">tigungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1787 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3154 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3155 ss159\"><div><div class=\"ps2027 ss50\"><span class=\"f charStyle-37455c2a ps3018\">Wertberich-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss50\"><span class=\"f charStyle-37455c2a ps3019\">tigungen </span></div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3020\">Stage 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3156 ss159\"><div><div class=\"ps2031 ss50\"><span class=\"f charStyle-37455c2a ps3024\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3157 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps2034\">Gesamtnetto <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3026\">(Buchwert nach <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3012\">Abzug der </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3013\">Wertberich-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3027\">tigungen)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3080 ss166\"><div><div class=\"ps291 ss164\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3158 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">34.263<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3159 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-41<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3160 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3161 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3035\">-212<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3162 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3163 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">33.947<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2243 ss166\"><div><div class=\"ps291 ss164\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3164 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">13.286<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3165 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3166 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3167 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3032\">-21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3168 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3085\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3169 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">13.252<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2248 ss166\"><div><div class=\"ps291 ss164\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3170 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.553<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3171 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3172 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3173 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3174 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3175 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.553<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2253 ss167\"><div><div class=\"ps40 ss164\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3176 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-345<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3177 ss169\"><div><div class=\"ps40 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3178 ss169\"><div><div class=\"ps40 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3179 ss169\"><div><div class=\"ps40 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3180 ss169\"><div><div class=\"ps40 ss50\"><span class=\"f charStyle-cc1eb9a4 ps3043\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3181 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-345<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1349 ss166\"><div><div class=\"ps291 ss164\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3182 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">49.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3183 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-49<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3184 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3032\">-59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3185 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3035\">-233<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3186 ss156\"><div><div class=\"ps291 ss50\"><span class=\"f charStyle-0b080fec ps3085\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3187 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">49.407<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps1632\">17 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2852\">Restlaufzeiten Verm\u00f6genswerte</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die folgende Tabelle zeigt die Aufgliederung der finanziellen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerte (exkl. Unternehmen mit Beteiligungsverh\u00e4lt-</span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">nis, anderer Eigenkapitalinstrumente und Derivaten) nach</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:78.17pt\">deren Restlaufzeit.</span></div><div class=\"ps3267 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:240.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verm\u00f6genswerte \u2013 Gliederung nach Restlaufzeiten 2025</span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss172\"><div><div class=\"ps3190 ss171\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps3191 ss171\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3194 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3192\">t\u00e4glich <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3193\">f\u00e4llig</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3197 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3195\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3196\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3199 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3196\">3 Monate <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3198\">bis 1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3201 ss174\"><div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3200\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3203 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps2061\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3202\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3205 ss174\"><div><div class=\"ps2567 ss173\"><span class=\"f charStyle-584de24a ps3204\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1334 ss175\"><div><div class=\"ps624 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam freiwillig zum beizulegenden Zeitwert bewertete <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2574 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3207 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3208 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3209 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3211 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3213 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">31<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3214 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3212\">38<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2888 ss175\"><div><div class=\"ps624 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3215 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3216 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3217 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3218 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">17<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3219 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">83<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3220 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3222 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">149<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3223 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3224 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3225 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3226 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3227 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">196<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3228 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3229 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">220<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3230 ss178\"><div><div class=\"ps40 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps478 ss179\"><div><div class=\"ps40 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere festverzinste Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3231 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3232 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">74<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3233 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3234 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">847<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3235 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">309<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3237 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-71900c34 ps3236\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1094 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1098 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3238 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">808<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3239 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">4.090<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3240 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">2.542<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3241 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">8.729<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3243 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3242\">34.580<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3244 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3242\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1102 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kreditinstitute<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3245 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3246 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">398<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3247 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3248 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">29<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3249 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3250 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">452<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3251 ss179\"><div><div class=\"ps40 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere festverzinste Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3252 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3253 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">137<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3254 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">784<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3255 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">732<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3256 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">1.960<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3257 ss180\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-71900c34 ps3236\">3.613<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3258 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3259 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3221\">811<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3261 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3260\">4.700<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3262 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3260\">3.392<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3264 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3263\">10.623<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3265 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3263\">36.970<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3266 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-36b68314 ps3263\">56.496<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps3303 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:240.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verm\u00f6genswerte \u2013 Gliederung nach Restlaufzeiten 2024</span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss172\"><div><div class=\"ps3190 ss171\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps3191 ss171\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3194 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3192\">t\u00e4glich <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3193\">f\u00e4llig</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3197 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3195\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3196\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3199 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps3196\">3 Monate <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3198\">bis 1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3201 ss174\"><div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3200\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3203 ss174\"><div><div class=\"ps2566 ss173\"><span class=\"f charStyle-37455c2a ps2061\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss173\"><span class=\"f charStyle-37455c2a ps3202\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3205 ss174\"><div><div class=\"ps2567 ss173\"><span class=\"f charStyle-584de24a ps3204\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps1334 ss175\"><div><div class=\"ps624 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam freiwillig zum beizulegenden Zeitwert bewertete <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2574 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3207 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3208 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3209 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3211 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3213 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3214 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3212\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2888 ss175\"><div><div class=\"ps624 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3215 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3216 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3217 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3218 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3219 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">112<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3220 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3222 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">162<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3223 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3224 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3225 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3226 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">176<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3227 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">79<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3228 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">79<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3229 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">335<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3230 ss175\"><div><div class=\"ps624 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3268 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere festverzinste Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3269 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3270 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">237<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3271 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">73<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3272 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">882<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3273 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">576<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3274 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3236\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2974 ss179\"><div><div class=\"ps40 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3275 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3276 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">1.187<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3277 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">800<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3278 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">1.122<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3279 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">9.346<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3280 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3242\">33.041<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3281 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3242\">45.496<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3282 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kreditinstitute<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3283 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3284 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">771<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3285 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3286 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3287 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">49<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3288 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3221\">830<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3289 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen und andere festverzinste Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3290 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3291 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3292 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3293 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">804<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3294 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3236\">2.082<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3295 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-71900c34 ps3236\">3.081<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3296 ss176\"><div><div class=\"ps291 ss171\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3297 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3260\">1.190<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3298 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3260\">1.860<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3299 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3260\">1.519<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3300 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3263\">11.238<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3301 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-0b080fec ps3263\">35.911<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3302 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-36b68314 ps3263\">51.718<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLoansAndAdvancesToBanksExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-723": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Sachanlagen, Vermietete Grundst\u00fccke </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps3304\">und Geb\u00e4ude</span></div><div class=\"ps2792 ss0\"><div class=\"ss181 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss182\"><div><div class=\"ps276 ss181\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung der Sachanlagen 2025</span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss184\"><div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3310\">Anschaffungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3311\">kosten</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3308\">01.01.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3314\">W\u00e4hrungs-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3315\">umrechnung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3316\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Sachanlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3318 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">254<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3319 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3321 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3322 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">98<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Betriebs- und Gesch\u00e4ftsausstattung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">69<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">177<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">72<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3333 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Anlagen in Bau<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Nutzungsrechte nach IFRS 16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">162<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">286<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">24<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3372 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">(Fortsetzung) Entwicklung der Sachanlagen 2025</span></div></div></div></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss187\"><div><div class=\"ps3079 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss158\"><div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3343\">Abg\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss158\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3344\">Umgliede-<span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3345\">rungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss158\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3346\">Abschrei-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3347\">bungen </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3348\">kumuliert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3134 ss158\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-584de24a ps3349\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-584de24a ps3350\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3351\">Zuschreibungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3352\">(+) und </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3346\">Abschrei-</span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3353\">bungen (-) </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3354\">Gesch\u00e4ftsjahr</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3080 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Sachanlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3355 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-104<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3356 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3140 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-193<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps3142 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">300<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3087 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-42<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2243 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3358 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3359 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3144 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3145 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34 ps3147\">19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3093 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Betriebs- und Gesch\u00e4ftsausstattung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3360 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3361 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3362 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-79<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3363 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34 ps3049\">126<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3099 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Anlagen in Bau<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3364 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3365 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3366 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3367 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3105 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps726 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Nutzungsrechte nach IFRS 16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3368 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-56<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3369 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3370 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-101<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3371 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34 ps3049\">153<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3111 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-25<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3374 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:538.19pt\">Im Buchwert der Betriebs- und Gesch\u00e4ftsausstattung sind Verm\u00f6genswerte in H\u00f6he von 37 Mio. \u20ac enthalten, die im Rahmen von</span><span class=\"f charStyle-34546584 ps3373\" style=\"width:2.36pt\"> </span></div><div class=\"ps3375 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:192.55pt\">Operating-Lease-Vertr\u00e4gen vermietet werden.</span></div><div class=\"ps3377 ss0\"><div class=\"ss181 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss182\"><div><div class=\"ps276 ss181\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung der Sachanlagen 2024</span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss184\"><div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2023<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3310\">Anschaffungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3311\">kosten</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3308\">01.01.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3314\">W\u00e4hrungs-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3315\">umrechnung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3316\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Sachanlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3318 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3319 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">482<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3321 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3322 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">30<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Betriebs- und Gesch\u00e4ftsausstattung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">70<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">176<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3333 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Anlagen in Bau<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Nutzungsrechte nach IFRS 16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">168<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">271<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">18<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3378 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">(Fortsetzung) Entwicklung der Sachanlagen 2024</span></div></div></div></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss187\"><div><div class=\"ps3079 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss158\"><div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3343\">Abg\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss158\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3344\">Umgliede-<span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3345\">rungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss158\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3346\">Abschrei-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3347\">bungen </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3348\">kumuliert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss158\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3351\">Zuschreibungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3352\">(+) und </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3346\">Abschrei-</span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3353\">bungen (-) </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3354\">Gesch\u00e4ftsjahr</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3080 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Sachanlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3355 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3356 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3140 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-246<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3142 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">254<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3087 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-35<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2243 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3358 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3359 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3144 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3145 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3093 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Betriebs- und Gesch\u00e4ftsausstattung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3360 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3361 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3362 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-108<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3363 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">69<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3099 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Anlagen in Bau<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3364 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3365 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3366 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3367 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3105 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps726 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Nutzungsrechte nach IFRS 16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3368 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3369 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3370 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3371 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">162<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3111 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-24<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:267.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung der vermieteten Grundst\u00fccke und Geb\u00e4ude 2025</span></div></div></div></td></tr><tr style=\"height:56.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss191\"><div><div class=\"ps1776 ss190\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3312 ss192\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3132 ss192\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3383\">\u00c4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3384\">Konsolidierungs-</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3385\">kreis</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3134 ss192\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3314\">W\u00e4hrungs-</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3315\">umrechnung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3028 ss192\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-37455c2a ps3386\">Bewertung zum </span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3387\">beizulegenden </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3388\">Zeitwert nach </span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3389\">IAS 40</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps312 ss193\"><div><div class=\"ps291 ss190\"><span class=\"f charStyle-7ff22fcd ps36\">Vermietete Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3390 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3391 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3392 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3393 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">42<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3400 ss0\"><div class=\"ss181 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss182\"><div><div class=\"ps276 ss181\"><span class=\"f charStyle-b07a4b4f ps36\">(Fortsetzung) Entwicklung der vermieteten Grundst\u00fccke und Geb\u00e4ude 2025</span></div></div></div></td></tr><tr style=\"height:56.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss194\"><div><div class=\"ps1776 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3309 ss192\"><div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3316\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss192\"><div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3343\">Abg\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss192\"><div><div class=\"ps624 ss151\"><span class=\"f charStyle-d5c753b0 ps3394\">Umgliederung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss151\"><span class=\"f charStyle-d5c753b0 ps3395\">zu/von Zur </span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-d5c753b0 ps3315\">Ver\u00e4u\u00dferung </span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-d5c753b0 ps3396\">gehaltene </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-d5c753b0 ps3397\">langfristige </span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-d5c753b0 ps3398\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3134 ss192\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-584de24a ps3349\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-584de24a ps3350\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps312 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Vermietete Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3399 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3390 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3320\">-5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3391 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps3392 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">232<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3402 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:267.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung der vermieteten Grundst\u00fccke und Geb\u00e4ude 2024</span></div></div></div></td></tr><tr style=\"height:56.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss191\"><div><div class=\"ps1776 ss190\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss192\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2023<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss192\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3383\">\u00c4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3384\">Konsolidierungs-</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3385\">kreis</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss192\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3314\">W\u00e4hrungs-</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3315\">umrechnung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss192\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-37455c2a ps3386\">Bewertung zum </span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3387\">beizulegenden </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3388\">Zeitwert nach </span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3389\">IAS 40</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps312 ss193\"><div><div class=\"ps291 ss190\"><span class=\"f charStyle-7ff22fcd ps36\">Vermietete Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3390 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">75<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3391 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3320\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3392 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3393 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3320\">-9<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3410 ss0\"><div class=\"ss195 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss196\"><div><div class=\"ps276 ss195\"><span class=\"f charStyle-b07a4b4f ps36\">(Fortsetzung) Entwicklung der vermieteten Grundst\u00fccke und Geb\u00e4ude 2024</span></div></div></div></td></tr><tr style=\"height:56.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss194\"><div><div class=\"ps1776 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss192\"><div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3316\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3404 ss192\"><div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3343\">Abg\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3405 ss192\"><div><div class=\"ps624 ss151\"><span class=\"f charStyle-d5c753b0 ps3394\">Umgliederung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss151\"><span class=\"f charStyle-d5c753b0 ps3395\">zu/von Zur </span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-d5c753b0 ps3315\">Ver\u00e4u\u00dferung </span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-d5c753b0 ps3396\">gehaltene </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-d5c753b0 ps3397\">langfristige </span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-d5c753b0 ps3398\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3406 ss192\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps312 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Vermietete Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3399 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3407 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3408 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3409 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">50<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentPropertyExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-722": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Sachanlagen, Vermietete Grundst\u00fccke </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps3304\">und Geb\u00e4ude</span></div><div class=\"ps2792 ss0\"><div class=\"ss181 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss182\"><div><div class=\"ps276 ss181\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung der Sachanlagen 2025</span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss184\"><div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3310\">Anschaffungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3311\">kosten</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3308\">01.01.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3314\">W\u00e4hrungs-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3315\">umrechnung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3316\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Sachanlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3318 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">254<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3319 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3321 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3322 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">98<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Betriebs- und Gesch\u00e4ftsausstattung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">69<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">177<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">72<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3333 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Anlagen in Bau<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Nutzungsrechte nach IFRS 16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">162<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">286<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">24<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3372 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">(Fortsetzung) Entwicklung der Sachanlagen 2025</span></div></div></div></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss187\"><div><div class=\"ps3079 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss158\"><div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3343\">Abg\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss158\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3344\">Umgliede-<span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3345\">rungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss158\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3346\">Abschrei-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3347\">bungen </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3348\">kumuliert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3134 ss158\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-584de24a ps3349\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-584de24a ps3350\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3351\">Zuschreibungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3352\">(+) und </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3346\">Abschrei-</span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3353\">bungen (-) </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3354\">Gesch\u00e4ftsjahr</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3080 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Sachanlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3355 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-104<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3356 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3140 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-193<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps3142 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">300<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3087 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-42<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2243 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3358 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3359 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3144 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3145 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34 ps3147\">19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3093 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Betriebs- und Gesch\u00e4ftsausstattung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3360 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3361 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3362 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-79<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3363 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34 ps3049\">126<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3099 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Anlagen in Bau<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3364 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3365 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3366 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3367 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3105 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps726 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Nutzungsrechte nach IFRS 16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3368 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-56<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3369 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3370 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-101<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3371 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34 ps3049\">153<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3111 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-25<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3374 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:538.19pt\">Im Buchwert der Betriebs- und Gesch\u00e4ftsausstattung sind Verm\u00f6genswerte in H\u00f6he von 37 Mio. \u20ac enthalten, die im Rahmen von</span><span class=\"f charStyle-34546584 ps3373\" style=\"width:2.36pt\"> </span></div><div class=\"ps3375 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:192.55pt\">Operating-Lease-Vertr\u00e4gen vermietet werden.</span></div><div class=\"ps3377 ss0\"><div class=\"ss181 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss182\"><div><div class=\"ps276 ss181\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung der Sachanlagen 2024</span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss184\"><div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2023<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3310\">Anschaffungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3311\">kosten</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3308\">01.01.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3314\">W\u00e4hrungs-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3315\">umrechnung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3316\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Sachanlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3318 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3319 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">482<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3321 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3322 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">30<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Betriebs- und Gesch\u00e4ftsausstattung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">70<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">176<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3333 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Anlagen in Bau<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Nutzungsrechte nach IFRS 16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">168<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">271<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">18<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3378 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">(Fortsetzung) Entwicklung der Sachanlagen 2024</span></div></div></div></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss187\"><div><div class=\"ps3079 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss158\"><div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3343\">Abg\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss158\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3344\">Umgliede-<span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3345\">rungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss158\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3346\">Abschrei-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3347\">bungen </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3348\">kumuliert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss158\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss158\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3351\">Zuschreibungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3352\">(+) und </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3346\">Abschrei-</span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps3353\">bungen (-) </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps3354\">Gesch\u00e4ftsjahr</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3080 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Sachanlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3355 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3356 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3140 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-246<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3142 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">254<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3087 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-35<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2243 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Betrieblich genutzte Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3358 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3359 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3144 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3145 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3093 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Betriebs- und Gesch\u00e4ftsausstattung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3360 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3361 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3362 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-108<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3363 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">69<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3099 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Anlagen in Bau<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3364 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3365 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3366 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3367 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3105 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps726 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Nutzungsrechte nach IFRS 16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3368 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3369 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3370 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3371 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">162<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3111 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-24<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:267.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung der vermieteten Grundst\u00fccke und Geb\u00e4ude 2025</span></div></div></div></td></tr><tr style=\"height:56.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss191\"><div><div class=\"ps1776 ss190\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3312 ss192\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3132 ss192\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3383\">\u00c4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3384\">Konsolidierungs-</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3385\">kreis</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3134 ss192\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3314\">W\u00e4hrungs-</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3315\">umrechnung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3028 ss192\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-37455c2a ps3386\">Bewertung zum </span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3387\">beizulegenden </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3388\">Zeitwert nach </span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3389\">IAS 40</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps312 ss193\"><div><div class=\"ps291 ss190\"><span class=\"f charStyle-7ff22fcd ps36\">Vermietete Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3390 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3391 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3392 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3393 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">42<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3400 ss0\"><div class=\"ss181 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss182\"><div><div class=\"ps276 ss181\"><span class=\"f charStyle-b07a4b4f ps36\">(Fortsetzung) Entwicklung der vermieteten Grundst\u00fccke und Geb\u00e4ude 2025</span></div></div></div></td></tr><tr style=\"height:56.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss194\"><div><div class=\"ps1776 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3309 ss192\"><div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3316\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss192\"><div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3343\">Abg\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss192\"><div><div class=\"ps624 ss151\"><span class=\"f charStyle-d5c753b0 ps3394\">Umgliederung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss151\"><span class=\"f charStyle-d5c753b0 ps3395\">zu/von Zur </span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-d5c753b0 ps3315\">Ver\u00e4u\u00dferung </span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-d5c753b0 ps3396\">gehaltene </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-d5c753b0 ps3397\">langfristige </span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-d5c753b0 ps3398\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3134 ss192\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-584de24a ps3349\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-584de24a ps3350\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps312 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Vermietete Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3399 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3390 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3320\">-5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3391 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps3392 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">232<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3402 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:267.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung der vermieteten Grundst\u00fccke und Geb\u00e4ude 2024</span></div></div></div></td></tr><tr style=\"height:56.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss191\"><div><div class=\"ps1776 ss190\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss192\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2023<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss192\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3383\">\u00c4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3384\">Konsolidierungs-</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3385\">kreis</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss192\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3314\">W\u00e4hrungs-</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3315\">umrechnung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss192\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-37455c2a ps3386\">Bewertung zum </span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3387\">beizulegenden </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3388\">Zeitwert nach </span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3389\">IAS 40</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps312 ss193\"><div><div class=\"ps291 ss190\"><span class=\"f charStyle-7ff22fcd ps36\">Vermietete Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3390 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">75<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3391 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3320\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3392 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3393 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3320\">-9<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3410 ss0\"><div class=\"ss195 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss196\"><div><div class=\"ps276 ss195\"><span class=\"f charStyle-b07a4b4f ps36\">(Fortsetzung) Entwicklung der vermieteten Grundst\u00fccke und Geb\u00e4ude 2024</span></div></div></div></td></tr><tr style=\"height:56.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss194\"><div><div class=\"ps1776 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss192\"><div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3316\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3404 ss192\"><div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3343\">Abg\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3405 ss192\"><div><div class=\"ps624 ss151\"><span class=\"f charStyle-d5c753b0 ps3394\">Umgliederung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss151\"><span class=\"f charStyle-d5c753b0 ps3395\">zu/von Zur </span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-d5c753b0 ps3315\">Ver\u00e4u\u00dferung </span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-d5c753b0 ps3396\">gehaltene </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-d5c753b0 ps3397\">langfristige </span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-d5c753b0 ps3398\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3406 ss192\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps312 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Vermietete Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3399 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3407 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3408 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3409 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">50<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPropertyPlantAndEquipmentExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-726": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Gesch\u00e4fts- und Firmenwerte, </span><div class=\"ps3412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Markennamen und Kundenst\u00f6cke, </span></div><div class=\"ps3413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Software und andere immaterielle </span></div><div class=\"ps3414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Verm\u00f6gensgegenst\u00e4nde</span></div><div class=\"ps3415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Der Markenname \u201eBAWAG P.S.K.\u201c mit einem Buchwert von</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">114\u00a0Mio.\u00a0\u20ac (2024: 114\u00a0Mio.\u00a0\u20ac), die Kundenbeziehungen von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3417 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Konzernunternehmen mit einem Buchwert von 92\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps3418 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">(2024: 102\u00a0Mio.\u00a0\u20ac) und Software und andere immaterielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3419 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte mit einem Buchwert von 196\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3420 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">180\u00a0Mio.\u00a0\u20ac) geh\u00f6ren zu den wesentlichsten immateriellen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3421 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verm\u00f6genswerten des Konzerns. Der Buchwert der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3422 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kundenbeziehungen wird linear pro rata temporis</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3424 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:60.6pt\">abgeschrieben</span><span class=\"f charStyle-34546584 ps3423\" style=\"width:2.62pt\">.</span></div><div class=\"ps3425 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Posten \u201eGesch\u00e4fts- und Firmenwerte\u201c, \u201eMarkennamen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und Kundenst\u00f6cke\u201c und \u201eSoftware und andere immaterielle</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3427 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte\u201c werden in Note 34 in dem Posten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3428 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:214.71pt\">\u201eImmaterielle Verm\u00f6genswerte\u201c zusammengefasst.</span></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss135\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung der Posten Gesch\u00e4fts- und Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und</span></div><div class=\"ps2467 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">andere immaterielle Verm\u00f6genswerte 2025</span></div></div></div></td></tr><tr style=\"height:47.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss197\"><div><div class=\"ps3429 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3430 ss198\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3433 ss198\"><div><div class=\"ps1792 ss151\"><span class=\"f charStyle-7fa92c59 ps3431\">Anschaffungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-7fa92c59 ps3432\">kosten</span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-7fa92c59 ps3353\">01.01.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3437 ss198\"><div><div class=\"ps624 ss151\"><span class=\"f charStyle-7fa92c59 ps3434\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss151\"><span class=\"f charStyle-7fa92c59 ps3435\">Konsolidie-</span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-7fa92c59 ps3436\">rungskreis </span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-7fa92c59 ps3431\">Anschaffungs-</span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-7fa92c59 ps3432\">kosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3440 ss198\"><div><div class=\"ps1792 ss151\"><span class=\"f charStyle-7fa92c59 ps3434\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-7fa92c59 ps3438\">W\u00e4hrungs-</span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-7fa92c59 ps3439\">umrechnung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3441 ss198\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3316\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3442 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4fts- und Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3443 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">119<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3444 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">683<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3445 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3446 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3320\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3447 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps716 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Markennamen und Kundenst\u00f6cke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3448 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">233<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3449 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">488<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3450 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3451 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3452 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1344 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3453 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">180<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3454 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">668<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3455 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3456 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3457 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">48<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3458 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3459 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">173<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3460 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">652<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3461 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3462 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3463 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">32<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3464 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3465 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">69<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3466 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">447<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3467 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3468 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3469 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3470 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3471 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">104<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3472 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">205<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3473 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3474 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3475 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">26<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3476 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte in Entwicklung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3477 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3478 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3479 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3480 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3481 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2813 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3482 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3483 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3484 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3485 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3486 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3487 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3488 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3489 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3490 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3491 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">15<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps896 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Rechte und Abl\u00f6sezahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3492 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3493 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3494 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3495 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3496 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3502 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss135\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-1d17e36d ps36\">(Fortsetzung) Entwicklung der Posten Gesch\u00e4fts- und Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und </span></div><div class=\"ps2467 ss15\"><span class=\"f charStyle-1d17e36d ps36\">andere immaterielle Verm\u00f6genswerte 2025</span></div></div></div></td></tr><tr style=\"height:47.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss197\"><div><div class=\"ps3429 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3430 ss198\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3343\">Abg\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3433 ss198\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3344\">Umgliede-<span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3345\">rungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3437 ss198\"><div><div class=\"ps1792 ss151\"><span class=\"f charStyle-37455c2a ps3346\">Abschrei-<span class=\"f ps37\"> </span></span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3347\">bungen </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3348\">kumuliert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3440 ss198\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-36b68314 ps3497\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-36b68314 ps3498\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3441 ss198\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-8a8378d9 ps1784\">Zuschreibungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-8a8378d9 ps3499\">(+) und Abschrei-</span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-8a8378d9 ps3500\">bungen (-) </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-8a8378d9 ps3501\">Gesch\u00e4ftsjahr</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3442 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4fts- und Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3443 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3444 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3445 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-564<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps3446 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">117<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3447 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps716 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Markennamen und Kundenst\u00f6cke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3448 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3449 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3450 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-254<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3451 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3452 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1344 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3453 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3454 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3455 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-520<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3456 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">195<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3457 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3458 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3459 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3460 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3461 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-512<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3462 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">176<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3463 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3464 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3465 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3466 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3467 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-389<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3468 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3147\">64<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3469 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-12<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3470 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3471 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3472 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3473 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-123<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3474 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">112<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3475 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-21<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3476 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte in Entwicklung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3477 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3478 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3479 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3480 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3147\">19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3481 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2813 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3482 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3483 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3484 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3485 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3486 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3487 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3488 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3489 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3490 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3147\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3491 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps896 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Rechte und Abl\u00f6sezahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3492 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3493 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3494 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3495 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3496 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss181 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss199\"><div><div class=\"ps276 ss181\"><span class=\"f charStyle-1d17e36d ps36\">Entwicklung der Posten Gesch\u00e4fts- und Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und </span></div><div class=\"ps2467 ss181\"><span class=\"f charStyle-1d17e36d ps36\">andere immaterielle Verm\u00f6genswerte 2024</span></div></div></div></td></tr><tr style=\"height:56.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss194\"><div><div class=\"ps1776 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3430 ss192\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2023<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3433 ss192\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3310\">Anschaffungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3311\">kosten</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3308\">01.01.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3437 ss192\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-37455c2a ps3503\">Konsolidie-</span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3504\">rungskreis </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3310\">Anschaffungs-</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3311\">kosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3440 ss192\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3314\">W\u00e4hrungs-</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3315\">umrechnung</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps448 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4fts- und Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3505 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">118<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3506 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">682<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3507 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3508 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps454 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Markennamen und Kundenst\u00f6cke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3509 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">238<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3510 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">492<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3511 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3512 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps461 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3513 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">177<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3514 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">643<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3515 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3516 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps466 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3517 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">174<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3518 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">632<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3519 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3520 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3521 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3522 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3523 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3524 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3525 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">98<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3526 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">180<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3527 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3528 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte in Entwicklung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3529 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3530 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3531 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3532 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3533 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3534 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3535 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3536 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3537 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3538 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3539 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3540 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Rechte und Abl\u00f6sezahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3541 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3542 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3543 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3544 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3582 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss135\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-1d17e36d ps36\">(Fortsetzung) Entwicklung der Posten Gesch\u00e4fts- und Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und </span></div><div class=\"ps2467 ss15\"><span class=\"f charStyle-1d17e36d ps36\">andere immaterielle Verm\u00f6genswerte 2024</span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss184\"><div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3430 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3316\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3433 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3343\">Abg\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3437 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-47d94f41 ps3545\">Umgliederungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3440 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3346\">Abschrei-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3347\">bungen </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3348\">kumuliert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3441 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4fts- und Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-564<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3546 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">119<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Markennamen und Kundenst\u00f6cke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-245<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">233<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3333 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-487<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3548 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">180<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3338 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3549 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">173<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps872 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3550 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3551 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3552 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3553 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-378<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3554 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">69<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3555 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3556 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3557 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3558 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3559 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-101<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3560 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">104<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3561 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte in Entwicklung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3562 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3563 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3564 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3565 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3566 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3268 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3567 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3568 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3569 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3570 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3571 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2974 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3572 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3573 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3574 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3575 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3576 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2359 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Rechte und Abl\u00f6sezahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3577 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3578 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3579 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3580 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3581 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3602 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:194.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:38.25pt\"><td colspan=\"3\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss200\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-1d17e36d ps36\">(Fortsetzung) Entwicklung der Posten Gesch\u00e4fts- und </span></div><div class=\"ps2467 ss67\"><span class=\"f charStyle-1d17e36d ps36\">Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und </span></div><div class=\"ps3583 ss67\"><span class=\"f charStyle-1d17e36d ps36\">andere immaterielle Verm\u00f6genswerte 2024</span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2879 ss202\"><div><div class=\"ps3584 ss201\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3585 ss203\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-8a8378d9 ps1784\">Zuschreibungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-8a8378d9 ps3499\">(+) und Abschrei-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-8a8378d9 ps3500\">bungen (-) </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-8a8378d9 ps3501\">Gesch\u00e4ftsjahr</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3586 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4fts- und Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3587 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2065 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-7ff22fcd ps36\">Markennamen und Kundenst\u00f6cke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3588 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2073 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-7ff22fcd ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3589 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3590 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3591 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3592 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3593 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3594 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3595 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-20<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1355 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte in Entwicklung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3596 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps746 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3597 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3598 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3599 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3600 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps36\">Rechte und Abl\u00f6sezahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3601 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die folgende Tabelle zeigt die wesentlichen immateriellen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte mit ihrem jeweiligen Buchwert und ihrer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:82.75pt\">Restnutzungsdauer:</span></div><div class=\"ps3127 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:360pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:58.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:38.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss205\"><div><div class=\"ps3603 ss34\"><span class=\"f charStyle-dcb49308 ps36\">Immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3606 ss206\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-584de24a ps3604\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps3605\">per </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025 </span></div><div class=\"ps1348 ss20\"><span class=\"f charStyle-584de24a ps2625\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3609 ss208\"><div><div class=\"ps1792 ss207\"><span class=\"f charStyle-37455c2a ps3607\">Restnutzungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1348 ss207\"><span class=\"f charStyle-37455c2a ps3608\">dauer</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss206\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps3610\">Buchwert per <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps3611\">31.12.2024 in </span></div><div class=\"ps1348 ss20\"><span class=\"f charStyle-37455c2a ps3612\">Mio. \u20ac</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3613 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps3614 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">117<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3615 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">119<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2574 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Firmenwert easybank Franchise \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3616 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3618 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3619 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2888 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Firmenwert Zahn\u00e4rztekasse<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3620 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">24<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3621 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3622 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">24<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3623 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Firmenwert Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3624 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3625 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3626 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3627 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Firmenwert Health Coevo<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3628 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3629 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3630 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3631 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Firmenwert Brokerage Business \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3632 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3633 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3634 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps736 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Markenrechte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3635 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">130<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">130<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1718 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Markenrecht BAWAG P.S.K.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3636 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">114<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3637 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">114<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1722 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Markenrecht Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3638 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3639 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3640 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1723 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Markenrecht Knab<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3641 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3642 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1726 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Markenrecht Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3643 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3644 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps904 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Kundenbeziehungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3645 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps650\">92<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1735 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen BAWAG P.S.K.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3646 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">72<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3648 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3647\">5\u201314 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">77<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3649 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Brokerage Business \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3651 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3647\">6\u201312 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3653 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3654 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3656 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3655\">8 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3658 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen start:bausparkasse \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3661 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3660\">11 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3663 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Knab<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3665 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3655\">9 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3667 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3669 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3655\">2 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3671 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Health Coevo<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3673 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3655\">1 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3675 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Paylife<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3678 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3677\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3680 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-7ff22fcd ps36\">Summe sonstige immaterielle Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">196<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">180<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1979 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kernbankensystem f\u00fcr das Gesch\u00e4ft in \u00d6sterreich (Allegro)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3683 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3684 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3660\">15 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">\u00dcberpr\u00fcfung von Zahlungsmittel generierenden Einheiten </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">(CGUs) mit einem Gesch\u00e4fts- oder Firmenwert auf </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Wertminderung</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zum Zweck der \u00dcberpr\u00fcfung auf Wertminderung ist folgenden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">CGUs des Konzerns ein Gesch\u00e4fts- oder Firmenwert wie folgt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:84.52pt\">zugeordnet worden:</span></div><div class=\"ps3714 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">easybank Franchise \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">24<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">24<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Brokerage Business \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Firmenwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">117<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">119<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die wesentlichen Annahmen, die bei der Sch\u00e4tzung des</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">erzielbaren Betrags (Nutzungswert) verwendet wurden,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2912 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden nachstehend dargelegt. Die den wesentlichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2913 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Annahmen zugewiesenen Werte stellen die Beurteilung der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zuk\u00fcnftigen Entwicklungen in den relevanten Branchen dar</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2915 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:254.93pt\">und basieren auf Werten von externen und internen Quellen.</span></div><div class=\"ps2924 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Planwerte sind aufgrund der aktuellen geopolitischen Lage</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps2917 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">mit h\u00f6herer Unsicherheit behaftet, was jedoch in den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2918 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Cashflow-Prognosen ber\u00fccksichtigt wurde. Diese Prognosen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2920 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">ber\u00fccksichtigen die aktuellsten Forecasts, einschlie\u00dflich der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2921 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beobachteten und erwarteten Auswirkungen der aktuellen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2925 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">geopolitischen Lage auf die Rentabilit\u00e4t der betreffenden</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2922 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">CGUs. Die Planungsannahmen f\u00fcr den Zeitraum 2026\u20132030</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2926 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">basieren auf den wirtschaftlichen Annahmen der EZB und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2927 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">angemessenen Sch\u00e4tzungen der Risikokosten. Der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2928 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Planungsinput basiert auf der Gesch\u00e4ftsstrategie, die ein</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3715 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">organisches Wachstum im Kernmarkt und eine kontinuierliche</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2929 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:177.17pt\">Verbesserung der Produktpalette vorsieht.</span></div><div class=\"ps797 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:180.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss211\"><div><div class=\"ps277 ss149\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3017 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-584de24a ps2063\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3716 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-37455c2a ps2063\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Abzinsungssatz vor Steuern easybank Franchise <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps3718 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3717\"></span><span class=\"ps3717\">11,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3719 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">11,4%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3720 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Abzinsungssatz vor Steuern Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3722 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">8,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3723 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">8,1%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3328 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-30af65c7 ps36\">Abzinsungssatz vor Steuern Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3724 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3717\"></span><span class=\"ps3717\">13,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3725 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">13,2%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3726 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Abzinsungssatz vor Steuern Brokerage Business <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3728 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3729 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2671 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Abzinsungssatz vor Steuern Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3730 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3717\"></span><span class=\"ps3717\">12,6%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3731 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">12,5%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3732 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) easybank Franchise \u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3733 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3734 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">10,5%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3594 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) Zahn\u00e4rztekasse AG</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3735 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3736 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,7%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3737 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) Health Coevo AG</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3738 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">1,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3739 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">6,5%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps896 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) Brokerage Business \u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3740 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3741 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3742 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) Idaho First Bank</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3743 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">2,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3744 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">18,6%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3745 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate easybank Franchise <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3746 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3747 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3748 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3749 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2729 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3750 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3751 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3752 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate Brokerage Business <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3753 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3754 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3755 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3756 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3757 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3758 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Der Abzinsungssatz der Zahn\u00e4rztekasse AG bezieht sich auf</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps3759 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.79pt\">CHF (2024: CHF), der der Idaho First Bank auf USD (2024: USD).</span></div><div class=\"ps3760 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Cashflow-Prognosen basieren auf den von der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3761 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Gesch\u00e4ftsf\u00fchrung geplanten Jahresgewinnen der n\u00e4chsten 5</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3762 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Jahre und einer ewigen Wachstumsrate danach. Die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3763 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">nachhaltige Wachstumsrate wurde basierend auf der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps3764 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Sch\u00e4tzung der langfristigen durchschnittlichen j\u00e4hrlichen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3765 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewinnwachstumsrate ermittelt, die mit der Annahme, die ein</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3766 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Marktteilnehmer treffen w\u00fcrde, \u00fcbereinstimmt. Um das</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3767 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Wachstum angemessen mit Eigenkapital zu unterlegen,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3768 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">wurden bei der Bewertung sowohl in der Planperiode als auch</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3769 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">bei der Berechnung des Fortf\u00fchrungswertes</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3771 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:163.88pt\">Gewinnthesaurierungen ber\u00fccksichtigt.</span><span class=\"f charStyle-34546584 ps3770\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sensitivit\u00e4tsanalyse per 31.12.2025</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Um die Stabilit\u00e4t der Werthaltigkeitspr\u00fcfung der Firmenwerte</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zu testen, wurde basierend auf den oben angef\u00fchrten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Pr\u00e4missen eine Sensitivit\u00e4tsanalyse vorgenommen. Dabei</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">wurden f\u00fcr diese Analyse die Ver\u00e4nderung des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Diskontierungssatzes und die Verminderung des Wachstums</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der Ergebnisse als relevante Parameter ausgew\u00e4hlt. Die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">nachstehend angef\u00fchrte \u00dcbersicht veranschaulicht, um</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">welches Ausma\u00df sich der Diskontierungssatz erh\u00f6hen bzw. das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Wachstum nach 2026 verringern k\u00f6nnte, ohne dass der Fair</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Value der Zahlungsmittel generierenden Einheiten unter den</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">jeweiligen Buchwert (Eigenkapital zuz\u00fcglich Firmenwert)</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:32.69pt\">absinkt.</span></div><div class=\"ps3791 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:115.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss218\"><div><div class=\"ps3306 ss217\"><span class=\"f charStyle-32bf9c18 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3775 ss220\"><div><div class=\"ps40 ss219\"><span class=\"f charStyle-37455c2a ps3772\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss219\"><span class=\"f charStyle-37455c2a ps3773\">Diskontierungssatz </span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-37455c2a ps3774\">(in %Pkt.)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1783 ss222\"><div><div class=\"ps40 ss221\"><span class=\"f charStyle-37455c2a ps3776\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss221\"><span class=\"f charStyle-37455c2a ps3777\">Wachstum nach </span></div><div class=\"ps2027 ss221\"><span class=\"f charStyle-37455c2a ps3778\">2026 (in %)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3317 ss223\"><div><div class=\"ps291 ss217\"><span class=\"f charStyle-37455c2a ps36\">easybank Franchise \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3780 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3779\">20,09<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3782 ss225\"><div><div class=\"ps291 ss221\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3781\"></span><span class=\"ps3781\">-14,79%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3323 ss223\"><div><div class=\"ps291 ss217\"><span class=\"f charStyle-37455c2a ps36\">Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3784 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3783\">1,37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3786 ss225\"><div><div class=\"ps291 ss221\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3785\"></span><span class=\"ps3785\">-5,00%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3328 ss223\"><div><div class=\"ps291 ss217\"><span class=\"f charStyle-37455c2a ps36\">Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3787 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3783\">2,68<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3788 ss225\"><div><div class=\"ps291 ss221\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3785\"></span><span class=\"ps3785\">-6,32%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3333 ss223\"><div><div class=\"ps291 ss217\"><span class=\"f charStyle-37455c2a ps36\">Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3789 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3783\">2,86<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3790 ss225\"><div><div class=\"ps291 ss221\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3785\"></span><span class=\"ps3785\">-7,83%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3811 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:111.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss227\"><div><div class=\"ps3584 ss226\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3794 ss228\"><div><div class=\"ps1717 ss219\"><span class=\"f charStyle-37455c2a ps3792\">Erh\u00f6hung <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-37455c2a ps3773\">Diskontierungssatz </span></div><div class=\"ps2029 ss219\"><span class=\"f charStyle-37455c2a ps3793\">um 1%</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3799 ss228\"><div><div class=\"ps40 ss219\"><span class=\"f charStyle-e830f798 ps3795\">Verminderung des <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss219\"><span class=\"f charStyle-e830f798 ps3796\">Nettogewinns um </span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-e830f798 ps3797\">10% im Zeitraum </span></div><div class=\"ps2029 ss219\"><span class=\"f charStyle-e830f798 ps3798\">2026\u20132028</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps854 ss229\"><div><div class=\"ps291 ss226\"><span class=\"f charStyle-7ff22fcd ps36\">Vollkonsolidierung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3800 ss230\"><div><div class=\"ps624 ss226\"><span class=\"f charStyle-37455c2a ps621\">easybank Franchise <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss226\"><span class=\"f charStyle-37455c2a ps621\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3803 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3804 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2579 ss230\"><div><div class=\"ps281 ss226\"><span class=\"f charStyle-37455c2a ps621\">Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3805 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3806 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps461 ss230\"><div><div class=\"ps281 ss226\"><span class=\"f charStyle-37455c2a ps621\">Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3807 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3808 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps631 ss230\"><div><div class=\"ps281 ss226\"><span class=\"f charStyle-37455c2a ps621\">Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3809 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3810 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Sensitivit\u00e4tsanalyse per 31.12.2024</span></div><div class=\"ps3833 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:117.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss233\"><div><div class=\"ps2640 ss232\"><span class=\"f charStyle-32bf9c18 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3815 ss235\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-47d94f41 ps3812\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-47d94f41 ps3813\">Diskontierungssatz </span></div><div class=\"ps1792 ss234\"><span class=\"f charStyle-47d94f41 ps3814\">(in %Pkt.)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3819 ss235\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-37455c2a ps3816\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-37455c2a ps3817\">Wachstum nach </span></div><div class=\"ps1792 ss234\"><span class=\"f charStyle-37455c2a ps3818\">2025 (in %)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss236\"><div><div class=\"ps291 ss232\"><span class=\"f charStyle-37455c2a ps36\">easybank Franchise \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3822 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3821\">24,01<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3824 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3823\"></span><span class=\"ps3823\">-19,46%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2648 ss236\"><div><div class=\"ps291 ss232\"><span class=\"f charStyle-37455c2a ps36\">Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3826 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3825\">0,54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3828 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3827\"></span><span class=\"ps3827\">-2,04%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2654 ss236\"><div><div class=\"ps291 ss232\"><span class=\"f charStyle-37455c2a ps36\">Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3829 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3825\">7,07<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3823\"></span><span class=\"ps3823\">-12,97%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss236\"><div><div class=\"ps291 ss232\"><span class=\"f charStyle-37455c2a ps36\">Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3831 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3821\">27,99<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3832 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps1633\">&lt;-20%<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3852 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:117.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss238\"><div><div class=\"ps3584 ss232\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3815 ss239\"><div><div class=\"ps1717 ss234\"><span class=\"f charStyle-73911c54 ps3834\">Erh\u00f6hung <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss234\"><span class=\"f charStyle-73911c54 ps3835\">Diskontierungssatz </span></div><div class=\"ps2029 ss234\"><span class=\"f charStyle-73911c54 ps3836\">um 1%</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3819 ss239\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-883030ce ps3135\">Verminderung des <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss234\"><span class=\"f charStyle-883030ce ps3837\">Nettogewinns um </span></div><div class=\"ps2027 ss234\"><span class=\"f charStyle-883030ce ps3838\">10% im Zeitraum </span></div><div class=\"ps2029 ss234\"><span class=\"f charStyle-883030ce ps3839\">2025\u20132027</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps854 ss236\"><div><div class=\"ps291 ss232\"><span class=\"f charStyle-7ff22fcd ps36\">Vollkonsolidierung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3800 ss240\"><div><div class=\"ps281 ss232\"><span class=\"f charStyle-37455c2a ps621\">easybank Franchise \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3842 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3843 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2579 ss242\"><div><div class=\"ps1717 ss232\"><span class=\"f charStyle-37455c2a ps621\">Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3845 ss243\"><div><div class=\"ps1717 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3844\">-3,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3846 ss243\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2807 ss240\"><div><div class=\"ps281 ss232\"><span class=\"f charStyle-37455c2a ps621\">Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3847 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3848 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3849 ss240\"><div><div class=\"ps281 ss232\"><span class=\"f charStyle-37455c2a ps621\">Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3850 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3851 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-725": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Gesch\u00e4fts- und Firmenwerte, </span><div class=\"ps3412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Markennamen und Kundenst\u00f6cke, </span></div><div class=\"ps3413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Software und andere immaterielle </span></div><div class=\"ps3414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Verm\u00f6gensgegenst\u00e4nde</span></div><div class=\"ps3415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Der Markenname \u201eBAWAG P.S.K.\u201c mit einem Buchwert von</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">114\u00a0Mio.\u00a0\u20ac (2024: 114\u00a0Mio.\u00a0\u20ac), die Kundenbeziehungen von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3417 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Konzernunternehmen mit einem Buchwert von 92\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps3418 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">(2024: 102\u00a0Mio.\u00a0\u20ac) und Software und andere immaterielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3419 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte mit einem Buchwert von 196\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3420 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">180\u00a0Mio.\u00a0\u20ac) geh\u00f6ren zu den wesentlichsten immateriellen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3421 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verm\u00f6genswerten des Konzerns. Der Buchwert der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3422 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kundenbeziehungen wird linear pro rata temporis</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3424 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:60.6pt\">abgeschrieben</span><span class=\"f charStyle-34546584 ps3423\" style=\"width:2.62pt\">.</span></div><div class=\"ps3425 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Posten \u201eGesch\u00e4fts- und Firmenwerte\u201c, \u201eMarkennamen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und Kundenst\u00f6cke\u201c und \u201eSoftware und andere immaterielle</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3427 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte\u201c werden in Note 34 in dem Posten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3428 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:214.71pt\">\u201eImmaterielle Verm\u00f6genswerte\u201c zusammengefasst.</span></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss135\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung der Posten Gesch\u00e4fts- und Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und</span></div><div class=\"ps2467 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">andere immaterielle Verm\u00f6genswerte 2025</span></div></div></div></td></tr><tr style=\"height:47.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss197\"><div><div class=\"ps3429 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3430 ss198\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3433 ss198\"><div><div class=\"ps1792 ss151\"><span class=\"f charStyle-7fa92c59 ps3431\">Anschaffungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-7fa92c59 ps3432\">kosten</span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-7fa92c59 ps3353\">01.01.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3437 ss198\"><div><div class=\"ps624 ss151\"><span class=\"f charStyle-7fa92c59 ps3434\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss151\"><span class=\"f charStyle-7fa92c59 ps3435\">Konsolidie-</span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-7fa92c59 ps3436\">rungskreis </span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-7fa92c59 ps3431\">Anschaffungs-</span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-7fa92c59 ps3432\">kosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3440 ss198\"><div><div class=\"ps1792 ss151\"><span class=\"f charStyle-7fa92c59 ps3434\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-7fa92c59 ps3438\">W\u00e4hrungs-</span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-7fa92c59 ps3439\">umrechnung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3441 ss198\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3316\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3442 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4fts- und Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3443 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">119<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3444 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">683<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3445 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3446 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3320\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3447 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps716 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Markennamen und Kundenst\u00f6cke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3448 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">233<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3449 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">488<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3450 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3451 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3452 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1344 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3453 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">180<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3454 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">668<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3455 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3456 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3457 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">48<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3458 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3459 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">173<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3460 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">652<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3461 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3462 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3463 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">32<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3464 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3465 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">69<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3466 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">447<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3467 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3468 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3469 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3470 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3471 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">104<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3472 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">205<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3473 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3474 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3475 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">26<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3476 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte in Entwicklung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3477 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3478 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3479 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3480 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3481 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2813 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3482 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3483 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3484 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3485 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3486 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3487 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3488 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3489 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3490 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3491 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">15<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps896 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Rechte und Abl\u00f6sezahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3492 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3493 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3494 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3495 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3496 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3502 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss135\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-1d17e36d ps36\">(Fortsetzung) Entwicklung der Posten Gesch\u00e4fts- und Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und </span></div><div class=\"ps2467 ss15\"><span class=\"f charStyle-1d17e36d ps36\">andere immaterielle Verm\u00f6genswerte 2025</span></div></div></div></td></tr><tr style=\"height:47.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss197\"><div><div class=\"ps3429 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3430 ss198\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3343\">Abg\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3433 ss198\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3344\">Umgliede-<span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3345\">rungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3437 ss198\"><div><div class=\"ps1792 ss151\"><span class=\"f charStyle-37455c2a ps3346\">Abschrei-<span class=\"f ps37\"> </span></span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3347\">bungen </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3348\">kumuliert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3440 ss198\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-36b68314 ps3497\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-36b68314 ps3498\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3441 ss198\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-8a8378d9 ps1784\">Zuschreibungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-8a8378d9 ps3499\">(+) und Abschrei-</span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-8a8378d9 ps3500\">bungen (-) </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-8a8378d9 ps3501\">Gesch\u00e4ftsjahr</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3442 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4fts- und Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3443 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3444 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3445 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-564<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps3446 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">117<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3447 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps716 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Markennamen und Kundenst\u00f6cke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3448 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3449 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3450 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-254<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3451 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3452 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1344 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3453 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3454 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3455 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-520<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3456 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">195<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3457 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3458 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3459 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3460 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3461 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-512<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3462 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">176<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3463 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3464 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3465 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3466 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3467 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-389<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3468 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3147\">64<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3469 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-12<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3470 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3471 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3472 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3473 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-123<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3474 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">112<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3475 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-21<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3476 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte in Entwicklung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3477 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3478 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3479 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3480 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3147\">19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3481 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2813 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3482 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3483 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3484 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3485 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3486 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3487 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3488 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3489 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3490 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3147\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3491 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps896 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Rechte und Abl\u00f6sezahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3492 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3493 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3494 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3495 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3496 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss181 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss199\"><div><div class=\"ps276 ss181\"><span class=\"f charStyle-1d17e36d ps36\">Entwicklung der Posten Gesch\u00e4fts- und Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und </span></div><div class=\"ps2467 ss181\"><span class=\"f charStyle-1d17e36d ps36\">andere immaterielle Verm\u00f6genswerte 2024</span></div></div></div></td></tr><tr style=\"height:56.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss194\"><div><div class=\"ps1776 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3430 ss192\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2023<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3433 ss192\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3310\">Anschaffungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3311\">kosten</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3308\">01.01.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3437 ss192\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-37455c2a ps3503\">Konsolidie-</span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3504\">rungskreis </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3310\">Anschaffungs-</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3311\">kosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3440 ss192\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3314\">W\u00e4hrungs-</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3315\">umrechnung</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps448 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4fts- und Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3505 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">118<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3506 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">682<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3507 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3508 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps454 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Markennamen und Kundenst\u00f6cke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3509 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">238<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3510 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">492<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3511 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3512 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps461 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3513 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">177<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3514 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">643<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3515 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3516 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps466 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3517 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">174<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3518 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">632<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3519 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3520 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3521 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3522 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3523 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3524 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3525 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">98<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3526 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">180<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3527 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3528 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte in Entwicklung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3529 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3530 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3531 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3532 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3533 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3534 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3535 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3536 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3537 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3538 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3539 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3540 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Rechte und Abl\u00f6sezahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3541 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3542 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3543 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3544 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3582 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss135\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-1d17e36d ps36\">(Fortsetzung) Entwicklung der Posten Gesch\u00e4fts- und Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und </span></div><div class=\"ps2467 ss15\"><span class=\"f charStyle-1d17e36d ps36\">andere immaterielle Verm\u00f6genswerte 2024</span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss184\"><div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3430 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3316\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3433 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3343\">Abg\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3437 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-47d94f41 ps3545\">Umgliederungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3440 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3346\">Abschrei-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3347\">bungen </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3348\">kumuliert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3441 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4fts- und Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-564<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3546 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">119<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Markennamen und Kundenst\u00f6cke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-245<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">233<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3333 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-487<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3548 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">180<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3338 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3549 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">173<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps872 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3550 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3551 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3552 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3553 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-378<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3554 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">69<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3555 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3556 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3557 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3558 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3559 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-101<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3560 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">104<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3561 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte in Entwicklung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3562 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3563 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3564 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3565 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3566 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3268 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3567 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3568 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3569 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3570 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3571 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2974 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3572 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3573 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3574 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3575 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3576 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2359 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Rechte und Abl\u00f6sezahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3577 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3578 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3579 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3580 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3581 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3602 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:194.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:38.25pt\"><td colspan=\"3\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss200\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-1d17e36d ps36\">(Fortsetzung) Entwicklung der Posten Gesch\u00e4fts- und </span></div><div class=\"ps2467 ss67\"><span class=\"f charStyle-1d17e36d ps36\">Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und </span></div><div class=\"ps3583 ss67\"><span class=\"f charStyle-1d17e36d ps36\">andere immaterielle Verm\u00f6genswerte 2024</span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2879 ss202\"><div><div class=\"ps3584 ss201\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3585 ss203\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-8a8378d9 ps1784\">Zuschreibungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-8a8378d9 ps3499\">(+) und Abschrei-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-8a8378d9 ps3500\">bungen (-) </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-8a8378d9 ps3501\">Gesch\u00e4ftsjahr</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3586 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4fts- und Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3587 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2065 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-7ff22fcd ps36\">Markennamen und Kundenst\u00f6cke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3588 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2073 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-7ff22fcd ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3589 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3590 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3591 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3592 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3593 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3594 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3595 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-20<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1355 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte in Entwicklung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3596 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps746 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3597 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3598 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3599 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3600 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps36\">Rechte und Abl\u00f6sezahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3601 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die folgende Tabelle zeigt die wesentlichen immateriellen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte mit ihrem jeweiligen Buchwert und ihrer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:82.75pt\">Restnutzungsdauer:</span></div><div class=\"ps3127 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:360pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:58.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:38.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss205\"><div><div class=\"ps3603 ss34\"><span class=\"f charStyle-dcb49308 ps36\">Immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3606 ss206\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-584de24a ps3604\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps3605\">per </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025 </span></div><div class=\"ps1348 ss20\"><span class=\"f charStyle-584de24a ps2625\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3609 ss208\"><div><div class=\"ps1792 ss207\"><span class=\"f charStyle-37455c2a ps3607\">Restnutzungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1348 ss207\"><span class=\"f charStyle-37455c2a ps3608\">dauer</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss206\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps3610\">Buchwert per <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps3611\">31.12.2024 in </span></div><div class=\"ps1348 ss20\"><span class=\"f charStyle-37455c2a ps3612\">Mio. \u20ac</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3613 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps3614 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">117<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3615 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">119<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2574 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Firmenwert easybank Franchise \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3616 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3618 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3619 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2888 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Firmenwert Zahn\u00e4rztekasse<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3620 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">24<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3621 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3622 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">24<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3623 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Firmenwert Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3624 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3625 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3626 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3627 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Firmenwert Health Coevo<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3628 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3629 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3630 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3631 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Firmenwert Brokerage Business \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3632 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3633 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3634 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps736 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Markenrechte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3635 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">130<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">130<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1718 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Markenrecht BAWAG P.S.K.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3636 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">114<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3637 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">114<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1722 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Markenrecht Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3638 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3639 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3640 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1723 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Markenrecht Knab<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3641 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3642 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1726 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Markenrecht Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3643 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3644 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps904 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Kundenbeziehungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3645 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps650\">92<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1735 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen BAWAG P.S.K.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3646 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">72<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3648 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3647\">5\u201314 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">77<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3649 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Brokerage Business \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3651 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3647\">6\u201312 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3653 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3654 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3656 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3655\">8 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3658 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen start:bausparkasse \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3661 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3660\">11 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3663 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Knab<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3665 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3655\">9 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3667 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3669 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3655\">2 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3671 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Health Coevo<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3673 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3655\">1 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3675 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Paylife<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3678 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3677\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3680 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-7ff22fcd ps36\">Summe sonstige immaterielle Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">196<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">180<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1979 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kernbankensystem f\u00fcr das Gesch\u00e4ft in \u00d6sterreich (Allegro)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3683 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3684 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3660\">15 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3686 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Markenrechte haben eine unbegrenzte Nutzungsdauer und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3687 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden daher am Ende jedes Jahres, basierend auf dem</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3688 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aktuellen Businessplan und weiteren externen und internen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3689 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Anhaltspunkten, auf einen au\u00dferplanm\u00e4\u00dfigen Abschreibungs-</span></div><div class=\"ps3690 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:77.63pt\">bedarf untersucht.</span></div><div class=\"ps3691 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wenn der Buchwert des Markenrechts h\u00f6her ist als der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3692 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">erzielbare Betrag, wird eine au\u00dferplanm\u00e4\u00dfige Abschreibung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3693 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">erfasst. Der erzielbare Betrag wird mittels einer modifizierten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3694 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Methode der Lizenzpreisanalogie ermittelt. Die BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3695 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">verwendet den beizulegenden Zeitwert abz\u00fcglich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3696 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Ver\u00e4u\u00dferungskosten der Marke als erzielbaren Betrag, wobei</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3697 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Inputparameter der Stufen 2 und 3 verwendet werden.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3698 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Wesentliche Parameter sind markenspezifische Umsatzerl\u00f6se</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3699 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">und die Lizenzrate der Marke. Die Cashflow-Prognosen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3700 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">basieren auf den von der Gesch\u00e4ftsf\u00fchrung des Unternehmens</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps3701 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">geplanten Jahresgewinnen der n\u00e4chsten f\u00fcnf Jahre und einer</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3702 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">ewigen Wachstumsrate (abh\u00e4ngig vom Gesch\u00e4ftsmodell 0,5%</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3703 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">bis 1,0%) danach (2024: 0,5% bis 1,0%). Der Abzinsungssatz</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps3704 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">nach Steuern wurde f\u00fcr die Zahn\u00e4rztekasse mit 7,34%, mit</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps3705 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">9,15% f\u00fcr die Idaho First Bank und f\u00fcr die anderen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3706 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Gesellschaften mit 8,75% festgelegt (2024: Zahn\u00e4rztekasse mit</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3686 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">6,97%, mit 9,02% f\u00fcr die Idaho First Bank und f\u00fcr die anderen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3687 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Gesellschaften mit 9,02% festgelegt). Zus\u00e4tzlich wurde ein</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps3688 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">verm\u00f6genswertspezifischer Diskontierungsaufschlag zwischen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3689 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:215.43pt\">1% und 2% verwendet (2024: zwischen 1% und 2%).</span><span class=\"f charStyle-34546584 ps3707\" style=\"width:2.36pt\"> </span></div><div class=\"ps3708 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Aufgrund der Analysen und Ergebnisse der Impairmenttests</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3691 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">ergab sich zum 31. Dezember 2025 kein au\u00dferplanm\u00e4\u00dfiger</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps3692 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:230.43pt\">Abschreibungsbedarf (2024: Ausbuchung von 1 Mio. \u20ac).</span></div><div class=\"ps3694 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die Kundenbeziehungen wurden auf Wertminderungsbedarf</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3695 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">\u00fcberpr\u00fcft, sofern ein objektiver Hinweis f\u00fcr eine</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3696 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Wertminderung vorlag (beispielsweise ein von der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3697 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">urspr\u00fcnglichen Planung abweichendes Kundenverhalten). Der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps3698 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">beizulegende Zeitwert bzw. Nutzungswert wurde f\u00fcr alle</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3699 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kundenbeziehungen unter Ber\u00fccksichtigung aktueller</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3700 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Erfahrungen zur Kundenbindung, aktueller Cashflow-</span></div><div class=\"ps3701 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Prognosen und Diskontierungss\u00e4tze ermittelt. Der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps3702 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">beizulegende Zeitwert wurde entweder auf Basis des</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps3703 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Nutzungswerts oder des beizulegenden Zeitwerts abz\u00fcglich</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3704 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">der Ver\u00e4u\u00dferungskosten unter Verwendung der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3705 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Residualwertmethode (Multi-Period Excess Earnings Method)</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3706 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">ermittelt, wobei Inputparameter der Stufen 2 und 3 verwendet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">werden. Wesentliche Inputparameter f\u00fcr die Bewertung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kundenbeziehungen waren die kundenspezifischen Ertr\u00e4ge,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">die Kundenabschmelzrate und die Abz\u00fcge f\u00fcr unterst\u00fctzende</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerte (asset charge). Der beizulegende Zeitwert</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">abz\u00fcglich Ver\u00e4u\u00dferungskosten stellt den erzielbaren Betrag</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">aus dem Verkauf zu markt\u00fcblichen Bedingungen dar. Der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Nutzungswert wird durch Abzinsung der Cashflows mit einem</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zinssatz ermittelt, der die aktuellen Marktzinsen und die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:198.53pt\">spezifischen Risiken des Unternehmens enth\u00e4lt.</span><span class=\"f charStyle-34546584 ps3709\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Planungsrechnungen ber\u00fccksichtigen die aktuelle</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">geopolitische Lage. Aufgrund der Analysen und Ergebnisse der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Impairmenttests ergab sich zum 31. Dezember 2025 kein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">au\u00dferplanm\u00e4\u00dfiger Abschreibungsbedarf (2024: Ausbuchungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">von in Summe 3 Mio. \u20ac). Alle Kundenbeziehungen sind dem</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Segment Corporate Center zuzuordnen. Die urspr\u00fcngliche</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bewertung wurde von einem externen Berater durchgef\u00fchrt;</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:218.89pt\">der Wertminderungstest wurde intern durchgef\u00fchrt.</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">\u00dcberpr\u00fcfung von Zahlungsmittel generierenden Einheiten </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">(CGUs) mit einem Gesch\u00e4fts- oder Firmenwert auf </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Wertminderung</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zum Zweck der \u00dcberpr\u00fcfung auf Wertminderung ist folgenden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">CGUs des Konzerns ein Gesch\u00e4fts- oder Firmenwert wie folgt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:84.52pt\">zugeordnet worden:</span></div><div class=\"ps3714 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">easybank Franchise \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">24<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">24<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Brokerage Business \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Firmenwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">117<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">119<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die wesentlichen Annahmen, die bei der Sch\u00e4tzung des</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">erzielbaren Betrags (Nutzungswert) verwendet wurden,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2912 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden nachstehend dargelegt. Die den wesentlichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2913 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Annahmen zugewiesenen Werte stellen die Beurteilung der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zuk\u00fcnftigen Entwicklungen in den relevanten Branchen dar</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2915 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:254.93pt\">und basieren auf Werten von externen und internen Quellen.</span></div><div class=\"ps2924 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Planwerte sind aufgrund der aktuellen geopolitischen Lage</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps2917 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">mit h\u00f6herer Unsicherheit behaftet, was jedoch in den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2918 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Cashflow-Prognosen ber\u00fccksichtigt wurde. Diese Prognosen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2920 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">ber\u00fccksichtigen die aktuellsten Forecasts, einschlie\u00dflich der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2921 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beobachteten und erwarteten Auswirkungen der aktuellen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2925 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">geopolitischen Lage auf die Rentabilit\u00e4t der betreffenden</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2922 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">CGUs. Die Planungsannahmen f\u00fcr den Zeitraum 2026\u20132030</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2926 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">basieren auf den wirtschaftlichen Annahmen der EZB und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2927 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">angemessenen Sch\u00e4tzungen der Risikokosten. Der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2928 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Planungsinput basiert auf der Gesch\u00e4ftsstrategie, die ein</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3715 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">organisches Wachstum im Kernmarkt und eine kontinuierliche</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2929 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:177.17pt\">Verbesserung der Produktpalette vorsieht.</span></div><div class=\"ps797 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:180.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss211\"><div><div class=\"ps277 ss149\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3017 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-584de24a ps2063\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3716 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-37455c2a ps2063\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Abzinsungssatz vor Steuern easybank Franchise <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps3718 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3717\"></span><span class=\"ps3717\">11,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3719 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">11,4%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3720 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Abzinsungssatz vor Steuern Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3722 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">8,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3723 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">8,1%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3328 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-30af65c7 ps36\">Abzinsungssatz vor Steuern Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3724 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3717\"></span><span class=\"ps3717\">13,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3725 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">13,2%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3726 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Abzinsungssatz vor Steuern Brokerage Business <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3728 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3729 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2671 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Abzinsungssatz vor Steuern Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3730 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3717\"></span><span class=\"ps3717\">12,6%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3731 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">12,5%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3732 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) easybank Franchise \u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3733 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3734 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">10,5%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3594 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) Zahn\u00e4rztekasse AG</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3735 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3736 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,7%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3737 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) Health Coevo AG</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3738 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">1,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3739 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">6,5%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps896 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) Brokerage Business \u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3740 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3741 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3742 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) Idaho First Bank</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3743 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">2,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3744 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">18,6%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3745 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate easybank Franchise <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3746 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3747 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3748 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3749 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2729 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3750 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3751 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3752 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate Brokerage Business <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3753 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3754 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3755 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3756 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3757 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3758 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Der Abzinsungssatz der Zahn\u00e4rztekasse AG bezieht sich auf</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps3759 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.79pt\">CHF (2024: CHF), der der Idaho First Bank auf USD (2024: USD).</span></div><div class=\"ps3760 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Cashflow-Prognosen basieren auf den von der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3761 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Gesch\u00e4ftsf\u00fchrung geplanten Jahresgewinnen der n\u00e4chsten 5</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3762 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Jahre und einer ewigen Wachstumsrate danach. Die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3763 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">nachhaltige Wachstumsrate wurde basierend auf der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps3764 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Sch\u00e4tzung der langfristigen durchschnittlichen j\u00e4hrlichen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3765 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewinnwachstumsrate ermittelt, die mit der Annahme, die ein</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3766 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Marktteilnehmer treffen w\u00fcrde, \u00fcbereinstimmt. Um das</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3767 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Wachstum angemessen mit Eigenkapital zu unterlegen,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3768 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">wurden bei der Bewertung sowohl in der Planperiode als auch</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3769 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">bei der Berechnung des Fortf\u00fchrungswertes</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3771 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:163.88pt\">Gewinnthesaurierungen ber\u00fccksichtigt.</span><span class=\"f charStyle-34546584 ps3770\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sensitivit\u00e4tsanalyse per 31.12.2025</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Um die Stabilit\u00e4t der Werthaltigkeitspr\u00fcfung der Firmenwerte</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zu testen, wurde basierend auf den oben angef\u00fchrten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Pr\u00e4missen eine Sensitivit\u00e4tsanalyse vorgenommen. Dabei</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">wurden f\u00fcr diese Analyse die Ver\u00e4nderung des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Diskontierungssatzes und die Verminderung des Wachstums</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der Ergebnisse als relevante Parameter ausgew\u00e4hlt. Die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">nachstehend angef\u00fchrte \u00dcbersicht veranschaulicht, um</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">welches Ausma\u00df sich der Diskontierungssatz erh\u00f6hen bzw. das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Wachstum nach 2026 verringern k\u00f6nnte, ohne dass der Fair</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Value der Zahlungsmittel generierenden Einheiten unter den</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">jeweiligen Buchwert (Eigenkapital zuz\u00fcglich Firmenwert)</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:32.69pt\">absinkt.</span></div><div class=\"ps3791 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:115.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss218\"><div><div class=\"ps3306 ss217\"><span class=\"f charStyle-32bf9c18 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3775 ss220\"><div><div class=\"ps40 ss219\"><span class=\"f charStyle-37455c2a ps3772\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss219\"><span class=\"f charStyle-37455c2a ps3773\">Diskontierungssatz </span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-37455c2a ps3774\">(in %Pkt.)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1783 ss222\"><div><div class=\"ps40 ss221\"><span class=\"f charStyle-37455c2a ps3776\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss221\"><span class=\"f charStyle-37455c2a ps3777\">Wachstum nach </span></div><div class=\"ps2027 ss221\"><span class=\"f charStyle-37455c2a ps3778\">2026 (in %)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3317 ss223\"><div><div class=\"ps291 ss217\"><span class=\"f charStyle-37455c2a ps36\">easybank Franchise \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3780 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3779\">20,09<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3782 ss225\"><div><div class=\"ps291 ss221\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3781\"></span><span class=\"ps3781\">-14,79%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3323 ss223\"><div><div class=\"ps291 ss217\"><span class=\"f charStyle-37455c2a ps36\">Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3784 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3783\">1,37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3786 ss225\"><div><div class=\"ps291 ss221\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3785\"></span><span class=\"ps3785\">-5,00%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3328 ss223\"><div><div class=\"ps291 ss217\"><span class=\"f charStyle-37455c2a ps36\">Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3787 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3783\">2,68<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3788 ss225\"><div><div class=\"ps291 ss221\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3785\"></span><span class=\"ps3785\">-6,32%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3333 ss223\"><div><div class=\"ps291 ss217\"><span class=\"f charStyle-37455c2a ps36\">Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3789 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3783\">2,86<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3790 ss225\"><div><div class=\"ps291 ss221\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3785\"></span><span class=\"ps3785\">-7,83%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3811 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:111.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss227\"><div><div class=\"ps3584 ss226\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3794 ss228\"><div><div class=\"ps1717 ss219\"><span class=\"f charStyle-37455c2a ps3792\">Erh\u00f6hung <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-37455c2a ps3773\">Diskontierungssatz </span></div><div class=\"ps2029 ss219\"><span class=\"f charStyle-37455c2a ps3793\">um 1%</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3799 ss228\"><div><div class=\"ps40 ss219\"><span class=\"f charStyle-e830f798 ps3795\">Verminderung des <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss219\"><span class=\"f charStyle-e830f798 ps3796\">Nettogewinns um </span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-e830f798 ps3797\">10% im Zeitraum </span></div><div class=\"ps2029 ss219\"><span class=\"f charStyle-e830f798 ps3798\">2026\u20132028</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps854 ss229\"><div><div class=\"ps291 ss226\"><span class=\"f charStyle-7ff22fcd ps36\">Vollkonsolidierung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3800 ss230\"><div><div class=\"ps624 ss226\"><span class=\"f charStyle-37455c2a ps621\">easybank Franchise <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss226\"><span class=\"f charStyle-37455c2a ps621\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3803 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3804 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2579 ss230\"><div><div class=\"ps281 ss226\"><span class=\"f charStyle-37455c2a ps621\">Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3805 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3806 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps461 ss230\"><div><div class=\"ps281 ss226\"><span class=\"f charStyle-37455c2a ps621\">Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3807 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3808 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps631 ss230\"><div><div class=\"ps281 ss226\"><span class=\"f charStyle-37455c2a ps621\">Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3809 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3810 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Sensitivit\u00e4tsanalyse per 31.12.2024</span></div><div class=\"ps3833 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:117.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss233\"><div><div class=\"ps2640 ss232\"><span class=\"f charStyle-32bf9c18 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3815 ss235\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-47d94f41 ps3812\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-47d94f41 ps3813\">Diskontierungssatz </span></div><div class=\"ps1792 ss234\"><span class=\"f charStyle-47d94f41 ps3814\">(in %Pkt.)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3819 ss235\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-37455c2a ps3816\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-37455c2a ps3817\">Wachstum nach </span></div><div class=\"ps1792 ss234\"><span class=\"f charStyle-37455c2a ps3818\">2025 (in %)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss236\"><div><div class=\"ps291 ss232\"><span class=\"f charStyle-37455c2a ps36\">easybank Franchise \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3822 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3821\">24,01<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3824 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3823\"></span><span class=\"ps3823\">-19,46%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2648 ss236\"><div><div class=\"ps291 ss232\"><span class=\"f charStyle-37455c2a ps36\">Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3826 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3825\">0,54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3828 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3827\"></span><span class=\"ps3827\">-2,04%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2654 ss236\"><div><div class=\"ps291 ss232\"><span class=\"f charStyle-37455c2a ps36\">Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3829 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3825\">7,07<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3823\"></span><span class=\"ps3823\">-12,97%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss236\"><div><div class=\"ps291 ss232\"><span class=\"f charStyle-37455c2a ps36\">Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3831 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3821\">27,99<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3832 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps1633\">&lt;-20%<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3852 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:117.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss238\"><div><div class=\"ps3584 ss232\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3815 ss239\"><div><div class=\"ps1717 ss234\"><span class=\"f charStyle-73911c54 ps3834\">Erh\u00f6hung <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss234\"><span class=\"f charStyle-73911c54 ps3835\">Diskontierungssatz </span></div><div class=\"ps2029 ss234\"><span class=\"f charStyle-73911c54 ps3836\">um 1%</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3819 ss239\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-883030ce ps3135\">Verminderung des <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss234\"><span class=\"f charStyle-883030ce ps3837\">Nettogewinns um </span></div><div class=\"ps2027 ss234\"><span class=\"f charStyle-883030ce ps3838\">10% im Zeitraum </span></div><div class=\"ps2029 ss234\"><span class=\"f charStyle-883030ce ps3839\">2025\u20132027</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps854 ss236\"><div><div class=\"ps291 ss232\"><span class=\"f charStyle-7ff22fcd ps36\">Vollkonsolidierung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3800 ss240\"><div><div class=\"ps281 ss232\"><span class=\"f charStyle-37455c2a ps621\">easybank Franchise \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3842 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3843 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2579 ss242\"><div><div class=\"ps1717 ss232\"><span class=\"f charStyle-37455c2a ps621\">Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3845 ss243\"><div><div class=\"ps1717 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3844\">-3,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3846 ss243\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2807 ss240\"><div><div class=\"ps281 ss232\"><span class=\"f charStyle-37455c2a ps621\">Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3847 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3848 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3849 ss240\"><div><div class=\"ps281 ss232\"><span class=\"f charStyle-37455c2a ps621\">Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3850 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3851 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps1193 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Sensitivit\u00e4tsanalyse per 31.12.2025 des Markenrechts </span></div><div class=\"ps14 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">BAWAG P.S.K. </span></div><div class=\"ps1196 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Um die Stabilit\u00e4t der Werthaltigkeitspr\u00fcfung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1197 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Markenrechts BAWAG P.S.K. zu testen, wurde basierend auf</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1198 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">den oben angef\u00fchrten Pr\u00e4missen eine Sensitivit\u00e4tsanalyse</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1199 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vorgenommen. Dabei wurden f\u00fcr diese Analyse die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1200 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ver\u00e4nderung des Diskontierungssatzes und die Verminderung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1201 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">des Wachstums der Ergebnisse als relevante Parameter</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1202 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ausgew\u00e4hlt. Die nachstehend angef\u00fchrte \u00dcbersicht</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1203 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">veranschaulicht, um welches Ausma\u00df sich der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1291 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Diskontierungssatz erh\u00f6hen bzw. das Wachstum nach 2026</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1292 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">verringern k\u00f6nnte, ohne dass der Nutzungswert des</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1293 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Markenrechts BAWAG P.S.K. unter den jeweiligen Buchwert</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1205 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:32.69pt\">absinkt.</span></div><div class=\"ps3865 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:114.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss245\"><div><div class=\"ps2640 ss244\"><span class=\"f charStyle-32bf9c18 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3856 ss247\"><div><div class=\"ps624 ss246\"><span class=\"f charStyle-37455c2a ps3853\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss246\"><span class=\"f charStyle-37455c2a ps3854\">Diskontierungs</span></div><div class=\"ps1792 ss246\"><span class=\"f charStyle-37455c2a ps3855\">-satz (in %Pkt.)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3860 ss249\"><div><div class=\"ps624 ss248\"><span class=\"f charStyle-37455c2a ps3857\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss248\"><span class=\"f charStyle-37455c2a ps3858\">Wachstum nach 2026 </span></div><div class=\"ps1792 ss248\"><span class=\"f charStyle-37455c2a ps3859\">(in %)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3820 ss250\"><div><div class=\"ps291 ss244\"><span class=\"f charStyle-37455c2a ps36\">Markenrecht BAWAG P.S.K.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3862 ss251\"><div><div class=\"ps291 ss246\"><span class=\"f charStyle-cc1eb9a4 ps3861\">&gt;20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3864 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps3863\">&lt;-20%<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3880 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:128.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:56.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss254\"><div><div class=\"ps1776 ss253\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3869 ss255\"><div><div class=\"ps1348 ss90\"><span class=\"f charStyle-37455c2a ps3866\">Erh\u00f6hung <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss90\"><span class=\"f charStyle-37455c2a ps3867\">Diskontierungs-</span></div><div class=\"ps1778 ss90\"><span class=\"f charStyle-37455c2a ps3868\">satz um 1%</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3876 ss255\"><div><div class=\"ps624 ss90\"><span class=\"f charStyle-37455c2a ps3870\">Verminderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss90\"><span class=\"f charStyle-37455c2a ps3871\">des </span></div><div class=\"ps1792 ss90\"><span class=\"f charStyle-37455c2a ps3872\">Nettogewinns </span></div><div class=\"ps1348 ss90\"><span class=\"f charStyle-37455c2a ps3873\">um 10% im </span></div><div class=\"ps1781 ss90\"><span class=\"f charStyle-37455c2a ps3874\">Zeitraum 2026\u2013</span></div><div class=\"ps1778 ss90\"><span class=\"f charStyle-37455c2a ps3875\">2028</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps312 ss256\"><div><div class=\"ps281 ss253\"><span class=\"f charStyle-37455c2a ps36\">Markenrecht BAWAG P.S.K.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3878 ss91\"><div><div class=\"ps624 ss90\"><span class=\"f charStyle-f346ca35 ps3877\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss90\"><span class=\"f charStyle-f346ca35 ps36\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3879 ss91\"><div><div class=\"ps624 ss90\"><span class=\"f charStyle-f346ca35 ps3877\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss90\"><span class=\"f charStyle-f346ca35 ps36\">Wertminderung</span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sensitivit\u00e4tsanalyse per 31.12.2024 des Markenrechts </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">BAWAG P.S.K. </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Um die Stabilit\u00e4t der Werthaltigkeitspr\u00fcfung des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Markenrechts BAWAG P.S.K. zu testen, wurde basierend auf</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">den oben angef\u00fchrten Pr\u00e4missen eine Sensitivit\u00e4tsanalyse</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">vorgenommen. Dabei wurden f\u00fcr diese Analyse die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ver\u00e4nderung des Diskontierungssatzes und die Verminderung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">des Wachstums der Ergebnisse als relevante Parameter</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">ausgew\u00e4hlt. Die nachstehend angef\u00fchrte \u00dcbersicht</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">veranschaulicht, um welches Ausma\u00df sich der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Diskontierungssatz erh\u00f6hen bzw. das Wachstum nach 2025</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">verringern k\u00f6nnte, ohne dass der Nutzungswert des</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Markenrechts BAWAG P.S.K. unter den jeweiligen Buchwert</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:32.69pt\">absinkt.</span></div><div class=\"ps797 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:128.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss257\"><div><div class=\"ps2640 ss253\"><span class=\"f charStyle-32bf9c18 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3869 ss258\"><div><div class=\"ps624 ss90\"><span class=\"f charStyle-37455c2a ps3881\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss90\"><span class=\"f charStyle-37455c2a ps3867\">Diskontierungs-</span></div><div class=\"ps1792 ss90\"><span class=\"f charStyle-37455c2a ps3882\">satz (in %Pkt.)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3876 ss258\"><div><div class=\"ps624 ss90\"><span class=\"f charStyle-37455c2a ps3881\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss90\"><span class=\"f charStyle-37455c2a ps3883\">Wachstum nach </span></div><div class=\"ps1792 ss90\"><span class=\"f charStyle-37455c2a ps3884\">2025 (in %)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3820 ss259\"><div><div class=\"ps291 ss253\"><span class=\"f charStyle-37455c2a ps36\">Markenrecht BAWAG P.S.K.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3886 ss93\"><div><div class=\"ps291 ss90\"><span class=\"f charStyle-cc1eb9a4 ps3885\">&gt;20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3888 ss93\"><div><div class=\"ps291 ss90\"><span class=\"f charStyle-cc1eb9a4 ps3887\">&lt;-20%<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3896 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:128.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:56.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss254\"><div><div class=\"ps1776 ss253\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3869 ss255\"><div><div class=\"ps1348 ss90\"><span class=\"f charStyle-47d94f41 ps3436\">Erh\u00f6hung <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss90\"><span class=\"f charStyle-47d94f41 ps3889\">Diskontierungs-</span></div><div class=\"ps1778 ss90\"><span class=\"f charStyle-47d94f41 ps3890\">satz um 1%</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3876 ss255\"><div><div class=\"ps624 ss90\"><span class=\"f charStyle-47d94f41 ps2050\">Verminderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss90\"><span class=\"f charStyle-47d94f41 ps3891\">des </span></div><div class=\"ps1792 ss90\"><span class=\"f charStyle-47d94f41 ps3892\">Nettogewinns </span></div><div class=\"ps1348 ss90\"><span class=\"f charStyle-47d94f41 ps3893\">um 10% im </span></div><div class=\"ps1781 ss90\"><span class=\"f charStyle-47d94f41 ps3894\">Zeitraum 2025\u2013</span></div><div class=\"ps1778 ss90\"><span class=\"f charStyle-47d94f41 ps3895\">2027</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps312 ss256\"><div><div class=\"ps281 ss253\"><span class=\"f charStyle-37455c2a ps36\">Markenrecht BAWAG P.S.K.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3878 ss91\"><div><div class=\"ps624 ss90\"><span class=\"f charStyle-f346ca35 ps3877\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss90\"><span class=\"f charStyle-f346ca35 ps36\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3879 ss91\"><div><div class=\"ps624 ss90\"><span class=\"f charStyle-f346ca35 ps3877\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss90\"><span class=\"f charStyle-f346ca35 ps36\">Wertminderung</span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsAndGoodwillExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-724": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Gesch\u00e4fts- und Firmenwerte, </span><div class=\"ps3412 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Markennamen und Kundenst\u00f6cke, </span></div><div class=\"ps3413 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Software und andere immaterielle </span></div><div class=\"ps3414 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Verm\u00f6gensgegenst\u00e4nde</span></div><div class=\"ps3415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Der Markenname \u201eBAWAG P.S.K.\u201c mit einem Buchwert von</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">114\u00a0Mio.\u00a0\u20ac (2024: 114\u00a0Mio.\u00a0\u20ac), die Kundenbeziehungen von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3417 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Konzernunternehmen mit einem Buchwert von 92\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps3418 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">(2024: 102\u00a0Mio.\u00a0\u20ac) und Software und andere immaterielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3419 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte mit einem Buchwert von 196\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3420 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">180\u00a0Mio.\u00a0\u20ac) geh\u00f6ren zu den wesentlichsten immateriellen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3421 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verm\u00f6genswerten des Konzerns. Der Buchwert der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3422 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kundenbeziehungen wird linear pro rata temporis</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3424 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:60.6pt\">abgeschrieben</span><span class=\"f charStyle-34546584 ps3423\" style=\"width:2.62pt\">.</span></div><div class=\"ps3425 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Posten \u201eGesch\u00e4fts- und Firmenwerte\u201c, \u201eMarkennamen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und Kundenst\u00f6cke\u201c und \u201eSoftware und andere immaterielle</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3427 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte\u201c werden in Note 34 in dem Posten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3428 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:214.71pt\">\u201eImmaterielle Verm\u00f6genswerte\u201c zusammengefasst.</span></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss135\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung der Posten Gesch\u00e4fts- und Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und</span></div><div class=\"ps2467 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">andere immaterielle Verm\u00f6genswerte 2025</span></div></div></div></td></tr><tr style=\"height:47.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss197\"><div><div class=\"ps3429 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3430 ss198\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3433 ss198\"><div><div class=\"ps1792 ss151\"><span class=\"f charStyle-7fa92c59 ps3431\">Anschaffungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-7fa92c59 ps3432\">kosten</span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-7fa92c59 ps3353\">01.01.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3437 ss198\"><div><div class=\"ps624 ss151\"><span class=\"f charStyle-7fa92c59 ps3434\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss151\"><span class=\"f charStyle-7fa92c59 ps3435\">Konsolidie-</span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-7fa92c59 ps3436\">rungskreis </span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-7fa92c59 ps3431\">Anschaffungs-</span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-7fa92c59 ps3432\">kosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3440 ss198\"><div><div class=\"ps1792 ss151\"><span class=\"f charStyle-7fa92c59 ps3434\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-7fa92c59 ps3438\">W\u00e4hrungs-</span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-7fa92c59 ps3439\">umrechnung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3441 ss198\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3316\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3442 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4fts- und Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3443 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">119<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3444 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">683<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3445 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3446 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3320\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3447 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps716 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Markennamen und Kundenst\u00f6cke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3448 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">233<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3449 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">488<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3450 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3451 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3452 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1344 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3453 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">180<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3454 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">668<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3455 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3456 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3457 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">48<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3458 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3459 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">173<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3460 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">652<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3461 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3462 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3463 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">32<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3464 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3465 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">69<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3466 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">447<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3467 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3468 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3469 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3470 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3471 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">104<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3472 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">205<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3473 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3474 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3475 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">26<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3476 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte in Entwicklung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3477 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3478 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3479 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3480 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3481 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2813 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3482 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3483 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3484 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3485 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3486 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3487 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3488 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3489 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3490 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3491 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">15<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps896 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Rechte und Abl\u00f6sezahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3492 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3493 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3494 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3495 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3496 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3502 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss135\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-1d17e36d ps36\">(Fortsetzung) Entwicklung der Posten Gesch\u00e4fts- und Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und </span></div><div class=\"ps2467 ss15\"><span class=\"f charStyle-1d17e36d ps36\">andere immaterielle Verm\u00f6genswerte 2025</span></div></div></div></td></tr><tr style=\"height:47.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss197\"><div><div class=\"ps3429 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3430 ss198\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3343\">Abg\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3433 ss198\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3344\">Umgliede-<span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3345\">rungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3437 ss198\"><div><div class=\"ps1792 ss151\"><span class=\"f charStyle-37455c2a ps3346\">Abschrei-<span class=\"f ps37\"> </span></span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3347\">bungen </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3348\">kumuliert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3440 ss198\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-36b68314 ps3497\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-36b68314 ps3498\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3441 ss198\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-8a8378d9 ps1784\">Zuschreibungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-8a8378d9 ps3499\">(+) und Abschrei-</span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-8a8378d9 ps3500\">bungen (-) </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-8a8378d9 ps3501\">Gesch\u00e4ftsjahr</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3442 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4fts- und Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3443 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3444 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3445 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-564<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps3446 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">117<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3447 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps716 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Markennamen und Kundenst\u00f6cke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3448 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3449 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3450 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-254<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3451 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3452 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1344 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3453 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3454 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3455 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-520<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3456 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">195<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3457 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3458 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3459 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3460 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3461 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-512<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3462 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">176<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3463 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3464 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3465 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3466 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3467 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-389<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3468 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3147\">64<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3469 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-12<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3470 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3471 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3472 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3473 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-123<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3474 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3049\">112<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3475 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-21<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3476 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte in Entwicklung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3477 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3478 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3479 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3480 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3147\">19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3481 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2813 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3482 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3483 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3484 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3485 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3486 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3487 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3488 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3489 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3490 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3147\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3491 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps896 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Rechte und Abl\u00f6sezahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3492 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3493 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3494 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3495 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-36b68314 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3496 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss181 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss199\"><div><div class=\"ps276 ss181\"><span class=\"f charStyle-1d17e36d ps36\">Entwicklung der Posten Gesch\u00e4fts- und Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und </span></div><div class=\"ps2467 ss181\"><span class=\"f charStyle-1d17e36d ps36\">andere immaterielle Verm\u00f6genswerte 2024</span></div></div></div></td></tr><tr style=\"height:56.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss194\"><div><div class=\"ps1776 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3430 ss192\"><div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2023<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3433 ss192\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3310\">Anschaffungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3311\">kosten</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3308\">01.01.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3437 ss192\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss151\"><span class=\"f charStyle-37455c2a ps3503\">Konsolidie-</span></div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3504\">rungskreis </span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3310\">Anschaffungs-</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3311\">kosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3440 ss192\"><div><div class=\"ps1348 ss151\"><span class=\"f charStyle-37455c2a ps3313\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss151\"><span class=\"f charStyle-37455c2a ps3314\">W\u00e4hrungs-</span></div><div class=\"ps1778 ss151\"><span class=\"f charStyle-37455c2a ps3315\">umrechnung</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps448 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4fts- und Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3505 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">118<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3506 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">682<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3507 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3508 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps454 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Markennamen und Kundenst\u00f6cke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3509 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">238<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3510 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">492<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3511 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3512 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps461 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3513 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">177<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3514 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">643<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3515 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3516 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps466 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3517 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">174<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3518 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">632<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3519 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3520 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3521 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3522 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3523 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3524 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3525 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">98<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3526 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">180<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3527 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3528 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte in Entwicklung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3529 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3530 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3531 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3532 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3533 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3534 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3535 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3536 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3537 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3538 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3539 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3540 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Rechte und Abl\u00f6sezahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3541 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3542 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3543 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3544 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3582 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss135\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-1d17e36d ps36\">(Fortsetzung) Entwicklung der Posten Gesch\u00e4fts- und Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und </span></div><div class=\"ps2467 ss15\"><span class=\"f charStyle-1d17e36d ps36\">andere immaterielle Verm\u00f6genswerte 2024</span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss184\"><div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3430 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3316\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3433 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3343\">Abg\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3437 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-47d94f41 ps3545\">Umgliederungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3440 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps3346\">Abschrei-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3347\">bungen </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3348\">kumuliert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3441 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps3307\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3308\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4fts- und Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-564<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3546 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">119<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Markennamen und Kundenst\u00f6cke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-245<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">233<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3333 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps1229\">-487<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3548 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">180<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3338 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3549 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">173<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps872 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3550 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3551 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3552 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3553 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-378<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3554 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">69<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3555 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3556 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3557 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3558 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3559 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-101<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3560 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">104<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3561 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte in Entwicklung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3562 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3563 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3564 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3565 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3566 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3268 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3567 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3568 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3569 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3570 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3571 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2974 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3572 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3573 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3574 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3575 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3576 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2359 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Rechte und Abl\u00f6sezahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3577 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3578 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3579 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3580 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3581 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3602 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:194.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:38.25pt\"><td colspan=\"3\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss200\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-1d17e36d ps36\">(Fortsetzung) Entwicklung der Posten Gesch\u00e4fts- und </span></div><div class=\"ps2467 ss67\"><span class=\"f charStyle-1d17e36d ps36\">Firmenwerte, Markennamen und Kundenst\u00f6cke, Software und </span></div><div class=\"ps3583 ss67\"><span class=\"f charStyle-1d17e36d ps36\">andere immaterielle Verm\u00f6genswerte 2024</span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2879 ss202\"><div><div class=\"ps3584 ss201\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3585 ss203\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-8a8378d9 ps1784\">Zuschreibungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-8a8378d9 ps3499\">(+) und Abschrei-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-8a8378d9 ps3500\">bungen (-) </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-8a8378d9 ps3501\">Gesch\u00e4ftsjahr</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3586 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4fts- und Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3587 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2065 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-7ff22fcd ps36\">Markennamen und Kundenst\u00f6cke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3588 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2073 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-7ff22fcd ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3589 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3357\">-33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3590 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps36\">Software und andere immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3591 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3592 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3593 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3594 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3595 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-20<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1355 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte in Entwicklung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3596 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps746 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps621\">davon erworben<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3597 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3598 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps621\">davon selbsterstellt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3599 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3600 ss204\"><div><div class=\"ps291 ss201\"><span class=\"f charStyle-37455c2a ps36\">Rechte und Abl\u00f6sezahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3601 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die folgende Tabelle zeigt die wesentlichen immateriellen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte mit ihrem jeweiligen Buchwert und ihrer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:82.75pt\">Restnutzungsdauer:</span></div><div class=\"ps3127 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:360pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:58.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:38.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss205\"><div><div class=\"ps3603 ss34\"><span class=\"f charStyle-dcb49308 ps36\">Immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3606 ss206\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-584de24a ps3604\">Buchwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps3605\">per </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025 </span></div><div class=\"ps1348 ss20\"><span class=\"f charStyle-584de24a ps2625\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3609 ss208\"><div><div class=\"ps1792 ss207\"><span class=\"f charStyle-37455c2a ps3607\">Restnutzungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1348 ss207\"><span class=\"f charStyle-37455c2a ps3608\">dauer</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss206\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps3610\">Buchwert per <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps3611\">31.12.2024 in </span></div><div class=\"ps1348 ss20\"><span class=\"f charStyle-37455c2a ps3612\">Mio. \u20ac</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3613 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Firmenwerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps3614 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">117<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3615 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">119<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2574 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Firmenwert easybank Franchise \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3616 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3618 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3619 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2888 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Firmenwert Zahn\u00e4rztekasse<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3620 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">24<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3621 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3622 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">24<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3623 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Firmenwert Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3624 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3625 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3626 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3627 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Firmenwert Health Coevo<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3628 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3629 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3630 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3631 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Firmenwert Brokerage Business \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3632 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3633 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3634 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps736 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Markenrechte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3635 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">130<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">130<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1718 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Markenrecht BAWAG P.S.K.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3636 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">114<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3637 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">114<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1722 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Markenrecht Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3638 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3639 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3640 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1723 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Markenrecht Knab<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3641 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3642 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1726 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Markenrecht Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3643 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3644 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3617\">unbegrenzt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps904 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Kundenbeziehungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3645 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps650\">92<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1735 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen BAWAG P.S.K.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3646 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">72<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3648 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3647\">5\u201314 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">77<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3649 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Brokerage Business \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3651 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3647\">6\u201312 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3653 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3654 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3656 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3655\">8 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3658 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen start:bausparkasse \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3661 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3660\">11 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3663 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Knab<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3665 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3655\">9 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3667 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3669 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3655\">2 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3671 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Health Coevo<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3673 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3655\">1 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3675 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kundenbeziehungen Paylife<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3678 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3677\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3680 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-7ff22fcd ps36\">Summe sonstige immaterielle Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">196<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">180<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1979 ss209\"><div><div class=\"ps291 ss34\"><span class=\"f charStyle-37455c2a ps36\">davon: Kernbankensystem f\u00fcr das Gesch\u00e4ft in \u00d6sterreich (Allegro)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3683 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3684 ss210\"><div><div class=\"ps291 ss207\"><span class=\"f charStyle-cc1eb9a4 ps3660\">15 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3686 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Markenrechte haben eine unbegrenzte Nutzungsdauer und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3687 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden daher am Ende jedes Jahres, basierend auf dem</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3688 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aktuellen Businessplan und weiteren externen und internen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3689 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Anhaltspunkten, auf einen au\u00dferplanm\u00e4\u00dfigen Abschreibungs-</span></div><div class=\"ps3690 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:77.63pt\">bedarf untersucht.</span></div><div class=\"ps3691 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wenn der Buchwert des Markenrechts h\u00f6her ist als der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3692 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">erzielbare Betrag, wird eine au\u00dferplanm\u00e4\u00dfige Abschreibung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3693 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">erfasst. Der erzielbare Betrag wird mittels einer modifizierten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3694 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Methode der Lizenzpreisanalogie ermittelt. Die BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3695 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">verwendet den beizulegenden Zeitwert abz\u00fcglich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3696 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Ver\u00e4u\u00dferungskosten der Marke als erzielbaren Betrag, wobei</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3697 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Inputparameter der Stufen 2 und 3 verwendet werden.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3698 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Wesentliche Parameter sind markenspezifische Umsatzerl\u00f6se</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3699 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">und die Lizenzrate der Marke. Die Cashflow-Prognosen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3700 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">basieren auf den von der Gesch\u00e4ftsf\u00fchrung des Unternehmens</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps3701 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">geplanten Jahresgewinnen der n\u00e4chsten f\u00fcnf Jahre und einer</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3702 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">ewigen Wachstumsrate (abh\u00e4ngig vom Gesch\u00e4ftsmodell 0,5%</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3703 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">bis 1,0%) danach (2024: 0,5% bis 1,0%). Der Abzinsungssatz</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps3704 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">nach Steuern wurde f\u00fcr die Zahn\u00e4rztekasse mit 7,34%, mit</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps3705 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">9,15% f\u00fcr die Idaho First Bank und f\u00fcr die anderen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3706 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Gesellschaften mit 8,75% festgelegt (2024: Zahn\u00e4rztekasse mit</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3686 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">6,97%, mit 9,02% f\u00fcr die Idaho First Bank und f\u00fcr die anderen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3687 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Gesellschaften mit 9,02% festgelegt). Zus\u00e4tzlich wurde ein</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps3688 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">verm\u00f6genswertspezifischer Diskontierungsaufschlag zwischen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3689 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:215.43pt\">1% und 2% verwendet (2024: zwischen 1% und 2%).</span><span class=\"f charStyle-34546584 ps3707\" style=\"width:2.36pt\"> </span></div><div class=\"ps3708 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Aufgrund der Analysen und Ergebnisse der Impairmenttests</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3691 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">ergab sich zum 31. Dezember 2025 kein au\u00dferplanm\u00e4\u00dfiger</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps3692 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:230.43pt\">Abschreibungsbedarf (2024: Ausbuchung von 1 Mio. \u20ac).</span></div><div class=\"ps3694 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die Kundenbeziehungen wurden auf Wertminderungsbedarf</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3695 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">\u00fcberpr\u00fcft, sofern ein objektiver Hinweis f\u00fcr eine</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3696 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Wertminderung vorlag (beispielsweise ein von der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3697 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">urspr\u00fcnglichen Planung abweichendes Kundenverhalten). Der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps3698 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">beizulegende Zeitwert bzw. Nutzungswert wurde f\u00fcr alle</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3699 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kundenbeziehungen unter Ber\u00fccksichtigung aktueller</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3700 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Erfahrungen zur Kundenbindung, aktueller Cashflow-</span></div><div class=\"ps3701 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Prognosen und Diskontierungss\u00e4tze ermittelt. Der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps3702 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">beizulegende Zeitwert wurde entweder auf Basis des</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps3703 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Nutzungswerts oder des beizulegenden Zeitwerts abz\u00fcglich</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3704 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">der Ver\u00e4u\u00dferungskosten unter Verwendung der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3705 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Residualwertmethode (Multi-Period Excess Earnings Method)</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3706 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">ermittelt, wobei Inputparameter der Stufen 2 und 3 verwendet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">werden. Wesentliche Inputparameter f\u00fcr die Bewertung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kundenbeziehungen waren die kundenspezifischen Ertr\u00e4ge,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">die Kundenabschmelzrate und die Abz\u00fcge f\u00fcr unterst\u00fctzende</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verm\u00f6genswerte (asset charge). Der beizulegende Zeitwert</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">abz\u00fcglich Ver\u00e4u\u00dferungskosten stellt den erzielbaren Betrag</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">aus dem Verkauf zu markt\u00fcblichen Bedingungen dar. Der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Nutzungswert wird durch Abzinsung der Cashflows mit einem</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zinssatz ermittelt, der die aktuellen Marktzinsen und die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:198.53pt\">spezifischen Risiken des Unternehmens enth\u00e4lt.</span><span class=\"f charStyle-34546584 ps3709\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Planungsrechnungen ber\u00fccksichtigen die aktuelle</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">geopolitische Lage. Aufgrund der Analysen und Ergebnisse der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Impairmenttests ergab sich zum 31. Dezember 2025 kein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">au\u00dferplanm\u00e4\u00dfiger Abschreibungsbedarf (2024: Ausbuchungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">von in Summe 3 Mio. \u20ac). Alle Kundenbeziehungen sind dem</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Segment Corporate Center zuzuordnen. Die urspr\u00fcngliche</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bewertung wurde von einem externen Berater durchgef\u00fchrt;</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:218.89pt\">der Wertminderungstest wurde intern durchgef\u00fchrt.</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">\u00dcberpr\u00fcfung von Zahlungsmittel generierenden Einheiten </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">(CGUs) mit einem Gesch\u00e4fts- oder Firmenwert auf </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Wertminderung</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zum Zweck der \u00dcberpr\u00fcfung auf Wertminderung ist folgenden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">CGUs des Konzerns ein Gesch\u00e4fts- oder Firmenwert wie folgt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:84.52pt\">zugeordnet worden:</span></div><div class=\"ps3714 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">easybank Franchise \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">24<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">24<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Brokerage Business \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Firmenwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">117<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">119<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die wesentlichen Annahmen, die bei der Sch\u00e4tzung des</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">erzielbaren Betrags (Nutzungswert) verwendet wurden,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps2912 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden nachstehend dargelegt. Die den wesentlichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2913 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Annahmen zugewiesenen Werte stellen die Beurteilung der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zuk\u00fcnftigen Entwicklungen in den relevanten Branchen dar</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2915 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:254.93pt\">und basieren auf Werten von externen und internen Quellen.</span></div><div class=\"ps2924 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Planwerte sind aufgrund der aktuellen geopolitischen Lage</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps2917 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">mit h\u00f6herer Unsicherheit behaftet, was jedoch in den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2918 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Cashflow-Prognosen ber\u00fccksichtigt wurde. Diese Prognosen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2920 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">ber\u00fccksichtigen die aktuellsten Forecasts, einschlie\u00dflich der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2921 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beobachteten und erwarteten Auswirkungen der aktuellen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2925 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">geopolitischen Lage auf die Rentabilit\u00e4t der betreffenden</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps2922 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">CGUs. Die Planungsannahmen f\u00fcr den Zeitraum 2026\u20132030</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2926 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">basieren auf den wirtschaftlichen Annahmen der EZB und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2927 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">angemessenen Sch\u00e4tzungen der Risikokosten. Der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2928 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Planungsinput basiert auf der Gesch\u00e4ftsstrategie, die ein</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3715 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">organisches Wachstum im Kernmarkt und eine kontinuierliche</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2929 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:177.17pt\">Verbesserung der Produktpalette vorsieht.</span></div><div class=\"ps797 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:180.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss211\"><div><div class=\"ps277 ss149\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps3017 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-584de24a ps2063\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3716 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-37455c2a ps2063\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Abzinsungssatz vor Steuern easybank Franchise <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps3718 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3717\"></span><span class=\"ps3717\">11,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3719 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">11,4%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3720 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Abzinsungssatz vor Steuern Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3722 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">8,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3723 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">8,1%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3328 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-30af65c7 ps36\">Abzinsungssatz vor Steuern Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3724 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3717\"></span><span class=\"ps3717\">13,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3725 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">13,2%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3726 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Abzinsungssatz vor Steuern Brokerage Business <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3728 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3729 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2671 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Abzinsungssatz vor Steuern Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3730 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3717\"></span><span class=\"ps3717\">12,6%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3731 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">12,5%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3732 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) easybank Franchise \u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3733 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3734 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">10,5%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3594 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) Zahn\u00e4rztekasse AG</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3735 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3736 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,7%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3737 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) Health Coevo AG</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3738 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">1,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3739 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">6,5%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps896 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) Brokerage Business \u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3740 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3741 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3742 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Geplante Gewinnwachstumsrate (Durchschnitt der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">n\u00e4chsten 5 Jahre) Idaho First Bank</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3743 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">2,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3744 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3717\"></span><span class=\"ps3717\">18,6%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3745 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate easybank Franchise <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3746 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3747 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3748 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3749 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2729 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3750 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3751 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3752 ss213\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate Brokerage Business <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss149\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3753 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3754 ss214\"><div><div class=\"ps1717 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3727\"></span><span class=\"ps3727\">\u2014%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3755 ss215\"><div><div class=\"ps40 ss149\"><span class=\"f charStyle-37455c2a ps36\">Nachhaltige Wachstumsrate Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3756 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-71900c34\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3757 ss216\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3721\"></span><span class=\"ps3721\">0,5%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3758 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Der Abzinsungssatz der Zahn\u00e4rztekasse AG bezieht sich auf</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps3759 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.79pt\">CHF (2024: CHF), der der Idaho First Bank auf USD (2024: USD).</span></div><div class=\"ps3760 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Cashflow-Prognosen basieren auf den von der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3761 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Gesch\u00e4ftsf\u00fchrung geplanten Jahresgewinnen der n\u00e4chsten 5</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3762 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Jahre und einer ewigen Wachstumsrate danach. Die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3763 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">nachhaltige Wachstumsrate wurde basierend auf der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps3764 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Sch\u00e4tzung der langfristigen durchschnittlichen j\u00e4hrlichen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3765 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewinnwachstumsrate ermittelt, die mit der Annahme, die ein</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3766 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Marktteilnehmer treffen w\u00fcrde, \u00fcbereinstimmt. Um das</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3767 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Wachstum angemessen mit Eigenkapital zu unterlegen,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3768 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">wurden bei der Bewertung sowohl in der Planperiode als auch</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3769 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">bei der Berechnung des Fortf\u00fchrungswertes</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3771 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:163.88pt\">Gewinnthesaurierungen ber\u00fccksichtigt.</span><span class=\"f charStyle-34546584 ps3770\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sensitivit\u00e4tsanalyse per 31.12.2025</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Um die Stabilit\u00e4t der Werthaltigkeitspr\u00fcfung der Firmenwerte</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zu testen, wurde basierend auf den oben angef\u00fchrten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Pr\u00e4missen eine Sensitivit\u00e4tsanalyse vorgenommen. Dabei</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">wurden f\u00fcr diese Analyse die Ver\u00e4nderung des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Diskontierungssatzes und die Verminderung des Wachstums</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der Ergebnisse als relevante Parameter ausgew\u00e4hlt. Die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">nachstehend angef\u00fchrte \u00dcbersicht veranschaulicht, um</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">welches Ausma\u00df sich der Diskontierungssatz erh\u00f6hen bzw. das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Wachstum nach 2026 verringern k\u00f6nnte, ohne dass der Fair</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Value der Zahlungsmittel generierenden Einheiten unter den</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">jeweiligen Buchwert (Eigenkapital zuz\u00fcglich Firmenwert)</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:32.69pt\">absinkt.</span></div><div class=\"ps3791 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:115.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss218\"><div><div class=\"ps3306 ss217\"><span class=\"f charStyle-32bf9c18 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3775 ss220\"><div><div class=\"ps40 ss219\"><span class=\"f charStyle-37455c2a ps3772\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss219\"><span class=\"f charStyle-37455c2a ps3773\">Diskontierungssatz </span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-37455c2a ps3774\">(in %Pkt.)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps1783 ss222\"><div><div class=\"ps40 ss221\"><span class=\"f charStyle-37455c2a ps3776\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss221\"><span class=\"f charStyle-37455c2a ps3777\">Wachstum nach </span></div><div class=\"ps2027 ss221\"><span class=\"f charStyle-37455c2a ps3778\">2026 (in %)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3317 ss223\"><div><div class=\"ps291 ss217\"><span class=\"f charStyle-37455c2a ps36\">easybank Franchise \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3780 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3779\">20,09<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3782 ss225\"><div><div class=\"ps291 ss221\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3781\"></span><span class=\"ps3781\">-14,79%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3323 ss223\"><div><div class=\"ps291 ss217\"><span class=\"f charStyle-37455c2a ps36\">Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3784 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3783\">1,37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3786 ss225\"><div><div class=\"ps291 ss221\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3785\"></span><span class=\"ps3785\">-5,00%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3328 ss223\"><div><div class=\"ps291 ss217\"><span class=\"f charStyle-37455c2a ps36\">Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3787 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3783\">2,68<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3788 ss225\"><div><div class=\"ps291 ss221\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3785\"></span><span class=\"ps3785\">-6,32%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3333 ss223\"><div><div class=\"ps291 ss217\"><span class=\"f charStyle-37455c2a ps36\">Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3789 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3783\">2,86<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3790 ss225\"><div><div class=\"ps291 ss221\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3785\"></span><span class=\"ps3785\">-7,83%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3811 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:111.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss227\"><div><div class=\"ps3584 ss226\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3794 ss228\"><div><div class=\"ps1717 ss219\"><span class=\"f charStyle-37455c2a ps3792\">Erh\u00f6hung <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-37455c2a ps3773\">Diskontierungssatz </span></div><div class=\"ps2029 ss219\"><span class=\"f charStyle-37455c2a ps3793\">um 1%</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3799 ss228\"><div><div class=\"ps40 ss219\"><span class=\"f charStyle-e830f798 ps3795\">Verminderung des <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss219\"><span class=\"f charStyle-e830f798 ps3796\">Nettogewinns um </span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-e830f798 ps3797\">10% im Zeitraum </span></div><div class=\"ps2029 ss219\"><span class=\"f charStyle-e830f798 ps3798\">2026\u20132028</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps854 ss229\"><div><div class=\"ps291 ss226\"><span class=\"f charStyle-7ff22fcd ps36\">Vollkonsolidierung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3800 ss230\"><div><div class=\"ps624 ss226\"><span class=\"f charStyle-37455c2a ps621\">easybank Franchise <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss226\"><span class=\"f charStyle-37455c2a ps621\">\u00d6sterreich</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3803 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3804 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2579 ss230\"><div><div class=\"ps281 ss226\"><span class=\"f charStyle-37455c2a ps621\">Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3805 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3806 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps461 ss230\"><div><div class=\"ps281 ss226\"><span class=\"f charStyle-37455c2a ps621\">Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3807 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3808 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps631 ss230\"><div><div class=\"ps281 ss226\"><span class=\"f charStyle-37455c2a ps621\">Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3809 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3810 ss231\"><div><div class=\"ps624 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3801\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3802\">Wertminderung</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Sensitivit\u00e4tsanalyse per 31.12.2024</span></div><div class=\"ps3833 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:117.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss233\"><div><div class=\"ps2640 ss232\"><span class=\"f charStyle-32bf9c18 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3815 ss235\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-47d94f41 ps3812\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-47d94f41 ps3813\">Diskontierungssatz </span></div><div class=\"ps1792 ss234\"><span class=\"f charStyle-47d94f41 ps3814\">(in %Pkt.)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3819 ss235\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-37455c2a ps3816\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-37455c2a ps3817\">Wachstum nach </span></div><div class=\"ps1792 ss234\"><span class=\"f charStyle-37455c2a ps3818\">2025 (in %)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss236\"><div><div class=\"ps291 ss232\"><span class=\"f charStyle-37455c2a ps36\">easybank Franchise \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3822 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3821\">24,01<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3824 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3823\"></span><span class=\"ps3823\">-19,46%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2648 ss236\"><div><div class=\"ps291 ss232\"><span class=\"f charStyle-37455c2a ps36\">Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3826 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3825\">0,54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3828 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3827\"></span><span class=\"ps3827\">-2,04%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2654 ss236\"><div><div class=\"ps291 ss232\"><span class=\"f charStyle-37455c2a ps36\">Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3829 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3825\">7,07<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3830 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3823\"></span><span class=\"ps3823\">-12,97%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss236\"><div><div class=\"ps291 ss232\"><span class=\"f charStyle-37455c2a ps36\">Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3831 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3821\">27,99<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3832 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps1633\">&lt;-20%<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3852 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:117.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss238\"><div><div class=\"ps3584 ss232\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3815 ss239\"><div><div class=\"ps1717 ss234\"><span class=\"f charStyle-73911c54 ps3834\">Erh\u00f6hung <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss234\"><span class=\"f charStyle-73911c54 ps3835\">Diskontierungssatz </span></div><div class=\"ps2029 ss234\"><span class=\"f charStyle-73911c54 ps3836\">um 1%</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3819 ss239\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-883030ce ps3135\">Verminderung des <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss234\"><span class=\"f charStyle-883030ce ps3837\">Nettogewinns um </span></div><div class=\"ps2027 ss234\"><span class=\"f charStyle-883030ce ps3838\">10% im Zeitraum </span></div><div class=\"ps2029 ss234\"><span class=\"f charStyle-883030ce ps3839\">2025\u20132027</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps854 ss236\"><div><div class=\"ps291 ss232\"><span class=\"f charStyle-7ff22fcd ps36\">Vollkonsolidierung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3800 ss240\"><div><div class=\"ps281 ss232\"><span class=\"f charStyle-37455c2a ps621\">easybank Franchise \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3842 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3843 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2579 ss242\"><div><div class=\"ps1717 ss232\"><span class=\"f charStyle-37455c2a ps621\">Zahn\u00e4rztekasse AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3845 ss243\"><div><div class=\"ps1717 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3844\">-3,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3846 ss243\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2807 ss240\"><div><div class=\"ps281 ss232\"><span class=\"f charStyle-37455c2a ps621\">Health Coevo AG<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3847 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3848 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3849 ss240\"><div><div class=\"ps281 ss232\"><span class=\"f charStyle-37455c2a ps621\">Idaho First Bank<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3850 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3851 ss241\"><div><div class=\"ps624 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3840\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss234\"><span class=\"f charStyle-cc1eb9a4 ps3841\">Wertminderung</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps1193 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Sensitivit\u00e4tsanalyse per 31.12.2025 des Markenrechts </span></div><div class=\"ps14 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">BAWAG P.S.K. </span></div><div class=\"ps1196 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Um die Stabilit\u00e4t der Werthaltigkeitspr\u00fcfung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1197 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Markenrechts BAWAG P.S.K. zu testen, wurde basierend auf</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1198 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">den oben angef\u00fchrten Pr\u00e4missen eine Sensitivit\u00e4tsanalyse</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1199 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vorgenommen. Dabei wurden f\u00fcr diese Analyse die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1200 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ver\u00e4nderung des Diskontierungssatzes und die Verminderung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1201 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">des Wachstums der Ergebnisse als relevante Parameter</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1202 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ausgew\u00e4hlt. Die nachstehend angef\u00fchrte \u00dcbersicht</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1203 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">veranschaulicht, um welches Ausma\u00df sich der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1291 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Diskontierungssatz erh\u00f6hen bzw. das Wachstum nach 2026</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1292 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">verringern k\u00f6nnte, ohne dass der Nutzungswert des</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1293 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Markenrechts BAWAG P.S.K. unter den jeweiligen Buchwert</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1205 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:32.69pt\">absinkt.</span></div><div class=\"ps3865 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:114.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:56.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss245\"><div><div class=\"ps2640 ss244\"><span class=\"f charStyle-32bf9c18 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3856 ss247\"><div><div class=\"ps624 ss246\"><span class=\"f charStyle-37455c2a ps3853\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss246\"><span class=\"f charStyle-37455c2a ps3854\">Diskontierungs</span></div><div class=\"ps1792 ss246\"><span class=\"f charStyle-37455c2a ps3855\">-satz (in %Pkt.)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3860 ss249\"><div><div class=\"ps624 ss248\"><span class=\"f charStyle-37455c2a ps3857\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss248\"><span class=\"f charStyle-37455c2a ps3858\">Wachstum nach 2026 </span></div><div class=\"ps1792 ss248\"><span class=\"f charStyle-37455c2a ps3859\">(in %)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3820 ss250\"><div><div class=\"ps291 ss244\"><span class=\"f charStyle-37455c2a ps36\">Markenrecht BAWAG P.S.K.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3862 ss251\"><div><div class=\"ps291 ss246\"><span class=\"f charStyle-cc1eb9a4 ps3861\">&gt;20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3864 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps3863\">&lt;-20%<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3880 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:128.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:56.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss254\"><div><div class=\"ps1776 ss253\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3869 ss255\"><div><div class=\"ps1348 ss90\"><span class=\"f charStyle-37455c2a ps3866\">Erh\u00f6hung <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss90\"><span class=\"f charStyle-37455c2a ps3867\">Diskontierungs-</span></div><div class=\"ps1778 ss90\"><span class=\"f charStyle-37455c2a ps3868\">satz um 1%</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3876 ss255\"><div><div class=\"ps624 ss90\"><span class=\"f charStyle-37455c2a ps3870\">Verminderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss90\"><span class=\"f charStyle-37455c2a ps3871\">des </span></div><div class=\"ps1792 ss90\"><span class=\"f charStyle-37455c2a ps3872\">Nettogewinns </span></div><div class=\"ps1348 ss90\"><span class=\"f charStyle-37455c2a ps3873\">um 10% im </span></div><div class=\"ps1781 ss90\"><span class=\"f charStyle-37455c2a ps3874\">Zeitraum 2026\u2013</span></div><div class=\"ps1778 ss90\"><span class=\"f charStyle-37455c2a ps3875\">2028</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps312 ss256\"><div><div class=\"ps281 ss253\"><span class=\"f charStyle-37455c2a ps36\">Markenrecht BAWAG P.S.K.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3878 ss91\"><div><div class=\"ps624 ss90\"><span class=\"f charStyle-f346ca35 ps3877\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss90\"><span class=\"f charStyle-f346ca35 ps36\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3879 ss91\"><div><div class=\"ps624 ss90\"><span class=\"f charStyle-f346ca35 ps3877\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss90\"><span class=\"f charStyle-f346ca35 ps36\">Wertminderung</span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sensitivit\u00e4tsanalyse per 31.12.2024 des Markenrechts </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">BAWAG P.S.K. </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Um die Stabilit\u00e4t der Werthaltigkeitspr\u00fcfung des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Markenrechts BAWAG P.S.K. zu testen, wurde basierend auf</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">den oben angef\u00fchrten Pr\u00e4missen eine Sensitivit\u00e4tsanalyse</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">vorgenommen. Dabei wurden f\u00fcr diese Analyse die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Ver\u00e4nderung des Diskontierungssatzes und die Verminderung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">des Wachstums der Ergebnisse als relevante Parameter</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">ausgew\u00e4hlt. Die nachstehend angef\u00fchrte \u00dcbersicht</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">veranschaulicht, um welches Ausma\u00df sich der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Diskontierungssatz erh\u00f6hen bzw. das Wachstum nach 2025</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">verringern k\u00f6nnte, ohne dass der Nutzungswert des</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Markenrechts BAWAG P.S.K. unter den jeweiligen Buchwert</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:32.69pt\">absinkt.</span></div><div class=\"ps797 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:128.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss257\"><div><div class=\"ps2640 ss253\"><span class=\"f charStyle-32bf9c18 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3869 ss258\"><div><div class=\"ps624 ss90\"><span class=\"f charStyle-37455c2a ps3881\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss90\"><span class=\"f charStyle-37455c2a ps3867\">Diskontierungs-</span></div><div class=\"ps1792 ss90\"><span class=\"f charStyle-37455c2a ps3882\">satz (in %Pkt.)</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3876 ss258\"><div><div class=\"ps624 ss90\"><span class=\"f charStyle-37455c2a ps3881\">Ver\u00e4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss90\"><span class=\"f charStyle-37455c2a ps3883\">Wachstum nach </span></div><div class=\"ps1792 ss90\"><span class=\"f charStyle-37455c2a ps3884\">2025 (in %)</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3820 ss259\"><div><div class=\"ps291 ss253\"><span class=\"f charStyle-37455c2a ps36\">Markenrecht BAWAG P.S.K.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3886 ss93\"><div><div class=\"ps291 ss90\"><span class=\"f charStyle-cc1eb9a4 ps3885\">&gt;20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3888 ss93\"><div><div class=\"ps291 ss90\"><span class=\"f charStyle-cc1eb9a4 ps3887\">&lt;-20%<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3896 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:128.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:61.5pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:56.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss254\"><div><div class=\"ps1776 ss253\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3869 ss255\"><div><div class=\"ps1348 ss90\"><span class=\"f charStyle-47d94f41 ps3436\">Erh\u00f6hung <span class=\"f ps37\"> </span></span></div><div class=\"ps1781 ss90\"><span class=\"f charStyle-47d94f41 ps3889\">Diskontierungs-</span></div><div class=\"ps1778 ss90\"><span class=\"f charStyle-47d94f41 ps3890\">satz um 1%</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3876 ss255\"><div><div class=\"ps624 ss90\"><span class=\"f charStyle-47d94f41 ps2050\">Verminderung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss90\"><span class=\"f charStyle-47d94f41 ps3891\">des </span></div><div class=\"ps1792 ss90\"><span class=\"f charStyle-47d94f41 ps3892\">Nettogewinns </span></div><div class=\"ps1348 ss90\"><span class=\"f charStyle-47d94f41 ps3893\">um 10% im </span></div><div class=\"ps1781 ss90\"><span class=\"f charStyle-47d94f41 ps3894\">Zeitraum 2025\u2013</span></div><div class=\"ps1778 ss90\"><span class=\"f charStyle-47d94f41 ps3895\">2027</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps312 ss256\"><div><div class=\"ps281 ss253\"><span class=\"f charStyle-37455c2a ps36\">Markenrecht BAWAG P.S.K.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3878 ss91\"><div><div class=\"ps624 ss90\"><span class=\"f charStyle-f346ca35 ps3877\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss90\"><span class=\"f charStyle-f346ca35 ps36\">Wertminderung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3879 ss91\"><div><div class=\"ps624 ss90\"><span class=\"f charStyle-f346ca35 ps3877\">keine <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss90\"><span class=\"f charStyle-f346ca35 ps36\">Wertminderung</span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIntangibleAssetsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-727": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Saldierter aktiver/passiver Bilanzansatz </span><div class=\"ps3899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps3304\">latenter Steuern</span></div><div class=\"ps3900 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die in der Bilanz ausgewiesenen latenten Steuerforderungen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3901 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">und -verbindlichkeiten ergeben sich aufgrund von tempor\u00e4ren</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3902 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Differenzen zwischen dem Buchwert nach IFRS und dem</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3903 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:203.94pt\">steuerrechtlichen Ansatz folgender Bilanzposten:</span></div><div class=\"ps3917 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">44<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">41<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">445<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">401<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">57<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Verlustvortr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Latente Steueranspr\u00fcche<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">576<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">552<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Latente Steueranspr\u00fcche saldiert mit latenten Steuerverplichtungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps623\">-468<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-431<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-9208d16a ps36\">Aktive latente Steuern in der Bilanz ausgewiesen</span><span class=\"f charStyle-b02052a3 ps3904\"><span class=\"f ps37\"> </span><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">108<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">121<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verm\u00f6genswerte zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">517<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">466<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss139\"><div><div class=\"ps40 ss131\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">42<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3742 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Selbsterstellte immaterielle Wirtschaftsg\u00fcter<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3905 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3906 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3907 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Sonstige immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3908 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">49<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3909 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">48<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3910 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Latente Steuerverpflichtungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3911 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">657<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3912 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">550<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3913 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Latente Steuerverpflichtungen saldiert mit latenten Steueranspr\u00fcchen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3914 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps623\">-468<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3915 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-431<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps777 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Passive latente Steuern in der Bilanz ausgewiesen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps780 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">189<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps781 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">119<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3916 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">1 Entspricht den aktiven latenten Steuern von Unternehmen, die nicht Teil der Steuergruppe waren.<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3918 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Pro Konzerngesellschaft wurden aktive und passive</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3919 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Steuerlatenzen gegen\u00fcber derselben lokalen Steuerbeh\u00f6rde</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3920 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">saldiert und unter Steuerforderungen oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3921 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:157.54pt\">Steuerverbindlichkeiten ausgewiesen.</span></div><div class=\"ps3922 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die tempor\u00e4ren Differenzen, f\u00fcr die gem\u00e4\u00df IAS 12.39 keine</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3923 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">passiven latenten Steuern gebildet wurden, betrugen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3924 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.96pt\">1.254\u00a0Mio.\u00a0\u20ac (2024: 1.021\u00a0Mio.\u00a0\u20ac). IAS 12.39 besagt, dass dass</span><span class=\"f charStyle-34546584 ps917\" style=\"width:2.36pt\"> </span></div><div class=\"ps3926 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">bei tempor\u00e4ren Differenzen in Verbindung mit Anteilen an</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3927 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Tochterunternehmen keine passiven latenten Steuern gebildet</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3928 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">werden m\u00fcssen, wenn das Mutterunternehmen in der Lage</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps3929 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">ist, den zeitlichen Verlauf der Aufl\u00f6sung der tempor\u00e4ren</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3930 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Differenz zu steuern, und es nicht wahrscheinlich ist, dass sich</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3931 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">die tempor\u00e4ren Differenzen in absehbarer Zeit aufl\u00f6sen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3932 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:34.28pt\">werden.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Sowohl latente Steueranspr\u00fcche als auch latente</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Steuerverpflichtungen haben eine Restlaufzeit von \u00fcber einem</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:19.72pt\">Jahr.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Per 31. Dezember 2025 belaufen sich latente</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Steuerforderungen auf Verlustvortr\u00e4ge der BAWAG auf 6 Mio.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">\u20ac (31. Dezember 2024: 6 Mio. \u20ac). Das Risiko, dass die aktuelle</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">geopolitische Lage Auswirkungen auf die Verwertbarkeit von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">noch nicht verbrauchten Verlustvortr\u00e4gen hat, ist daher als</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">gering anzusehen. Wie in obiger Tabelle ersichtlich, zeigt die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Bilanz eine Nettoverbindlichkeit f\u00fcr latente Steuern in H\u00f6he</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">von 81 Mio. \u20ac (31. Dezember 2024: Nettoforderung von 2 Mio.</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">\u20ac). Ein erh\u00f6htes Risiko, dass zuk\u00fcnftige steuerliche Gewinne</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">nicht ausreichen, um latente Steuerforderungen zu verwerten,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:73.54pt\">ist nicht gegeben.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTaxReceivablesAndPayablesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-731": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Sonstige Verm\u00f6genswerte</span><div class=\"ps3936 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Rechnungsabgrenzungsposten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">34<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">42<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Steuerforderungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">34<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2932 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">25<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2475 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">209<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3935 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">215<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2801 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2935 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">277<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2936 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">282<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3937 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die sonstigen Aktiva betreffen Schwebeposten aus dem</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3938 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zahlungsverkehr und andere sonstige Aktiva. Per 31.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3939 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Dezember 2025 haben sonstige Verm\u00f6gensgegenst\u00e4nde in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3940 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">H\u00f6he von 62\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: 82\u00a0Mio.\u00a0\u20ac) eine</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3941 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:154.95pt\">Restlaufzeit von mehr als einem Jahr.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfPrepaymentsAndOtherAssetsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-730": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Sonstige Verm\u00f6genswerte</span><div class=\"ps3936 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Rechnungsabgrenzungsposten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">34<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">42<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Steuerforderungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">34<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2932 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">25<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2475 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">209<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3935 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">215<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2801 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2935 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">277<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2936 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">282<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3937 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die sonstigen Aktiva betreffen Schwebeposten aus dem</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3938 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zahlungsverkehr und andere sonstige Aktiva. Per 31.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3939 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Dezember 2025 haben sonstige Verm\u00f6gensgegenst\u00e4nde in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3940 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">H\u00f6he von 62\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: 82\u00a0Mio.\u00a0\u20ac) eine</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3941 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:154.95pt\">Restlaufzeit von mehr als einem Jahr.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentAssetsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-729": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Sonstige Verm\u00f6genswerte</span><div class=\"ps3936 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Rechnungsabgrenzungsposten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">34<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">42<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Steuerforderungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">34<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2932 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">25<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2475 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">209<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3935 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">215<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2801 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2935 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">277<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2936 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">282<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3937 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die sonstigen Aktiva betreffen Schwebeposten aus dem</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3938 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zahlungsverkehr und andere sonstige Aktiva. Per 31.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3939 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Dezember 2025 haben sonstige Verm\u00f6gensgegenst\u00e4nde in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3940 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">H\u00f6he von 62\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: 82\u00a0Mio.\u00a0\u20ac) eine</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3941 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:154.95pt\">Restlaufzeit von mehr als einem Jahr.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherAssetsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-728": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Sonstige Verm\u00f6genswerte</span><div class=\"ps3936 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Rechnungsabgrenzungsposten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">34<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">42<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Steuerforderungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">34<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2932 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">25<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2475 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">209<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3935 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">215<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2801 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2935 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">277<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2936 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">282<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3937 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die sonstigen Aktiva betreffen Schwebeposten aus dem</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3938 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zahlungsverkehr und andere sonstige Aktiva. Per 31.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3939 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Dezember 2025 haben sonstige Verm\u00f6gensgegenst\u00e4nde in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3940 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">H\u00f6he von 62\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: 82\u00a0Mio.\u00a0\u20ac) eine</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3941 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:154.95pt\">Restlaufzeit von mehr als einem Jahr.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherNoncurrentAssetsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-733": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Angaben gem\u00e4\u00df IFRS 5 \u2013 Zur Ver\u00e4u\u00dferung </span><div class=\"ps3943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">gehaltene langfristige Verm\u00f6genswerte </span></div><div class=\"ps3944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">und Ver\u00e4u\u00dferungsgruppen und </span></div><div class=\"ps3945 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Verbindlichkeiten in </span></div><div class=\"ps3946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Ver\u00e4u\u00dferungsgruppen </span></div><div class=\"ps3947 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Gem\u00e4\u00df IFRS 5 sind Ver\u00e4u\u00dferungsgruppen aus</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verm\u00f6genswerten und Schulden als zur Ver\u00e4u\u00dferung gehalten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">klassifiziert, wenn der zugeh\u00f6rige Buchwert \u00fcberwiegend</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">durch ein Ver\u00e4u\u00dferungsgesch\u00e4ft und nicht durch fortgef\u00fchrte</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Nutzung realisiert und der Verkauf innerhalb von 12 Monaten</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps3953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:59.85pt\">erwartet wird.</span><span class=\"f charStyle-34546584 ps3952\" style=\"width:2.36pt\"> </span></div><div class=\"ps3954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Im Oktober 2025 vereinbarte die BAWAG den Verkauf ihrer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3955 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">Anteile an der Best Egg Inc., Wilmington, an die Barclays Bank</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps3956 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Delaware. Das Closing der Transaktion unterliegt den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3957 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">erforderlichen beh\u00f6rdlichen Genehmigungen und anderen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Bedingungen und wird voraussichtlich im zweiten Quartal</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3959 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">2026 erfolgen. Die nach der Equity-Methode bilanzierte</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Beteiligung an der Best Egg Inc. wird daher per 31.12.2025 im</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3961 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bilanzposten \u201eZur Ver\u00e4u\u00dferung gehaltene langfristige</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen\u201c ausgewiesen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.97pt\">(114 Mio. \u20ac). Die Best Egg Inc. ist im Segment Corporate</span><span class=\"f charStyle-34546584 ps237\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:86.17pt\">Center ausgewiesen.</span><span class=\"f charStyle-34546584 ps3963\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Der per 31. Dezember 2025 verbleibende Buchwert von als zur</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">klassifizierten Immobilien betr\u00e4gt 5 Mio. \u20ac (31. Dezember</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">2024: 5 Mio. \u20ac) Diese zur Ver\u00e4u\u00dferung gehaltenen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">langfristigen Verm\u00f6genswerte werden im Segment Corporate</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:86.17pt\">Center ausgewiesen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-732": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Angaben gem\u00e4\u00df IFRS 5 \u2013 Zur Ver\u00e4u\u00dferung </span><div class=\"ps3943 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">gehaltene langfristige Verm\u00f6genswerte </span></div><div class=\"ps3944 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">und Ver\u00e4u\u00dferungsgruppen und </span></div><div class=\"ps3945 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Verbindlichkeiten in </span></div><div class=\"ps3946 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Ver\u00e4u\u00dferungsgruppen </span></div><div class=\"ps3947 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Gem\u00e4\u00df IFRS 5 sind Ver\u00e4u\u00dferungsgruppen aus</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verm\u00f6genswerten und Schulden als zur Ver\u00e4u\u00dferung gehalten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">klassifiziert, wenn der zugeh\u00f6rige Buchwert \u00fcberwiegend</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">durch ein Ver\u00e4u\u00dferungsgesch\u00e4ft und nicht durch fortgef\u00fchrte</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Nutzung realisiert und der Verkauf innerhalb von 12 Monaten</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps3953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:59.85pt\">erwartet wird.</span><span class=\"f charStyle-34546584 ps3952\" style=\"width:2.36pt\"> </span></div><div class=\"ps3954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Im Oktober 2025 vereinbarte die BAWAG den Verkauf ihrer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3955 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">Anteile an der Best Egg Inc., Wilmington, an die Barclays Bank</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps3956 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Delaware. Das Closing der Transaktion unterliegt den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3957 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">erforderlichen beh\u00f6rdlichen Genehmigungen und anderen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Bedingungen und wird voraussichtlich im zweiten Quartal</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3959 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">2026 erfolgen. Die nach der Equity-Methode bilanzierte</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Beteiligung an der Best Egg Inc. wird daher per 31.12.2025 im</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3961 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bilanzposten \u201eZur Ver\u00e4u\u00dferung gehaltene langfristige</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps3962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen\u201c ausgewiesen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.97pt\">(114 Mio. \u20ac). Die Best Egg Inc. ist im Segment Corporate</span><span class=\"f charStyle-34546584 ps237\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:86.17pt\">Center ausgewiesen.</span><span class=\"f charStyle-34546584 ps3963\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Der per 31. Dezember 2025 verbleibende Buchwert von als zur</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ver\u00e4u\u00dferung gehaltene langfristige Verm\u00f6genswerte</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">klassifizierten Immobilien betr\u00e4gt 5 Mio. \u20ac (31. Dezember</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">2024: 5 Mio. \u20ac) Diese zur Ver\u00e4u\u00dferung gehaltenen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">langfristigen Verm\u00f6genswerte werden im Segment Corporate</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:86.17pt\">Center ausgewiesen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncurrentAssetsHeldForSaleAndDiscontinuedOperationsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-735": {
   "value": "<div class=\"ps3947 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Gem\u00e4\u00df IFRS 5 sind Ver\u00e4u\u00dferungsgruppen aus</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verm\u00f6genswerten und Schulden als zur Ver\u00e4u\u00dferung gehalten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">klassifiziert, wenn der zugeh\u00f6rige Buchwert \u00fcberwiegend</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">durch ein Ver\u00e4u\u00dferungsgesch\u00e4ft und nicht durch fortgef\u00fchrte</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Nutzung realisiert und der Verkauf innerhalb von 12 Monaten</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:59.85pt\">erwartet wird.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleAndDiscontinuedOperationsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-734": {
   "value": "<div class=\"ps3947 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Gem\u00e4\u00df IFRS 5 sind Ver\u00e4u\u00dferungsgruppen aus</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verm\u00f6genswerten und Schulden als zur Ver\u00e4u\u00dferung gehalten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps3949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">klassifiziert, wenn der zugeh\u00f6rige Buchwert \u00fcberwiegend</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">durch ein Ver\u00e4u\u00dferungsgesch\u00e4ft und nicht durch fortgef\u00fchrte</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps3951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Nutzung realisiert und der Verkauf innerhalb von 12 Monaten</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:59.85pt\">erwartet wird.</span>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForNoncurrentAssetsOrDisposalGroupsClassifiedAsHeldForSaleExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-739": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2895\">Erfolgswirksam zum beizulegenden </span><div class=\"ps3967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2895\">Zeitwert bewertete finanzielle </span></div><div class=\"ps3968 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2895\">Verbindlichkeiten</span></div><div class=\"ps3971 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Begebene Schuldverschreibungen, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Nachrang- und Erg\u00e4nzungskapital</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2242 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">andere verbriefte Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2844 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2845 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2243 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3969 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3970 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">b\u00f6rsenotierte Private Placements</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2966 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2967 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1831 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Zeitwert bewertete Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2947 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2948 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3972 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die begebenen Schuldverschreibungen betreffen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">b\u00f6rsennotierte Emissionen. Erfolgswirksam zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3975 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Verbindlichkeiten beinhalten P.S.K.-Emissionen, die von der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:147.82pt\">Republik \u00d6sterreich garantiert sind.</span></div><div class=\"ps3977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Der Buchwert der zum beizulegenden Zeitwert bilanzierten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3978 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Eigenen Emissionen per 31. Dezember 2025 liegt um</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3979 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">3,9\u00a0Mio.\u00a0\u20ac \u00fcber deren R\u00fcckzahlungsbetrag (2024: 0,2\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:134.91pt\">unter dem R\u00fcckzahlungsbetrag).</span></div><div class=\"ps3981 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps185\">24 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2895\">Handelspassiva</span></div><div class=\"ps3982 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Derivate des Bankbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">W\u00e4hrungsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">44<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Zinsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">432<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">405<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Kreditderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps1632\">25 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2852\">Finanzielle Verbindlichkeiten zu </span></div><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">fortgef\u00fchrten Anschaffungskosten</span></div><div class=\"ps2792 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">812<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Girobereich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.027<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">19.450<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">17.360<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.154<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.663<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.278<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Einlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">27.340<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">26.720<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">T\u00e4glich f\u00e4llige Einlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.412<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.847<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.052<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.517<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">281<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">148<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">44<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Termineinlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">6.928<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.873<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps510 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">6.421<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps511 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.997<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">431<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.808<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">68<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps775 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Begebene Schuldverschreibungen und Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.174<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1767 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps1769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.713<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1770 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.280<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1772 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1773 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">630<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3985 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Andere verbriefte Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3986 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.130<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3987 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3988 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3989 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">65.707<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3990 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">64.608<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3991 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Bei den begebenen Schuldverschreibungen handelt es sich im</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3992 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:189.37pt\">Wesentlichen um b\u00f6rsennotierte Emissionen.</span></div><div class=\"ps3993 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zum 31. Dezember 2025 und zum 31. Dezember 2024 gab es</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3994 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">keinen ausstehenden Betrag aus der TLTRO-III-Fazilit\u00e4t der EZB</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3996 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:24.7pt\">mehr.</span><span class=\"f charStyle-34546584 ps3995\" style=\"width:2.36pt\"> </span></div><div class=\"ps3997 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">2025 gab es keinen Zinsaufwand aus dem TLTRO-III-Programm</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps3998 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">(2024: Zinsaufwand in H\u00f6he von 5,8 Mio. \u20ac; im Posten</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps4000 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:114.11pt\">Zinsaufwand ausgewiesen).</span><span class=\"f charStyle-34546584 ps3999\" style=\"width:2.36pt\"> </span></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps1632\">26 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2852\">Begebene Schuldverschreibungen, </span></div><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Nachrang- und Erg\u00e4nzungskapital</span></div><div class=\"ps4001 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Begebene Schuldverschreibungen sowie Nachrang- und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4002 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Erg\u00e4nzungskapital werden in der Kategorie \u201eErfolgswirksam</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4003 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zum beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps191 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verbindlichkeiten\u201c bzw. in der Kategorie \u201eFinanzielle</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps193 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten\u201c</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps194 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">ausgewiesen. Insgesamt ergibt sich das folgende</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps195 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:145.12pt\">Gesamtvolumen (IFRS-Buchwerte):</span></div><div class=\"ps4027 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps281 ss261\"><span class=\"f charStyle-c5fdbd46 ps4005\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps2044 ss264\"><div><div class=\"ps624 ss263\"><span class=\"f charStyle-37455c2a ps4006\">Bewertung zum <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps4007\">beizulegenden Zeitwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps624 ss263\"><span class=\"f charStyle-37455c2a ps4008\">Bewertung zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps4009\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps4010\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4011 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps295 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Begebene Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4012 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4013 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.713<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.280<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.736<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.343<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4016 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4017 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2763 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4020 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4021 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4022 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4023 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">630<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">630<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps313 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4024 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps314 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps315 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.130<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps316 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.148<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps318 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.287<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps726 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4025 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4026 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.174<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps729 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.583<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.274<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">In der folgenden Tabelle werden die wesentlichen Konditionen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der begebenen Schuldverschreibungen angef\u00fchrt, deren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:134.46pt\">Nominale 200\u00a0Mio.\u00a0\u20ac \u00fcbersteigt:</span></div><div class=\"ps3127 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps4029\">ISIN<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4031 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4030\">Typ<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3017 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4032\">W\u00e4hrung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4035 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4033\">Nominale<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4034\">in Mio. EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4038 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4036\">Art der <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4037\">Verzinsung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4040 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps4039\">Kupon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4041\">Laufzeitende<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2523326853<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4043 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4045 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4047 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4049 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">2,000%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">25.08.2032<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2570759154<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">850<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4053 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4054 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,130%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">12.01.2029<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2234573710<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4055 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4056 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4057 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4058 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4059 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">23.09.2030<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2468221747<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4060 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4061 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4062 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4063 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4064 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">1,125%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.07.2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2487770104<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4065 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4066 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4067 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4068 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4069 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">1,750%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">08.03.2030<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2556232143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4070 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4071 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4072 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4073 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4074 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,000%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">17.05.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps461 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2618704014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4075 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4076 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4077 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4078 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4079 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,380%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">04.05.2026<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps466 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2773068676<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4081 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4082 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4083 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4084 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,125%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">27.02.2031<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps473 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS1551294926<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4085 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4086 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4087 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4088 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4089 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,750%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">18.01.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps478 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS1637329639<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4090 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4091 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4092 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4093 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4094 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">27.06.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps484 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2013520023<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4098 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4099 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,625%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">19.06.2034<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps489 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2049584084<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4102 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4103 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4104 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4105 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4106 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,375%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps493 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">03.09.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps659 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2058855441<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4107 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4108 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4109 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4110 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4111 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">02.10.2029<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps665 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2259776230<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4112 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4113 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4114 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4115 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4116 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps671 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">19.11.2035<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps672 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2106563161<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4117 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4118 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4119 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4121 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps677 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">21.01.2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps678 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2320539765<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4123 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4126 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,375%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">25.03.2041<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps683 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2340854848<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4128 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4130 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps689 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">12.05.2031<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2351073098<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4132 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3748 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,038%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">06.09.2036<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2380748439<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4142 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">03.09.2029<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4144 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2429205540<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4146 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4148 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,250%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">12.01.2032<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2531479462<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4152 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4154 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4156 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">4,130%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">18.01.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1702 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2642546399<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4159 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4161 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,034%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1705 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">28.06.2030<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1706 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2851605886<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4163 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4164 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4165 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4167 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,125%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1708 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">10.03.2029<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss269\"><div><div class=\"ps1717 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2981978989<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4169 ss73\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4171 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4173 ss269\"><div><div class=\"ps1717 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,500%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">21.01.2032<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4175 ss269\"><div><div class=\"ps1717 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS3170898723<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4176 ss73\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4177 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4179 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4180 ss269\"><div><div class=\"ps1717 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,375%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4181 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">09.02.2033<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss270\"><div><div class=\"ps2027 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2707629056<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4186 ss95\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4183\">Erg\u00e4nzungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4184\">kapital \u2013 </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4185\">Tier II</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4187 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4188 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">400<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4189 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4190 ss270\"><div><div class=\"ps2027 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">6,750%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4191 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">24.02.2034<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4192 ss270\"><div><div class=\"ps2027 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2997361485<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4193 ss95\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4183\">Erg\u00e4nzungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4184\">kapital \u2013 </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4185\">Tier II</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4194 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4195 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4196 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4197 ss270\"><div><div class=\"ps2027 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">4,125%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4198 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">07.05.2025<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4199 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps36\">AT0000A31L43<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4200 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4201 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4204 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-b27625d4 ps4202\">200</span><span class=\"f charStyle-8e2bfe67 ps4203\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4205 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4206 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,750%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4207 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">10.02.2026<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"13\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps4209 ss271\"><div><div class=\"ps4208 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">1 Davon 6\u00a0Mio.\u00a0\u20ac zur\u00fcckgekauft.</span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps1632\">27 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2852\">Restlaufzeiten Verbindlichkeiten</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die folgenden Tabellen zeigen die Aufgliederung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">finanziellen Verbindlichkeiten (exkl. Derivaten) nach deren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:106.97pt\">vertraglicher Restlaufzeit:</span></div><div class=\"ps4242 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten \u2013 Gliederung nach Restlaufzeiten 2025</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4212\">t\u00e4glich f\u00e4llig<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4213\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4214\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4215\">3 Monate bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4216\">1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps4220\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4012 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4013 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4016 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4017 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4020 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4021 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4022 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2764 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2765 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1839 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4221 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">40.399<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4222 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.800<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4223 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.293<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4224 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.108<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.767<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2767 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4225 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">65<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4226 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4227 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">374<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2260 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">263<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2261 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">812<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps884 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4229 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4230 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4231 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.042<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4232 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">8.709<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4233 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.948<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4234 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.713<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1094 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4235 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4236 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4237 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">431<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">254<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4238 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4239 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">305<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4240 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1099 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1100 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">470<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1101 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.130<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps751 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4241 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">40.464<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.225<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.435<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">10.913<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">8.725<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">65.762<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4244 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten \u2013 Gliederung nach Restlaufzeiten 2024</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4212\">t\u00e4glich f\u00e4llig<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4213\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4214\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4215\">3 Monate bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4216\">1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4243\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4012 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4013 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">31<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4016 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4017 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4020 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4021 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4022 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2764 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1839 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4221 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4222 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.555<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4223 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4224 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.152<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.779<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2767 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4225 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4226 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">506<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4227 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2260 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">641<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps884 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4229 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4230 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4231 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4232 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.704<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4233 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.665<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4234 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.280<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1094 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4235 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4236 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4237 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">201<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">422<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">631<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4238 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4239 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4240 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">73<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1099 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">493<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1100 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">478<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1101 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps751 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4241 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">36.215<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.564<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.489<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">9.848<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">9.593<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">64.709<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBorrowingsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-738": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2895\">Erfolgswirksam zum beizulegenden </span><div class=\"ps3967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2895\">Zeitwert bewertete finanzielle </span></div><div class=\"ps3968 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2895\">Verbindlichkeiten</span></div><div class=\"ps3971 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Begebene Schuldverschreibungen, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Nachrang- und Erg\u00e4nzungskapital</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2242 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">andere verbriefte Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2844 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2845 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2243 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3969 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3970 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">b\u00f6rsenotierte Private Placements</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2966 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2967 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1831 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Zeitwert bewertete Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2947 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2948 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3972 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die begebenen Schuldverschreibungen betreffen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">b\u00f6rsennotierte Emissionen. Erfolgswirksam zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3975 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Verbindlichkeiten beinhalten P.S.K.-Emissionen, die von der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:147.82pt\">Republik \u00d6sterreich garantiert sind.</span></div><div class=\"ps3977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Der Buchwert der zum beizulegenden Zeitwert bilanzierten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3978 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Eigenen Emissionen per 31. Dezember 2025 liegt um</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3979 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">3,9\u00a0Mio.\u00a0\u20ac \u00fcber deren R\u00fcckzahlungsbetrag (2024: 0,2\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:134.91pt\">unter dem R\u00fcckzahlungsbetrag).</span></div><span class=\"f charStyle-b1e544a7 ps2852\">Finanzielle Verbindlichkeiten zu </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">fortgef\u00fchrten Anschaffungskosten</span></div><div class=\"ps2792 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">812<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Girobereich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.027<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">19.450<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">17.360<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.154<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.663<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.278<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Einlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">27.340<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">26.720<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">T\u00e4glich f\u00e4llige Einlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.412<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.847<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.052<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.517<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">281<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">148<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">44<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Termineinlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">6.928<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.873<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps510 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">6.421<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps511 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.997<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">431<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.808<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">68<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps775 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Begebene Schuldverschreibungen und Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.174<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1767 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps1769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.713<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1770 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.280<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1772 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1773 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">630<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3985 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Andere verbriefte Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3986 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.130<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3987 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3988 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3989 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">65.707<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3990 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">64.608<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3991 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Bei den begebenen Schuldverschreibungen handelt es sich im</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3992 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:189.37pt\">Wesentlichen um b\u00f6rsennotierte Emissionen.</span></div><div class=\"ps3993 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zum 31. Dezember 2025 und zum 31. Dezember 2024 gab es</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3994 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">keinen ausstehenden Betrag aus der TLTRO-III-Fazilit\u00e4t der EZB</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3996 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:24.7pt\">mehr.</span><span class=\"f charStyle-34546584 ps3995\" style=\"width:2.36pt\"> </span></div><div class=\"ps3997 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">2025 gab es keinen Zinsaufwand aus dem TLTRO-III-Programm</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps3998 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">(2024: Zinsaufwand in H\u00f6he von 5,8 Mio. \u20ac; im Posten</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps4000 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:114.11pt\">Zinsaufwand ausgewiesen).</span><span class=\"f charStyle-34546584 ps3999\" style=\"width:2.36pt\"> </span></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps1632\">26 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2852\">Begebene Schuldverschreibungen, </span></div><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Nachrang- und Erg\u00e4nzungskapital</span></div><div class=\"ps4001 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Begebene Schuldverschreibungen sowie Nachrang- und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4002 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Erg\u00e4nzungskapital werden in der Kategorie \u201eErfolgswirksam</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4003 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zum beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps191 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verbindlichkeiten\u201c bzw. in der Kategorie \u201eFinanzielle</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps193 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten\u201c</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps194 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">ausgewiesen. Insgesamt ergibt sich das folgende</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps195 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:145.12pt\">Gesamtvolumen (IFRS-Buchwerte):</span></div><div class=\"ps4027 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps281 ss261\"><span class=\"f charStyle-c5fdbd46 ps4005\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps2044 ss264\"><div><div class=\"ps624 ss263\"><span class=\"f charStyle-37455c2a ps4006\">Bewertung zum <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps4007\">beizulegenden Zeitwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps624 ss263\"><span class=\"f charStyle-37455c2a ps4008\">Bewertung zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps4009\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps4010\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4011 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps295 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Begebene Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4012 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4013 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.713<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.280<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.736<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.343<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4016 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4017 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2763 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4020 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4021 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4022 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4023 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">630<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">630<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps313 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4024 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps314 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps315 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.130<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps316 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.148<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps318 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.287<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps726 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4025 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4026 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.174<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps729 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.583<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.274<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">In der folgenden Tabelle werden die wesentlichen Konditionen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der begebenen Schuldverschreibungen angef\u00fchrt, deren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:134.46pt\">Nominale 200\u00a0Mio.\u00a0\u20ac \u00fcbersteigt:</span></div><div class=\"ps3127 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps4029\">ISIN<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4031 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4030\">Typ<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3017 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4032\">W\u00e4hrung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4035 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4033\">Nominale<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4034\">in Mio. EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4038 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4036\">Art der <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4037\">Verzinsung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4040 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps4039\">Kupon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4041\">Laufzeitende<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2523326853<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4043 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4045 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4047 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4049 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">2,000%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">25.08.2032<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2570759154<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">850<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4053 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4054 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,130%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">12.01.2029<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2234573710<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4055 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4056 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4057 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4058 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4059 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">23.09.2030<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2468221747<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4060 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4061 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4062 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4063 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4064 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">1,125%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.07.2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2487770104<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4065 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4066 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4067 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4068 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4069 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">1,750%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">08.03.2030<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2556232143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4070 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4071 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4072 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4073 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4074 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,000%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">17.05.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps461 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2618704014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4075 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4076 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4077 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4078 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4079 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,380%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">04.05.2026<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps466 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2773068676<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4081 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4082 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4083 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4084 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,125%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">27.02.2031<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps473 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS1551294926<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4085 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4086 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4087 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4088 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4089 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,750%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">18.01.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps478 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS1637329639<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4090 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4091 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4092 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4093 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4094 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">27.06.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps484 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2013520023<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4098 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4099 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,625%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">19.06.2034<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps489 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2049584084<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4102 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4103 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4104 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4105 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4106 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,375%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps493 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">03.09.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps659 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2058855441<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4107 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4108 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4109 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4110 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4111 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">02.10.2029<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps665 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2259776230<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4112 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4113 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4114 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4115 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4116 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps671 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">19.11.2035<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps672 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2106563161<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4117 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4118 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4119 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4121 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps677 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">21.01.2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps678 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2320539765<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4123 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4126 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,375%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">25.03.2041<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps683 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2340854848<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4128 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4130 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps689 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">12.05.2031<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2351073098<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4132 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3748 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,038%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">06.09.2036<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2380748439<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4142 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">03.09.2029<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4144 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2429205540<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4146 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4148 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,250%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">12.01.2032<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2531479462<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4152 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4154 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4156 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">4,130%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">18.01.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1702 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2642546399<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4159 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4161 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,034%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1705 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">28.06.2030<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1706 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2851605886<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4163 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4164 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4165 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4167 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,125%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1708 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">10.03.2029<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss269\"><div><div class=\"ps1717 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2981978989<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4169 ss73\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4171 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4173 ss269\"><div><div class=\"ps1717 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,500%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">21.01.2032<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4175 ss269\"><div><div class=\"ps1717 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS3170898723<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4176 ss73\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4177 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4179 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4180 ss269\"><div><div class=\"ps1717 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,375%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4181 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">09.02.2033<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss270\"><div><div class=\"ps2027 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2707629056<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4186 ss95\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4183\">Erg\u00e4nzungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4184\">kapital \u2013 </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4185\">Tier II</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4187 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4188 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">400<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4189 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4190 ss270\"><div><div class=\"ps2027 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">6,750%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4191 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">24.02.2034<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4192 ss270\"><div><div class=\"ps2027 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2997361485<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4193 ss95\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4183\">Erg\u00e4nzungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4184\">kapital \u2013 </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4185\">Tier II</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4194 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4195 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4196 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4197 ss270\"><div><div class=\"ps2027 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">4,125%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4198 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">07.05.2025<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4199 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps36\">AT0000A31L43<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4200 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4201 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4204 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-b27625d4 ps4202\">200</span><span class=\"f charStyle-8e2bfe67 ps4203\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4205 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4206 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,750%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4207 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">10.02.2026<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"13\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps4209 ss271\"><div><div class=\"ps4208 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">1 Davon 6\u00a0Mio.\u00a0\u20ac zur\u00fcckgekauft.</span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps1632\">27 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2852\">Restlaufzeiten Verbindlichkeiten</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die folgenden Tabellen zeigen die Aufgliederung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">finanziellen Verbindlichkeiten (exkl. Derivaten) nach deren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:106.97pt\">vertraglicher Restlaufzeit:</span></div><div class=\"ps4242 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten \u2013 Gliederung nach Restlaufzeiten 2025</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4212\">t\u00e4glich f\u00e4llig<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4213\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4214\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4215\">3 Monate bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4216\">1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps4220\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4012 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4013 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4016 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4017 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4020 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4021 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4022 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2764 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2765 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1839 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4221 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">40.399<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4222 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.800<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4223 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.293<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4224 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.108<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.767<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2767 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4225 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">65<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4226 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4227 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">374<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2260 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">263<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2261 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">812<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps884 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4229 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4230 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4231 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.042<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4232 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">8.709<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4233 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.948<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4234 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.713<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1094 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4235 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4236 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4237 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">431<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">254<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4238 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4239 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">305<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4240 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1099 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1100 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">470<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1101 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.130<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps751 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4241 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">40.464<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.225<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.435<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">10.913<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">8.725<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">65.762<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4244 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten \u2013 Gliederung nach Restlaufzeiten 2024</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4212\">t\u00e4glich f\u00e4llig<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4213\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4214\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4215\">3 Monate bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4216\">1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4243\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4012 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4013 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">31<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4016 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4017 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4020 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4021 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4022 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2764 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1839 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4221 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4222 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.555<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4223 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4224 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.152<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.779<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2767 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4225 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4226 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">506<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4227 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2260 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">641<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps884 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4229 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4230 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4231 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4232 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.704<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4233 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.665<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4234 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.280<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1094 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4235 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4236 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4237 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">201<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">422<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">631<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4238 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4239 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4240 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">73<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1099 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">493<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1100 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">478<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1101 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps751 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4241 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">36.215<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.564<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.489<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">9.848<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">9.593<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">64.709<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDebtSecuritiesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-737": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2895\">Erfolgswirksam zum beizulegenden </span><div class=\"ps3967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2895\">Zeitwert bewertete finanzielle </span></div><div class=\"ps3968 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2895\">Verbindlichkeiten</span></div><div class=\"ps3971 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Begebene Schuldverschreibungen, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Nachrang- und Erg\u00e4nzungskapital</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2242 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">andere verbriefte Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2844 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2845 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2243 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3969 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3970 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">b\u00f6rsenotierte Private Placements</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2966 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2967 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1831 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Zeitwert bewertete Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2947 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2948 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3972 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die begebenen Schuldverschreibungen betreffen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">b\u00f6rsennotierte Emissionen. Erfolgswirksam zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3975 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Verbindlichkeiten beinhalten P.S.K.-Emissionen, die von der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:147.82pt\">Republik \u00d6sterreich garantiert sind.</span></div><div class=\"ps3977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Der Buchwert der zum beizulegenden Zeitwert bilanzierten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3978 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Eigenen Emissionen per 31. Dezember 2025 liegt um</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3979 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">3,9\u00a0Mio.\u00a0\u20ac \u00fcber deren R\u00fcckzahlungsbetrag (2024: 0,2\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:134.91pt\">unter dem R\u00fcckzahlungsbetrag).</span></div><span class=\"f charStyle-b1e544a7 ps2852\">Finanzielle Verbindlichkeiten zu </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">fortgef\u00fchrten Anschaffungskosten</span></div><div class=\"ps2792 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">812<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Girobereich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.027<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">19.450<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">17.360<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.154<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.663<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.278<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Einlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">27.340<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">26.720<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">T\u00e4glich f\u00e4llige Einlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.412<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.847<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.052<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.517<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">281<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">148<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">44<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Termineinlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">6.928<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.873<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps510 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">6.421<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps511 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.997<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">431<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.808<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">68<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps775 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Begebene Schuldverschreibungen und Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.174<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1767 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps1769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.713<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1770 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.280<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1772 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1773 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">630<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3985 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Andere verbriefte Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3986 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.130<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3987 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3988 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3989 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">65.707<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3990 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">64.608<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3991 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Bei den begebenen Schuldverschreibungen handelt es sich im</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3992 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:189.37pt\">Wesentlichen um b\u00f6rsennotierte Emissionen.</span></div><div class=\"ps3993 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zum 31. Dezember 2025 und zum 31. Dezember 2024 gab es</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3994 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">keinen ausstehenden Betrag aus der TLTRO-III-Fazilit\u00e4t der EZB</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3996 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:24.7pt\">mehr.</span><span class=\"f charStyle-34546584 ps3995\" style=\"width:2.36pt\"> </span></div><div class=\"ps3997 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">2025 gab es keinen Zinsaufwand aus dem TLTRO-III-Programm</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps3998 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">(2024: Zinsaufwand in H\u00f6he von 5,8 Mio. \u20ac; im Posten</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:114.11pt\">Zinsaufwand ausgewiesen).</span><span class=\"f charStyle-b1e544a7 ps2852\">Restlaufzeiten Verbindlichkeiten</span><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die folgenden Tabellen zeigen die Aufgliederung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">finanziellen Verbindlichkeiten (exkl. Derivaten) nach deren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:106.97pt\">vertraglicher Restlaufzeit:</span></div><div class=\"ps4242 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten \u2013 Gliederung nach Restlaufzeiten 2025</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4212\">t\u00e4glich f\u00e4llig<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4213\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4214\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4215\">3 Monate bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4216\">1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps4220\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4012 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4013 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4016 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4017 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4020 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4021 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4022 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2764 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2765 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1839 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4221 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">40.399<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4222 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.800<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4223 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.293<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4224 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.108<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.767<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2767 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4225 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">65<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4226 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4227 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">374<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2260 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">263<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2261 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">812<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps884 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4229 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4230 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4231 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.042<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4232 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">8.709<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4233 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.948<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4234 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.713<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1094 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4235 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4236 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4237 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">431<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">254<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4238 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4239 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">305<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4240 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1099 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1100 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">470<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1101 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.130<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps751 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4241 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">40.464<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.225<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.435<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">10.913<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">8.725<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">65.762<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4244 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten \u2013 Gliederung nach Restlaufzeiten 2024</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4212\">t\u00e4glich f\u00e4llig<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4213\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4214\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4215\">3 Monate bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4216\">1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4243\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4012 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4013 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">31<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4016 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4017 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4020 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4021 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4022 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2764 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1839 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4221 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4222 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.555<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4223 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4224 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.152<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.779<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2767 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4225 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4226 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">506<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4227 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2260 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">641<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps884 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4229 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4230 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4231 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4232 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.704<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4233 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.665<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4234 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.280<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1094 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4235 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4236 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4237 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">201<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">422<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">631<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4238 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4239 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4240 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">73<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1099 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">493<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1100 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">478<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1101 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps751 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4241 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">36.215<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.564<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.489<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">9.848<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">9.593<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">64.709<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromCustomersExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-736": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2895\">Erfolgswirksam zum beizulegenden </span><div class=\"ps3967 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2895\">Zeitwert bewertete finanzielle </span></div><div class=\"ps3968 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2895\">Verbindlichkeiten</span></div><div class=\"ps3971 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Begebene Schuldverschreibungen, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Nachrang- und Erg\u00e4nzungskapital</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2242 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">andere verbriefte Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2844 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2845 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2243 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3969 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3970 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">b\u00f6rsenotierte Private Placements</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2966 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2967 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1831 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Zeitwert bewertete Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2947 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2948 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3972 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die begebenen Schuldverschreibungen betreffen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">b\u00f6rsennotierte Emissionen. Erfolgswirksam zum</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3975 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Verbindlichkeiten beinhalten P.S.K.-Emissionen, die von der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps3976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:147.82pt\">Republik \u00d6sterreich garantiert sind.</span></div><div class=\"ps3977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Der Buchwert der zum beizulegenden Zeitwert bilanzierten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps3978 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Eigenen Emissionen per 31. Dezember 2025 liegt um</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps3979 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">3,9\u00a0Mio.\u00a0\u20ac \u00fcber deren R\u00fcckzahlungsbetrag (2024: 0,2\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps3980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:134.91pt\">unter dem R\u00fcckzahlungsbetrag).</span></div><span class=\"f charStyle-b1e544a7 ps2852\">Finanzielle Verbindlichkeiten zu </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">fortgef\u00fchrten Anschaffungskosten</span></div><div class=\"ps2792 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">812<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Girobereich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.027<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">19.450<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">17.360<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.154<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.663<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.278<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Einlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">27.340<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">26.720<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">T\u00e4glich f\u00e4llige Einlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.412<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.847<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.052<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.517<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">281<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">148<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">44<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Termineinlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">6.928<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.873<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps510 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">6.421<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps511 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.997<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">431<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.808<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">68<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps775 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Begebene Schuldverschreibungen und Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.174<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1767 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps1769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.713<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1770 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.280<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1772 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1773 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">630<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3985 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Andere verbriefte Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3986 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.130<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3987 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3988 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3989 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">65.707<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3990 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">64.608<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3991 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Bei den begebenen Schuldverschreibungen handelt es sich im</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3992 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:189.37pt\">Wesentlichen um b\u00f6rsennotierte Emissionen.</span></div><div class=\"ps3993 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zum 31. Dezember 2025 und zum 31. Dezember 2024 gab es</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3994 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">keinen ausstehenden Betrag aus der TLTRO-III-Fazilit\u00e4t der EZB</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3996 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:24.7pt\">mehr.</span><span class=\"f charStyle-34546584 ps3995\" style=\"width:2.36pt\"> </span></div><div class=\"ps3997 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">2025 gab es keinen Zinsaufwand aus dem TLTRO-III-Programm</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps3998 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">(2024: Zinsaufwand in H\u00f6he von 5,8 Mio. \u20ac; im Posten</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps4000 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:114.11pt\">Zinsaufwand ausgewiesen).</span><span class=\"f charStyle-34546584 ps3999\" style=\"width:2.36pt\"> </span></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps1632\">26 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2852\">Begebene Schuldverschreibungen, </span></div><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Nachrang- und Erg\u00e4nzungskapital</span></div><div class=\"ps4001 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Begebene Schuldverschreibungen sowie Nachrang- und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4002 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Erg\u00e4nzungskapital werden in der Kategorie \u201eErfolgswirksam</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4003 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">zum beizulegenden Zeitwert bewertete finanzielle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps191 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verbindlichkeiten\u201c bzw. in der Kategorie \u201eFinanzielle</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps193 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten\u201c</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps194 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">ausgewiesen. Insgesamt ergibt sich das folgende</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps195 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:145.12pt\">Gesamtvolumen (IFRS-Buchwerte):</span></div><div class=\"ps4027 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps281 ss261\"><span class=\"f charStyle-c5fdbd46 ps4005\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps2044 ss264\"><div><div class=\"ps624 ss263\"><span class=\"f charStyle-37455c2a ps4006\">Bewertung zum <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps4007\">beizulegenden Zeitwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps624 ss263\"><span class=\"f charStyle-37455c2a ps4008\">Bewertung zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps4009\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps4010\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4011 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps295 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Begebene Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4012 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4013 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.713<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.280<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.736<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.343<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4016 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4017 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2763 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4020 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4021 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4022 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4023 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">630<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">630<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps313 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4024 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps314 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps315 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.130<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps316 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.148<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps318 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.287<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps726 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4025 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4026 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.174<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps729 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.583<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.274<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">In der folgenden Tabelle werden die wesentlichen Konditionen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der begebenen Schuldverschreibungen angef\u00fchrt, deren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:134.46pt\">Nominale 200\u00a0Mio.\u00a0\u20ac \u00fcbersteigt:</span></div><div class=\"ps3127 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:123.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps4029\">ISIN<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4031 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4030\">Typ<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3017 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4032\">W\u00e4hrung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4035 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4033\">Nominale<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4034\">in Mio. EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4038 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4036\">Art der <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4037\">Verzinsung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4040 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps4039\">Kupon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4041\">Laufzeitende<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2523326853<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4043 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps4045 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4047 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4049 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">2,000%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">25.08.2032<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2570759154<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">850<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4053 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4054 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,130%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">12.01.2029<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2234573710<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4055 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4056 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4057 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4058 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4059 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">23.09.2030<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2468221747<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4060 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4061 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4062 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4063 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4064 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">1,125%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.07.2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2487770104<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4065 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4066 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4067 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4068 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4069 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">1,750%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">08.03.2030<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2556232143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4070 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4071 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4072 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4073 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4074 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,000%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">17.05.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps461 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2618704014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4075 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4076 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4077 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4078 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4079 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,380%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">04.05.2026<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps466 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2773068676<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4081 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4082 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">750<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4083 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4084 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,125%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">27.02.2031<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps473 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS1551294926<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4085 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4086 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4087 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4088 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4089 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,750%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">18.01.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps478 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS1637329639<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4090 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4091 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4092 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4093 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4094 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">27.06.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps484 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2013520023<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4098 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4099 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,625%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">19.06.2034<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps489 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2049584084<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4102 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4103 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4104 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4105 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4106 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,375%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps493 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">03.09.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps659 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2058855441<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4107 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4108 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4109 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4110 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4111 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">02.10.2029<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps665 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2259776230<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4112 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4113 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4114 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4115 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4116 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps671 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">19.11.2035<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps672 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2106563161<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4117 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4118 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4119 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4120 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4121 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps677 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">21.01.2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps678 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2320539765<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4122 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4123 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4124 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4125 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4126 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,375%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">25.03.2041<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps683 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2340854848<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4127 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4128 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4129 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4130 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4131 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps689 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">12.05.2031<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2351073098<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4132 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3748 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4135 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,038%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">06.09.2036<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2380748439<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4142 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,010%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4143 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">03.09.2029<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4144 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2429205540<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4145 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4146 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4147 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4148 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4149 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,250%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">12.01.2032<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2531479462<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4152 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4153 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4154 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4155 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4156 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">4,130%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4157 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">18.01.2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1702 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2642546399<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4158 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4042\">Covered<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4159 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4160 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4161 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4162 ss268\"><div><div class=\"ps291 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">0,034%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1705 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">28.06.2030<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1706 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2851605886<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4163 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4164 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4165 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4166 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4167 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,125%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1708 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">10.03.2029<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4168 ss269\"><div><div class=\"ps1717 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2981978989<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4169 ss73\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4170 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4171 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4172 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4173 ss269\"><div><div class=\"ps1717 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,500%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4174 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">21.01.2032<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4175 ss269\"><div><div class=\"ps1717 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS3170898723<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4176 ss73\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4177 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4178 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4179 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4180 ss269\"><div><div class=\"ps1717 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,375%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4181 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">09.02.2033<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4182 ss270\"><div><div class=\"ps2027 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2707629056<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4186 ss95\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4183\">Erg\u00e4nzungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4184\">kapital \u2013 </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4185\">Tier II</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4187 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4188 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">400<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4189 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4190 ss270\"><div><div class=\"ps2027 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">6,750%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4191 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">24.02.2034<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4192 ss270\"><div><div class=\"ps2027 ss266\"><span class=\"f charStyle-37455c2a ps36\">XS2997361485<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4193 ss95\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4183\">Erg\u00e4nzungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4184\">kapital \u2013 </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4185\">Tier II</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4194 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4195 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4196 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4197 ss270\"><div><div class=\"ps2027 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">4,125%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4198 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">07.05.2025<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4199 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-37455c2a ps36\">AT0000A31L43<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4200 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4100\">Senior <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4101\">unsecured<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4201 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4044\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4204 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-b27625d4 ps4202\">200</span><span class=\"f charStyle-8e2bfe67 ps4203\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4205 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps4046\">Fix<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4206 ss267\"><div><div class=\"ps281 ss266\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4048\"></span><span class=\"ps4048\">3,750%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4207 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">10.02.2026<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"13\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps4209 ss271\"><div><div class=\"ps4208 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">1 Davon 6\u00a0Mio.\u00a0\u20ac zur\u00fcckgekauft.</span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps1632\">27 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2852\">Restlaufzeiten Verbindlichkeiten</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die folgenden Tabellen zeigen die Aufgliederung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">finanziellen Verbindlichkeiten (exkl. Derivaten) nach deren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:106.97pt\">vertraglicher Restlaufzeit:</span></div><div class=\"ps4242 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten \u2013 Gliederung nach Restlaufzeiten 2025</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4212\">t\u00e4glich f\u00e4llig<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4213\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4214\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4215\">3 Monate bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4216\">1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps4220\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4012 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4013 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4016 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4017 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4020 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4021 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4022 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2764 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2765 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1839 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4221 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">40.399<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4222 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.800<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4223 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.293<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4224 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.108<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.767<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2767 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4225 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">65<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4226 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4227 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">374<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2260 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">263<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2261 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">812<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps884 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4229 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4230 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4231 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.042<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4232 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">8.709<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4233 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.948<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4234 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.713<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1094 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4235 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4236 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4237 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">431<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">254<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4238 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4239 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">305<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4240 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1099 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1100 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">470<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1101 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.130<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps751 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4241 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">40.464<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.225<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.435<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">10.913<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">8.725<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">65.762<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4244 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten \u2013 Gliederung nach Restlaufzeiten 2024</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4212\">t\u00e4glich f\u00e4llig<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4213\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4214\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4215\">3 Monate bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4216\">1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4243\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4012 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4013 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">31<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4016 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4017 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4020 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4021 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4022 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2764 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1839 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4221 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4222 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.555<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4223 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4224 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.152<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.779<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2767 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4225 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4226 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">506<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4227 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2260 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">641<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps884 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4229 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4230 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4231 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4232 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.704<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4233 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.665<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4234 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.280<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1094 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4235 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4236 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4237 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">201<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">422<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">631<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4238 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4239 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4240 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">73<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1099 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">493<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1100 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">478<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1101 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps751 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4241 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">36.215<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.564<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.489<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">9.848<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">9.593<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">64.709<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSubordinatedLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-740": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2895\">Handelspassiva</span><div class=\"ps3982 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Derivate des Bankbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">W\u00e4hrungsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">44<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Zinsbezogene Derivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">432<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">405<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Kreditderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialLiabilitiesHeldForTradingExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-741": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Finanzielle Verbindlichkeiten zu </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">fortgef\u00fchrten Anschaffungskosten</span></div><div class=\"ps2792 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">812<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Girobereich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.027<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">19.450<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">17.360<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.154<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.663<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.278<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Einlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">27.340<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">26.720<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">T\u00e4glich f\u00e4llige Einlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps476 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.412<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps477 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.847<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps482 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">20.052<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps483 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.517<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps487 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps488 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">281<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps492 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">148<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps493 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps497 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps499 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">44<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps626\">Termineinlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps503 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">6.928<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps504 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.873<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps510 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">6.421<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps511 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.997<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">431<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.808<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">68<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps2762\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps775 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps776 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Begebene Schuldverschreibungen und Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.174<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1767 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps1769 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.713<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1770 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.280<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1771 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1772 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1773 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">630<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3985 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Andere verbriefte Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3986 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.130<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3987 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3988 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3989 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">65.707<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3990 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">64.608<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3991 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Bei den begebenen Schuldverschreibungen handelt es sich im</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3992 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:189.37pt\">Wesentlichen um b\u00f6rsennotierte Emissionen.</span></div><div class=\"ps3993 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zum 31. Dezember 2025 und zum 31. Dezember 2024 gab es</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps3994 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">keinen ausstehenden Betrag aus der TLTRO-III-Fazilit\u00e4t der EZB</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps3996 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:24.7pt\">mehr.</span><span class=\"f charStyle-34546584 ps3995\" style=\"width:2.36pt\"> </span></div><div class=\"ps3997 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">2025 gab es keinen Zinsaufwand aus dem TLTRO-III-Programm</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps3998 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">(2024: Zinsaufwand in H\u00f6he von 5,8 Mio. \u20ac; im Posten</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps4000 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:114.11pt\">Zinsaufwand ausgewiesen).</span><span class=\"f charStyle-34546584 ps3999\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-b1e544a7 ps2852\">Restlaufzeiten Verbindlichkeiten</span><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die folgenden Tabellen zeigen die Aufgliederung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">finanziellen Verbindlichkeiten (exkl. Derivaten) nach deren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:106.97pt\">vertraglicher Restlaufzeit:</span></div><div class=\"ps4242 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten \u2013 Gliederung nach Restlaufzeiten 2025</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4212\">t\u00e4glich f\u00e4llig<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4213\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4214\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4215\">3 Monate bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4216\">1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps4220\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4012 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4013 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4016 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4017 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4020 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4021 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4022 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2764 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2765 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">18<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1839 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4221 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">40.399<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4222 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.800<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4223 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.293<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4224 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.108<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.767<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2767 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4225 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">65<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4226 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4227 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">374<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2260 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">263<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2261 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">812<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps884 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4229 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4230 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4231 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.042<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4232 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">8.709<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4233 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.948<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4234 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.713<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1094 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4235 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4236 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4237 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">431<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">254<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">685<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4238 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4239 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">305<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4240 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1099 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1100 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">470<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1101 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.130<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps751 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4241 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">40.464<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.225<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.435<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">10.913<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">8.725<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">65.762<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4244 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten \u2013 Gliederung nach Restlaufzeiten 2024</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4212\">t\u00e4glich f\u00e4llig<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4213\">Bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4214\">3 Monate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4215\">3 Monate bis <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4216\">1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4243\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4012 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4013 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">31<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4016 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4017 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4020 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4021 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4022 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2764 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1839 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4221 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4222 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.555<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4223 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4224 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.152<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.779<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2767 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4225 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4226 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">506<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4227 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2260 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">641<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps884 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4229 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4230 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4231 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4232 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.704<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4233 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.665<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4234 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.280<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1094 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4235 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4236 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4237 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">201<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">422<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">631<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kassenobligationen und nicht b\u00f6rsenotierte Private <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Placements<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4238 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4239 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4240 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">73<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1099 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">493<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1100 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">478<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1101 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps751 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4241 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">36.215<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.564<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.489<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">9.848<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">9.593<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">64.709<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDepositsFromBanksExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-743": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">R\u00fcckstellungen</span><div class=\"ps1179 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sozialkapitalr\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">215<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">234<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">hievon f\u00fcr Abfertigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">64<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">hievon f\u00fcr Pensionen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">169<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">hievon f\u00fcr Jubil\u00e4umsgeld<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Drohende Verluste aus schwebenden <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps36\">Gesch\u00e4ften</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps650\">26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3711 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2349 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Kreditzusagen, B\u00fcrgschaften, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">Garantien</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4245 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4246 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2353 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Andere R\u00fcckstellungen inklusive <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps36\">Rechtsrisiken</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4247 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4248 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4249 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4250 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps622\">251<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4251 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps622\">285<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Bei den Sozialkapitalr\u00fcckstellungen handelt es sich zur G\u00e4nze</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4253 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">um langfristige R\u00fcckstellungen. R\u00fcckstellungen f\u00fcr drohende</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4254 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Verluste aus schwebenden Gesch\u00e4ften in H\u00f6he von 26\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps4255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">(2024: 16 Mio. \u20ac) und andere Risiken inklusive Rechtsrisiken in</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">H\u00f6he von 10\u00a0Mio.\u00a0\u20ac (2024: 5 Mio. \u20ac) werden voraussichtlich</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps4257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">nach mehr als 12 Monaten verwendet. Im Gesch\u00e4ftsjahr 2024</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">wurde eine R\u00fcckstellung in Zusammenhang mit der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zwischenbankbefreiung gem\u00e4\u00df \u00a7 6 Abs 1 Z 28 (2. Satz) UStG in</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">H\u00f6he von 5 Mio. \u20ac gebildet. Diese Befreiung k\u00f6nnte durch den</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps4261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Europ\u00e4ischen Gerichtshof oder die Europ\u00e4ische Kommission</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">als eine mit dem Unionsrecht unvereinbare Beihilfe eingestuft</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:112.35pt\">und r\u00fcckgefordert werden.</span><span class=\"f charStyle-34546584 ps4263\" style=\"width:2.36pt\"> </span></div><div class=\"ps4265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die anderen R\u00fcckstellungen beinhalten R\u00fcckstellungen in</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.97pt\">H\u00f6he von 5 Mio. \u20ac (2024: 25 Mio. \u20ac) f\u00fcr Rechts-, Integrations-</span><span class=\"f charStyle-34546584 ps920\" style=\"width:2.36pt\"> </span></div><div class=\"ps4267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">und Prozessrisiken, die im Rahmen der Kaufpreisallokation f\u00fcr</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:94.02pt\">Knab gebildet wurden.</span><span class=\"f charStyle-34546584 ps4268\" style=\"width:2.36pt\"> </span></div><div class=\"ps4301 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:146.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"background-color:#ffffff;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss140\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Entwicklung des Sozialkapitals<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss273\"><div><div class=\"ps4269 ss272\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4272 ss73\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps4270\">Pensions-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4271\">r\u00fcckstellung</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4275 ss275\"><div><div class=\"ps40 ss274\"><span class=\"f charStyle-37455c2a ps4273\">Abfertigungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss274\"><span class=\"f charStyle-37455c2a ps4274\">r\u00fcckstellung</span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2548 ss273\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-7ff22fcd ps36\">Barwert der erworbenen Anspr\u00fcche per <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss272\"><span class=\"f charStyle-7ff22fcd ps36\">01.01.2025</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4276 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">182<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4278 ss275\"><div><div class=\"ps1717 ss274\"><span class=\"f charStyle-0b080fec ps4277\">64<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4279 ss276\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-37455c2a ps36\">Dienstzeitaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4280 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4282 ss277\"><div><div class=\"ps40 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4281\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss276\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-37455c2a ps36\">Zinsaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4283 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4284 ss277\"><div><div class=\"ps40 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4281\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4285 ss273\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-37455c2a ps36\">Versicherungsmathematischer Gewinn/<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss272\"><span class=\"f charStyle-37455c2a ps36\">Verlust</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps872 ss276\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-37455c2a ps621\">aus finanziellen Annahmen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4286 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4288 ss277\"><div><div class=\"ps40 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4287\">-3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps876 ss273\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-37455c2a ps621\">aus sonstigen Gr\u00fcnden, insbesondere <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss272\"><span class=\"f charStyle-37455c2a ps621\">experience results</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4289 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4290 ss275\"><div><div class=\"ps1717 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4287\">-1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2689 ss276\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4291 ss276\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-37455c2a ps621\">Zahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4292 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4293 ss277\"><div><div class=\"ps40 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4287\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2359 ss273\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-7ff22fcd ps36\">Barwert der erworbenen Anspr\u00fcche per <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss272\"><span class=\"f charStyle-7ff22fcd ps36\">31.12.2025</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4294 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4295 ss275\"><div><div class=\"ps1717 ss274\"><span class=\"f charStyle-0b080fec ps4277\">58<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps659 ss273\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-37455c2a ps36\">Beizulegender Zeitwert des <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss272\"><span class=\"f charStyle-37455c2a ps36\">Planverm\u00f6gens</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4296 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4298 ss275\"><div><div class=\"ps1717 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4297\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps904 ss276\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-7ff22fcd ps36\">R\u00fcckstellung per 31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4299 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps622\">156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4300 ss277\"><div><div class=\"ps40 ss274\"><span class=\"f charStyle-0b080fec ps4277\">58<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps797 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"background-color:#ffffff;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4270\">Pensions-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4271\">r\u00fcckstellung</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4302\">Abfertigungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4271\">r\u00fcckstellung</span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Barwert der erworbenen Anspr\u00fcche per <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">01.01.2024</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2842 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">190<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps650\">65<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3720 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Dienstzeitaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4303 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4304 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zinsaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4305 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4306 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3726 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Versicherungsmathematischer Gewinn/<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps36\">Verlust</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps621\">aus finanziellen Annahmen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4307 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4308 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3732 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps621\">aus sonstigen Gr\u00fcnden, insbesondere <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps621\">experience results</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4309 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4310 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3594 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1355 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Zahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4312 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps746 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Barwert der erworbenen Anspr\u00fcche per <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">31.12.2024</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4313 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">182<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4314 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps650\">64<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4315 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Beizulegender Zeitwert des <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Planverm\u00f6gens</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4316 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4317 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3258 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">R\u00fcckstellung per 31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">169<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4319 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">64<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4320 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Die gewichtete durchschnittliche Laufzeit der \u00f6sterreichischen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Pensionspl\u00e4ne zum 31. Dezember 2025 betr\u00e4gt 8,34 Jahre</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps4322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(2024: 8,95 Jahre), jene f\u00fcr deutsche Pensionspl\u00e4ne 9,79 Jahre</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps4323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(2024: 10,65 Jahre), jene f\u00fcr Schweizer Pensionspl\u00e4ne 12,00</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps4325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:152.93pt\">Jahre (2024: 12,30 Jahre), jene f\u00fcr </span><span class=\"f charStyle-612049ed ps4324\" style=\"width:109.08pt\">Abfertigungsr\u00fcckstellungen</span><span class=\"f charStyle-612049ed ps212\" style=\"width:2.16pt\"> </span></div><div class=\"ps4326 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-612049ed ps185\" style=\"width:147.54pt\">betr\u00e4gt 8,42 Jahre (2024: 9,33 Jahre).</span></div><div class=\"ps4333 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss107\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung des fondsgebundenen anrechenbaren </span></div><div class=\"ps2467 ss67\"><span class=\"f charStyle-b07a4b4f ps36\">Pensionsverm\u00f6gens</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps4327 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps616\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4328 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Pensionskassenverm\u00f6gen 01.01.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsumrechnung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Wert\u00e4nderungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Ertrag aus dem Planverm\u00f6gen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4329 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4330 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Pensionskassenverm\u00f6gen 31.12.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4331 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4332 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4334 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Die Wert\u00e4nderungen umfassen erwartete Ertr\u00e4ge aus</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4335 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Planverm\u00f6gen, versicherungsmathematische Gewinne und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps4336 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verluste, Beitr\u00e4ge des Arbeitgebers, Beitr\u00e4ge der Teilnehmer</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps4337 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:194.41pt\">des Plans und gezahlte Versorgungsleistungen.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:253.6pt\">Das Pensionskassenverm\u00f6gen setzt sich wie folgt zusammen:</span></div><div class=\"ps4345 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps616\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps4339\"></span><span class=\"ps4339\">35%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4339\"></span><span class=\"ps4339\">42%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Eigenkapitalinstrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps4339\"></span><span class=\"ps4339\">32%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4339\"></span><span class=\"ps4339\">28%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps4339\"></span><span class=\"ps4339\">17%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4339\"></span><span class=\"ps4339\">16%</span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zahlungsmittel und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zahlungsmittel\u00e4quivalente</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps4340\"></span><span class=\"ps4340\">2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3004 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4340\"></span><span class=\"ps4340\">1%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Alternative Investments<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4341 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps4340\"></span><span class=\"ps4340\">4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4342 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4340\"></span><span class=\"ps4340\">3%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps319 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4343 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps4339\"></span><span class=\"ps4339\">10%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4344 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4339\"></span><span class=\"ps4339\">10%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4346 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Schuldverschreibungen, welche von der BAWAG P.S.K.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4347 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:232.13pt\">emittiert wurden, betragen 0,053% des Planverm\u00f6gens.</span></div><div class=\"ps4348 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">F\u00fcr alle Eigenkapitaltitel und fix verzinsten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4349 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Schuldverschreibungen bestehen Marktpreisnotierungen in</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4350 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aktiven M\u00e4rkten. Die fix verzinsten Investments stammen im</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4351 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Wesentlichen von europ\u00e4ischen Emittenten und haben ein</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:136.24pt\">durchschnittliches Rating von A-.</span></div><div class=\"ps4353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die strategische Investmentpolitik der Pensionsfonds kann wie</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4354 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:132.55pt\">folgt zusammengefasst werden:</span></div><div class=\"ps4355 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Ein strategischer Asset-Mix, der 35% Anleihen, 32%</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps4356 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Eigenkapitalinstrumente, 17% Immobilien und 16%</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps4357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:129.31pt\">sonstige Investitionen umfasst;</span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">die Gewichtung der Investitionen kann innerhalb der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">langfristigen strategischen Veranlagungsklassen in einer</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">definierten Bandbreite schwanken: Anleihen: 25%\u2013100%,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Eigenkapitaltitel: 10%\u201318%, sonstige Investitionen: 0%\u2013</span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:20.33pt\">37%;</span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">das Zinsrisiko wird anhand eines aktiven</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Risikomanagements der Duration aller fixverzinsten</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:181.82pt\">Verm\u00f6genswerte \u00fcberwacht und gesteuert;</span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">das W\u00e4hrungsrisiko wird mit dem Ziel gesteuert, es auf</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:116.67pt\">maximal 20% zu reduzieren.</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die BAWAG erwartet, dass im Jahr 2026 Beitr\u00e4ge in H\u00f6he von</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">0,2\u00a0Mio.\u00a0\u20ac an die Pensionskasse f\u00fcr den Erwerb von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:250.71pt\">Verm\u00f6genswerten zu leisten sein werden (2025: 0,2\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Sensitivit\u00e4tsanalysen</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Bei Konstanthaltung der anderen Annahmen h\u00e4tten die bei</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">vern\u00fcnftiger Betrachtungsweise am Abschlussstichtag m\u00f6glich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">gewesenen Ver\u00e4nderungen bei einer der ma\u00dfgeblichen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">versicherungsmathematischen Annahmen zu folgenden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">leistungsorientierten Verpflichtungen f\u00fcr Pensionen und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Abfertigungen gef\u00fchrt; der Ausgangswert f\u00fcr die Berechnung</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">ist der zum 31. Dezember 2025 bestehende Barwert der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">leistungsorientierten Zusagen in H\u00f6he von 228\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:50.28pt\">246\u00a0Mio.\u00a0\u20ac):</span></div><div class=\"ps4363 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Sensitivit\u00e4tsanalyse zum 31. Dezember 2025</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps1091 ss131\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps624 ss263\"><span class=\"f charStyle-37455c2a ps4358\">Pensions- und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps4359\">Abfertigungsr\u00fcckstellungen</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps3398\">Erh\u00f6hung der <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4360\">Variablen</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4361\">Verringerung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4362\">der Variablen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Zinssatz \u2013 Ver\u00e4nderung um 1 Prozentpunkt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">198<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">236<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Zuk\u00fcnftige Gehaltserh\u00f6hungen \u2013 Ver\u00e4nderung um 1 Prozentpunkt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">233<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">200<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Fluktuation \u2013 Ver\u00e4nderung um 1 Prozentpunkt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">210<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">217<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Zuk\u00fcnftige Sterberaten \u2013 Ver\u00e4nderung um 1 Prozentpunkt (nur Pensionsr\u00fcckstellungen)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">157<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4364 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss132\"><div><div class=\"ps276 ss131\"><span class=\"f charStyle-b07a4b4f ps36\">Sensitivit\u00e4tsanalyse zum 31. Dezember 2024</span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps1091 ss131\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps624 ss263\"><span class=\"f charStyle-37455c2a ps4358\">Pensions- und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps4359\">Abfertigungsr\u00fcckstellungen</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps3398\">Erh\u00f6hung der <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4360\">Variablen</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4361\">Verringerung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4362\">der Variablen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Zinssatz \u2013 Ver\u00e4nderung um 1 Prozentpunkt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">216<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">262<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Zuk\u00fcnftige Gehaltserh\u00f6hungen \u2013 Ver\u00e4nderung um 1 Prozentpunkt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">217<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Fluktuation \u2013 Ver\u00e4nderung um 1 Prozentpunkt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">231<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">237<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Zuk\u00fcnftige Sterberaten \u2013 Ver\u00e4nderung um 1 Prozentpunkt (nur Pensionsr\u00fcckstellungen)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">174<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">174<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"background-color:#ffffff;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung der Sonstigen R\u00fcckstellungen</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4365\">Stand <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">01.01.2025</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4366\">Zuf\u00fchrung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4367\">Verbrauch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2034\">Aufl\u00f6sung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps3353\">Andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1336\">Anpassungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-584de24a ps4368\">Stand <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">51<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Drohende Verluste aus schwebenden Gesch\u00e4ften<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">26<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">\u00dcbrige R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4373 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4365\">Stand <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">01.01.2024</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4366\">Zuf\u00fchrung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4367\">Verbrauch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2034\">Aufl\u00f6sung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps3353\">Andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1336\">Anpassungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-0b080fec ps4371\">Stand <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">42<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">51<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Drohende Verluste aus schwebenden Gesch\u00e4ften<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">\u00dcbrige R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>29 |",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfProvisionsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-742": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">R\u00fcckstellungen</span><div class=\"ps1179 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sozialkapitalr\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">215<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">234<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">hievon f\u00fcr Abfertigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">64<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">hievon f\u00fcr Pensionen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">169<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">hievon f\u00fcr Jubil\u00e4umsgeld<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Drohende Verluste aus schwebenden <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps36\">Gesch\u00e4ften</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps650\">26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3711 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2349 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">Kreditzusagen, B\u00fcrgschaften, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">Garantien</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4245 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4246 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2353 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Andere R\u00fcckstellungen inklusive <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps36\">Rechtsrisiken</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4247 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4248 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4249 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4250 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps622\">251<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4251 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps622\">285<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Bei den Sozialkapitalr\u00fcckstellungen handelt es sich zur G\u00e4nze</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4253 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">um langfristige R\u00fcckstellungen. R\u00fcckstellungen f\u00fcr drohende</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4254 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Verluste aus schwebenden Gesch\u00e4ften in H\u00f6he von 26\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps4255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">(2024: 16 Mio. \u20ac) und andere Risiken inklusive Rechtsrisiken in</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">H\u00f6he von 10\u00a0Mio.\u00a0\u20ac (2024: 5 Mio. \u20ac) werden voraussichtlich</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps4257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">nach mehr als 12 Monaten verwendet. Im Gesch\u00e4ftsjahr 2024</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">wurde eine R\u00fcckstellung in Zusammenhang mit der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zwischenbankbefreiung gem\u00e4\u00df \u00a7 6 Abs 1 Z 28 (2. Satz) UStG in</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">H\u00f6he von 5 Mio. \u20ac gebildet. Diese Befreiung k\u00f6nnte durch den</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps4261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Europ\u00e4ischen Gerichtshof oder die Europ\u00e4ische Kommission</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">als eine mit dem Unionsrecht unvereinbare Beihilfe eingestuft</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:112.35pt\">und r\u00fcckgefordert werden.</span><span class=\"f charStyle-34546584 ps4263\" style=\"width:2.36pt\"> </span></div><div class=\"ps4265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die anderen R\u00fcckstellungen beinhalten R\u00fcckstellungen in</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.97pt\">H\u00f6he von 5 Mio. \u20ac (2024: 25 Mio. \u20ac) f\u00fcr Rechts-, Integrations-</span><span class=\"f charStyle-34546584 ps920\" style=\"width:2.36pt\"> </span></div><div class=\"ps4267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">und Prozessrisiken, die im Rahmen der Kaufpreisallokation f\u00fcr</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:94.02pt\">Knab gebildet wurden.</span><span class=\"f charStyle-34546584 ps4268\" style=\"width:2.36pt\"> </span></div><div class=\"ps4301 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:146.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"background-color:#ffffff;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss140\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Entwicklung des Sozialkapitals<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss273\"><div><div class=\"ps4269 ss272\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4272 ss73\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps4270\">Pensions-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4271\">r\u00fcckstellung</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4275 ss275\"><div><div class=\"ps40 ss274\"><span class=\"f charStyle-37455c2a ps4273\">Abfertigungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss274\"><span class=\"f charStyle-37455c2a ps4274\">r\u00fcckstellung</span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2548 ss273\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-7ff22fcd ps36\">Barwert der erworbenen Anspr\u00fcche per <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss272\"><span class=\"f charStyle-7ff22fcd ps36\">01.01.2025</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4276 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">182<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4278 ss275\"><div><div class=\"ps1717 ss274\"><span class=\"f charStyle-0b080fec ps4277\">64<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4279 ss276\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-37455c2a ps36\">Dienstzeitaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4280 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4282 ss277\"><div><div class=\"ps40 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4281\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss276\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-37455c2a ps36\">Zinsaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4283 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4284 ss277\"><div><div class=\"ps40 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4281\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4285 ss273\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-37455c2a ps36\">Versicherungsmathematischer Gewinn/<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss272\"><span class=\"f charStyle-37455c2a ps36\">Verlust</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps872 ss276\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-37455c2a ps621\">aus finanziellen Annahmen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4286 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4288 ss277\"><div><div class=\"ps40 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4287\">-3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps876 ss273\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-37455c2a ps621\">aus sonstigen Gr\u00fcnden, insbesondere <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss272\"><span class=\"f charStyle-37455c2a ps621\">experience results</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4289 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4290 ss275\"><div><div class=\"ps1717 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4287\">-1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2689 ss276\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4291 ss276\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-37455c2a ps621\">Zahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4292 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4293 ss277\"><div><div class=\"ps40 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4287\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2359 ss273\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-7ff22fcd ps36\">Barwert der erworbenen Anspr\u00fcche per <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss272\"><span class=\"f charStyle-7ff22fcd ps36\">31.12.2025</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4294 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4295 ss275\"><div><div class=\"ps1717 ss274\"><span class=\"f charStyle-0b080fec ps4277\">58<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps659 ss273\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-37455c2a ps36\">Beizulegender Zeitwert des <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss272\"><span class=\"f charStyle-37455c2a ps36\">Planverm\u00f6gens</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4296 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4298 ss275\"><div><div class=\"ps1717 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4297\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps904 ss276\"><div><div class=\"ps40 ss272\"><span class=\"f charStyle-7ff22fcd ps36\">R\u00fcckstellung per 31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4299 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps622\">156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4300 ss277\"><div><div class=\"ps40 ss274\"><span class=\"f charStyle-0b080fec ps4277\">58<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps797 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"background-color:#ffffff;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4270\">Pensions-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4271\">r\u00fcckstellung</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4302\">Abfertigungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4271\">r\u00fcckstellung</span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Barwert der erworbenen Anspr\u00fcche per <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">01.01.2024</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2842 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">190<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps650\">65<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3720 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Dienstzeitaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4303 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4304 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zinsaufwand<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4305 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4306 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3726 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Versicherungsmathematischer Gewinn/<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps36\">Verlust</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss144\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps621\">aus finanziellen Annahmen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4307 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4308 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3732 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps621\">aus sonstigen Gr\u00fcnden, insbesondere <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps621\">experience results</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4309 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4310 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3594 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1355 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Zahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4312 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps746 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Barwert der erworbenen Anspr\u00fcche per <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">31.12.2024</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4313 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">182<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4314 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps650\">64<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4315 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Beizulegender Zeitwert des <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Planverm\u00f6gens</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4316 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4317 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3258 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">R\u00fcckstellung per 31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">169<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4319 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">64<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4320 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Die gewichtete durchschnittliche Laufzeit der \u00f6sterreichischen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Pensionspl\u00e4ne zum 31. Dezember 2025 betr\u00e4gt 8,34 Jahre</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps4322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(2024: 8,95 Jahre), jene f\u00fcr deutsche Pensionspl\u00e4ne 9,79 Jahre</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps4323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(2024: 10,65 Jahre), jene f\u00fcr Schweizer Pensionspl\u00e4ne 12,00</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps4325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:152.93pt\">Jahre (2024: 12,30 Jahre), jene f\u00fcr </span><span class=\"f charStyle-612049ed ps4324\" style=\"width:109.08pt\">Abfertigungsr\u00fcckstellungen</span><span class=\"f charStyle-612049ed ps212\" style=\"width:2.16pt\"> </span></div><div class=\"ps4326 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-612049ed ps185\" style=\"width:147.54pt\">betr\u00e4gt 8,42 Jahre (2024: 9,33 Jahre).</span></div><div class=\"ps4333 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:26.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss107\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung des fondsgebundenen anrechenbaren </span></div><div class=\"ps2467 ss67\"><span class=\"f charStyle-b07a4b4f ps36\">Pensionsverm\u00f6gens</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2468 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps4327 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps616\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4328 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Pensionskassenverm\u00f6gen 01.01.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsumrechnung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zahlungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Wert\u00e4nderungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Ertrag aus dem Planverm\u00f6gen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4329 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4330 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Pensionskassenverm\u00f6gen 31.12.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4331 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4332 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4334 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Die Wert\u00e4nderungen umfassen erwartete Ertr\u00e4ge aus</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4335 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Planverm\u00f6gen, versicherungsmathematische Gewinne und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps4336 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verluste, Beitr\u00e4ge des Arbeitgebers, Beitr\u00e4ge der Teilnehmer</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps4337 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:194.41pt\">des Plans und gezahlte Versorgungsleistungen.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:253.6pt\">Das Pensionskassenverm\u00f6gen setzt sich wie folgt zusammen:</span></div><div class=\"ps4345 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps616\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps4339\"></span><span class=\"ps4339\">35%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4339\"></span><span class=\"ps4339\">42%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Eigenkapitalinstrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps4339\"></span><span class=\"ps4339\">32%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4339\"></span><span class=\"ps4339\">28%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps4339\"></span><span class=\"ps4339\">17%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4339\"></span><span class=\"ps4339\">16%</span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zahlungsmittel und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zahlungsmittel\u00e4quivalente</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps4340\"></span><span class=\"ps4340\">2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3004 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4340\"></span><span class=\"ps4340\">1%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Alternative Investments<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4341 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps4340\"></span><span class=\"ps4340\">4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4342 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4340\"></span><span class=\"ps4340\">3%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps319 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4343 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps4339\"></span><span class=\"ps4339\">10%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4344 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps4339\"></span><span class=\"ps4339\">10%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4346 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Schuldverschreibungen, welche von der BAWAG P.S.K.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4347 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:232.13pt\">emittiert wurden, betragen 0,053% des Planverm\u00f6gens.</span></div><div class=\"ps4348 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">F\u00fcr alle Eigenkapitaltitel und fix verzinsten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4349 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Schuldverschreibungen bestehen Marktpreisnotierungen in</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4350 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aktiven M\u00e4rkten. Die fix verzinsten Investments stammen im</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4351 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Wesentlichen von europ\u00e4ischen Emittenten und haben ein</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:136.24pt\">durchschnittliches Rating von A-.</span></div><div class=\"ps4353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die strategische Investmentpolitik der Pensionsfonds kann wie</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4354 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:132.55pt\">folgt zusammengefasst werden:</span></div><div class=\"ps4355 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Ein strategischer Asset-Mix, der 35% Anleihen, 32%</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps4356 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Eigenkapitalinstrumente, 17% Immobilien und 16%</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps4357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:129.31pt\">sonstige Investitionen umfasst;</span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">die Gewichtung der Investitionen kann innerhalb der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">langfristigen strategischen Veranlagungsklassen in einer</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">definierten Bandbreite schwanken: Anleihen: 25%\u2013100%,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Eigenkapitaltitel: 10%\u201318%, sonstige Investitionen: 0%\u2013</span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:20.33pt\">37%;</span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">das Zinsrisiko wird anhand eines aktiven</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Risikomanagements der Duration aller fixverzinsten</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:181.82pt\">Verm\u00f6genswerte \u00fcberwacht und gesteuert;</span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">das W\u00e4hrungsrisiko wird mit dem Ziel gesteuert, es auf</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:116.67pt\">maximal 20% zu reduzieren.</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die BAWAG erwartet, dass im Jahr 2026 Beitr\u00e4ge in H\u00f6he von</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">0,2\u00a0Mio.\u00a0\u20ac an die Pensionskasse f\u00fcr den Erwerb von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:250.71pt\">Verm\u00f6genswerten zu leisten sein werden (2025: 0,2\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Sensitivit\u00e4tsanalysen</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Bei Konstanthaltung der anderen Annahmen h\u00e4tten die bei</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">vern\u00fcnftiger Betrachtungsweise am Abschlussstichtag m\u00f6glich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">gewesenen Ver\u00e4nderungen bei einer der ma\u00dfgeblichen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">versicherungsmathematischen Annahmen zu folgenden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">leistungsorientierten Verpflichtungen f\u00fcr Pensionen und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Abfertigungen gef\u00fchrt; der Ausgangswert f\u00fcr die Berechnung</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">ist der zum 31. Dezember 2025 bestehende Barwert der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">leistungsorientierten Zusagen in H\u00f6he von 228\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:50.28pt\">246\u00a0Mio.\u00a0\u20ac):</span></div><div class=\"ps4363 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Sensitivit\u00e4tsanalyse zum 31. Dezember 2025</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps1091 ss131\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps624 ss263\"><span class=\"f charStyle-37455c2a ps4358\">Pensions- und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps4359\">Abfertigungsr\u00fcckstellungen</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps3398\">Erh\u00f6hung der <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4360\">Variablen</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4361\">Verringerung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4362\">der Variablen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Zinssatz \u2013 Ver\u00e4nderung um 1 Prozentpunkt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">198<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">236<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Zuk\u00fcnftige Gehaltserh\u00f6hungen \u2013 Ver\u00e4nderung um 1 Prozentpunkt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">233<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">200<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Fluktuation \u2013 Ver\u00e4nderung um 1 Prozentpunkt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">210<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">217<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Zuk\u00fcnftige Sterberaten \u2013 Ver\u00e4nderung um 1 Prozentpunkt (nur Pensionsr\u00fcckstellungen)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">157<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4364 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss132\"><div><div class=\"ps276 ss131\"><span class=\"f charStyle-b07a4b4f ps36\">Sensitivit\u00e4tsanalyse zum 31. Dezember 2024</span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps1091 ss131\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps624 ss263\"><span class=\"f charStyle-37455c2a ps4358\">Pensions- und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss263\"><span class=\"f charStyle-37455c2a ps4359\">Abfertigungsr\u00fcckstellungen</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps3398\">Erh\u00f6hung der <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4360\">Variablen</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4361\">Verringerung <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4362\">der Variablen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Zinssatz \u2013 Ver\u00e4nderung um 1 Prozentpunkt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">216<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">262<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Zuk\u00fcnftige Gehaltserh\u00f6hungen \u2013 Ver\u00e4nderung um 1 Prozentpunkt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">217<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Fluktuation \u2013 Ver\u00e4nderung um 1 Prozentpunkt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">231<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">237<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Zuk\u00fcnftige Sterberaten \u2013 Ver\u00e4nderung um 1 Prozentpunkt (nur Pensionsr\u00fcckstellungen)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">174<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">174<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"background-color:#ffffff;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung der Sonstigen R\u00fcckstellungen</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4365\">Stand <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">01.01.2025</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4366\">Zuf\u00fchrung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4367\">Verbrauch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2034\">Aufl\u00f6sung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps3353\">Andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1336\">Anpassungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-584de24a ps4368\">Stand <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">51<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Drohende Verluste aus schwebenden Gesch\u00e4ften<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">26<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">\u00dcbrige R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4373 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4365\">Stand <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">01.01.2024</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4366\">Zuf\u00fchrung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4367\">Verbrauch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2034\">Aufl\u00f6sung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps3353\">Andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1336\">Anpassungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-0b080fec ps4371\">Stand <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">42<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">51<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Drohende Verluste aus schwebenden Gesch\u00e4ften<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">\u00dcbrige R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>29 |",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEmployeeBenefitsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-744": {
   "value": "<div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"background-color:#ffffff;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung der Sonstigen R\u00fcckstellungen</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4365\">Stand <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">01.01.2025</span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4366\">Zuf\u00fchrung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4367\">Verbrauch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2034\">Aufl\u00f6sung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps3353\">Andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1336\">Anpassungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-584de24a ps4368\">Stand <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">51<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Drohende Verluste aus schwebenden Gesch\u00e4ften<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">26<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">\u00dcbrige R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"background-color:#ffffff;padding:0\"></td><td style=\"background-color:#ffffff;border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4373 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4365\">Stand <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">01.01.2024</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4366\">Zuf\u00fchrung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4367\">Verbrauch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2034\">Aufl\u00f6sung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps3353\">Andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1336\">Anpassungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-0b080fec ps4371\">Stand <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">42<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">51<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Drohende Verluste aus schwebenden Gesch\u00e4ften<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">\u00dcbrige R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>29 |",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherProvisionsContingentLiabilitiesAndContingentAssetsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-748": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Sonstige Verbindlichkeiten</span><div class=\"ps4386 ss0\"><div class=\"ss280 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-584de24a ps4376\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4378 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-37455c2a ps4377\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Schwebeposten aus dem Zahlungsverkehr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4379\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4380 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4379\">254<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Leasingverbindlichkeiten IFRS 16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4379\">162<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4381 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4379\">172<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten aus Restrukturierung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4277\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4382 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4277\">28<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Passiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4379\">404<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4383 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4379\">332<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Rechnungsabgrenzungsposten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4277\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4384 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4277\">40<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3712 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-36b68314 ps4379\">877<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4385 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-0b080fec ps4379\">826<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4387 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Gem\u00e4\u00df IFRS 16 wird am Bereitstellungsdatum des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4388 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Leasingverh\u00e4ltnisses eine Leasingverbindlichkeit bilanziell</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4389 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">erfasst. Die Leasingverbindlichkeit wird in H\u00f6he des Barwerts</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4390 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">der Leasingzahlungen bewertet. Per 31. Dezember 2025 haben</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4391 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">sonstige Verbindlichkeiten in H\u00f6he von 304\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps4392 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">(31.\u00a0Dezember 2024: 302\u00a0Mio.\u00a0\u20ac) eine Restlaufzeit von mehr</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4393 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:61.69pt\">als einem Jahr.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherNoncurrentLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-747": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Sonstige Verbindlichkeiten</span><div class=\"ps4386 ss0\"><div class=\"ss280 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-584de24a ps4376\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4378 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-37455c2a ps4377\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Schwebeposten aus dem Zahlungsverkehr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4379\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4380 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4379\">254<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Leasingverbindlichkeiten IFRS 16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4379\">162<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4381 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4379\">172<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten aus Restrukturierung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4277\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4382 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4277\">28<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Passiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4379\">404<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4383 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4379\">332<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Rechnungsabgrenzungsposten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4277\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4384 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4277\">40<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3712 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-36b68314 ps4379\">877<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4385 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-0b080fec ps4379\">826<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4387 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Gem\u00e4\u00df IFRS 16 wird am Bereitstellungsdatum des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4388 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Leasingverh\u00e4ltnisses eine Leasingverbindlichkeit bilanziell</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4389 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">erfasst. Die Leasingverbindlichkeit wird in H\u00f6he des Barwerts</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4390 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">der Leasingzahlungen bewertet. Per 31. Dezember 2025 haben</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4391 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">sonstige Verbindlichkeiten in H\u00f6he von 304\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps4392 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">(31.\u00a0Dezember 2024: 302\u00a0Mio.\u00a0\u20ac) eine Restlaufzeit von mehr</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4393 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:61.69pt\">als einem Jahr.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAccruedExpensesAndOtherLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-746": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Sonstige Verbindlichkeiten</span><div class=\"ps4386 ss0\"><div class=\"ss280 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-584de24a ps4376\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4378 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-37455c2a ps4377\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Schwebeposten aus dem Zahlungsverkehr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4379\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4380 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4379\">254<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Leasingverbindlichkeiten IFRS 16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4379\">162<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4381 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4379\">172<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten aus Restrukturierung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4277\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4382 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4277\">28<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Passiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4379\">404<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4383 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4379\">332<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Rechnungsabgrenzungsposten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4277\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4384 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4277\">40<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3712 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-36b68314 ps4379\">877<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4385 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-0b080fec ps4379\">826<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4387 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Gem\u00e4\u00df IFRS 16 wird am Bereitstellungsdatum des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4388 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Leasingverh\u00e4ltnisses eine Leasingverbindlichkeit bilanziell</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4389 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">erfasst. Die Leasingverbindlichkeit wird in H\u00f6he des Barwerts</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4390 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">der Leasingzahlungen bewertet. Per 31. Dezember 2025 haben</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4391 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">sonstige Verbindlichkeiten in H\u00f6he von 304\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps4392 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">(31.\u00a0Dezember 2024: 302\u00a0Mio.\u00a0\u20ac) eine Restlaufzeit von mehr</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4393 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:61.69pt\">als einem Jahr.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-745": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Sonstige Verbindlichkeiten</span><div class=\"ps4386 ss0\"><div class=\"ss280 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-584de24a ps4376\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps4378 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-37455c2a ps4377\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Schwebeposten aus dem Zahlungsverkehr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4379\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4380 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4379\">254<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Leasingverbindlichkeiten IFRS 16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4379\">162<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4381 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4379\">172<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten aus Restrukturierung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4277\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4382 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4277\">28<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Passiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3003 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4379\">404<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4383 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4379\">332<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Rechnungsabgrenzungsposten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3710 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4277\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4384 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4277\">40<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3712 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-36b68314 ps4379\">877<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4385 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-0b080fec ps4379\">826<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4387 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Gem\u00e4\u00df IFRS 16 wird am Bereitstellungsdatum des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4388 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Leasingverh\u00e4ltnisses eine Leasingverbindlichkeit bilanziell</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4389 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">erfasst. Die Leasingverbindlichkeit wird in H\u00f6he des Barwerts</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4390 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">der Leasingzahlungen bewertet. Per 31. Dezember 2025 haben</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4391 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">sonstige Verbindlichkeiten in H\u00f6he von 304\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps4392 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">(31.\u00a0Dezember 2024: 302\u00a0Mio.\u00a0\u20ac) eine Restlaufzeit von mehr</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4393 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:61.69pt\">als einem Jahr.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfOtherCurrentLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-749": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Eigenkapital</span><div class=\"ps4579 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Grundkapital</span></div><div class=\"ps4580 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das zur G\u00e4nze einbezahlte Grundkapital betr\u00e4gt 77,0\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4581 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">(2024: 78,6\u00a0Mio.\u00a0\u20ac), eingeteilt in 77.000.000 St\u00fcckaktien (2024:</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4582 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">78.600.000 St\u00fcckaktien). Der R\u00fcckgang ist auf die Einziehung</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4583 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">von 1,6 Millionen Aktien nach Abschluss eines</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4585 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:183.59pt\">Aktienr\u00fcckkaufprogramms zur\u00fcckzuf\u00fchren. </span><span class=\"f charStyle-34546584 ps4584\" style=\"width:78.44pt\">Die BAWAG Group</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4586 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">AG h\u00e4lt 23.045 St\u00fcck eigene Aktien (2024: 75.954 St\u00fcck eigene</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4587 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Aktien), sodass das Grundkapital f\u00fcr Bilanzierungszwecke</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4588 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">netto 77,0\u00a0Mio.\u00a0\u20ac betr\u00e4gt (2024: 78,5\u00a0Mio.\u00a0\u20ac). Die Anzahl der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4589 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">St\u00fcckaktien zum 31. Dezember 2025 exklusive der eigenen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps4591 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:239.09pt\">Aktien betr\u00e4gt 76.976.955 St\u00fcck (2024: 78.524.046 St\u00fcck)</span><span class=\"f charStyle-34546584 ps4590\" style=\"width:2.62pt\">.</span></div><div class=\"ps4592 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Genehmigtes Kapital</span></div><div class=\"ps4593 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.97pt\">Der Vorstand wurde gem\u00e4\u00df \u00a7\u00a05 Nr. 7 der Satzung der BAWAG</span><span class=\"f charStyle-34546584 ps920\" style=\"width:2.36pt\"> </span></div><div class=\"ps4594 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Group AG erm\u00e4chtigt, mit Zustimmung des Aufsichtsrats das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4595 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Grundkapital der Gesellschaft innerhalb von f\u00fcnf Jahren ab</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4596 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Eintragung der Satzungs\u00e4nderung in das Firmenbuch \u2013</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4597 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">allenfalls in mehreren Tranchen \u2013 gegen Bar- und/oder</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1189 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.96pt\">Sacheinlage um bis zu 31,44\u00a0Mio.\u00a0\u20ac durch Ausgabe von bis zu</span><span class=\"f charStyle-34546584 ps1370\" style=\"width:2.36pt\"> </span></div><div class=\"ps11 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">31.440.000 neuen auf Inhaber lautenden nennwertlosen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1290 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">St\u00fcckaktien zu erh\u00f6hen und den Ausgabekurs und die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps12 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Ausgabebedingungen im Einvernehmen mit dem Aufsichtsrat</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1192 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:168.02pt\">festzulegen (Genehmigtes Kapital 2024).</span></div><div class=\"ps1193 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Bedingtes Kapital</span></div><div class=\"ps14 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Das Grundkapital der Gesellschaft wird gem\u00e4\u00df \u00a7\u00a0159 Absatz 2</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1196 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Z 1 AktG um bis zu 7,86\u00a0Mio.\u00a0\u20ac durch Ausgabe von bis zu</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1197 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">7.860.000 St\u00fcck auf Inhaber lautenden nennwertlosen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1198 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">St\u00fcckaktien zum Zwecke der Ausgabe an Gl\u00e4ubiger von</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1199 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wandelschuldverschreibungen, die der Vorstand mit</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1200 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zustimmung des Aufsichtsrats auf Grundlage der in der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1201 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Hauptversammlung vom 8. April 2024 erteilten Erm\u00e4chtigung</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1202 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zuk\u00fcnftig begeben kann, bedingt erh\u00f6ht. Die bedingte</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1203 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Kapitalerh\u00f6hung ist nur insoweit durchzuf\u00fchren, als Gl\u00e4ubiger</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1291 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:177.33pt\">von der Gesellschaft selbst oder von ihren </span><span class=\"f charStyle-cd5358ee ps4598\" style=\"width:84.69pt\">Tochtergesellschaften</span><span class=\"f charStyle-cd5358ee ps201\" style=\"width:2.04pt\"> </span></div><div class=\"ps1292 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-cd5358ee ps185\" style=\"width:210.2pt\">zu begebender Wandelschuldverschreibungen </span><span class=\"f charStyle-34546584 ps4599\" style=\"width:51.84pt\">von ihrem</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1293 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Umtausch- und/oder Bezugsrecht auf Aktien der Gesellschaft</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1205 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gebrauch machen. Ausgabebetrag und Umtauschverh\u00e4ltnis</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1208 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">haben unter Wahrung der Interessen der Gesellschaft, der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1210 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">bestehenden Aktion\u00e4re und der Zeichner der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1215 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Wandelschuldverschreibungen im Rahmen eines</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1222 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">markt\u00fcblichen Preisfindungsverfahren unter Anwendung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1223 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">anerkannter markt\u00fcblicher Methoden und des B\u00f6rsenkurses</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1227 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">der Aktien der Gesellschaft ermittelt zu werden. Der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1230 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Ausgabebetrag der jungen Aktien darf den anteiligen Betrag</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1294 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">am Grundkapital nicht unterschreiten. Die im Rahmen der</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1231 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">bedingten Kapitalerh\u00f6hung auszugebenden Aktien sind in</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1232 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">gleichem Ma\u00dfe wie die bestehenden Aktien der Gesellschaft</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1233 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:91.71pt\">dividendenberechtigt.</span></div><div class=\"ps1237 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Kapital- und Gewinnr\u00fccklagen</span></div><div class=\"ps1295 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Die Kapitalr\u00fccklagen enthalten Einlagen der Gesellschafter, die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1296 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">kein Stammkapital darstellen. In den Gewinnr\u00fccklagen und</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1297 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">sonstigen R\u00fccklagen werden thesaurierte Gewinne sowie im</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1298 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">sonstigen Ergebnis erfasste Ertr\u00e4ge und Aufwendungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1299 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:55.87pt\">ausgewiesen.</span><span class=\"f charStyle-34546584 ps4600\" style=\"width:2.36pt\"> </span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">AT1-Kapital</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Im April 2018 begab die BAWAG Group AG eine AT1-Emission</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">(zus\u00e4tzliches Kernkapital, \u201eAdditional Tier 1\u201c) mit einem</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Volumen von 300\u00a0Mio.\u00a0\u20ac. Aufgrund der vertraglichen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Ausgestaltung wird die Emission gem\u00e4\u00df IAS 32 als Eigenkapital</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">klassifiziert. Direkt mit der Emission verbundene Kosten und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Steuereffekte wurden erfolgsneutral als Abzug vom</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Eigenkapital erfasst. Ebenso werden Kuponzahlungen als</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Dividenden direkt im Eigenkapital dargestellt. 2024 wurde ein</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Volumen von 262,2 Mio. \u20ac r\u00fcckgekauft. Das per 31. Dezember</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">2024 verbleibende Volumen betrug 37,8 Mio. \u20ac. 2025 wurde</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:232.23pt\">das verbleibende Volumen von 37,8 Mio. \u20ac r\u00fcckgekauft.</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Im September 2020 begab die BAWAG Group AG eine AT1-</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Emission (zus\u00e4tzliches Kernkapital, \u201eAdditional Tier 1\u201c) mit</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">einem Volumen von 175\u00a0Mio.\u00a0\u20ac. Aufgrund der vertraglichen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Ausgestaltung wird die Emission gem\u00e4\u00df IAS 32 als Eigenkapital</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">klassifiziert. Direkt mit der Emission verbundene Kosten und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Steuereffekte wurden erfolgsneutral als Abzug vom</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Eigenkapital erfasst. Ebenso werden Kuponzahlungen als</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Dividenden direkt im Eigenkapital dargestellt. 2025 wurde das</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:193.74pt\">gesamte Volumen von 175 Mio. \u20ac r\u00fcckgekauft.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Im September 2024 begab die BAWAG Group AG eine AT1-</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Emission (zus\u00e4tzliches Kernkapital, \u201eAdditional Tier 1\u201c) mit</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">einem Volumen von 500\u00a0Mio.\u00a0\u20ac. Aufgrund der vertraglichen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Ausgestaltung wird die Emission gem\u00e4\u00df IAS 32 als Eigenkapital</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">klassifiziert. Direkt mit der Emission verbundene Kosten und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Steuereffekte wurden erfolgsneutral als Abzug vom</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Eigenkapital erfasst. Ebenso werden Kuponzahlungen als</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:191.81pt\">Dividenden direkt im Eigenkapital dargestellt..</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Dividenden</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Die BAWAG Group hat vorbehaltlich der entsprechenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zustimmungen durch die Aktion\u00e4re Dividenden in H\u00f6he von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:18.07pt\">6,25</span><span class=\"f charStyle-34546584 ps4601\" style=\"width:90.84pt\">\u00a0\u20ac pro Aktie (bis zu </span><span class=\"f charStyle-34546584 ps4602\" style=\"width:15.48pt\">481</span><span class=\"f charStyle-34546584 ps4603\" style=\"width:137.56pt\">\u00a0Mio.\u00a0\u20ac basierend auf den zum</span><span class=\"f charStyle-34546584 ps2431\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zeitpunkt der Aussch\u00fcttung maximal im Umlauf befindlichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Aktien) f\u00fcr 2025 zur Aussch\u00fcttung vorgesehen, die der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">ordentlichen Hauptversammlung am 22. April 2026</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:96.25pt\">vorgeschlagen werden.</span><span class=\"f charStyle-34546584 ps4604\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Im Jahr 2025 wurden Dividenden in H\u00f6he von 432\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:3.13pt\">(</span><span class=\"f charStyle-34546584 ps4605\" style=\"width:18.07pt\">5,50</span><span class=\"f charStyle-34546584 ps4606\" style=\"width:114.61pt\">\u00a0\u20ac pro Aktie) ausgesch\u00fcttet.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Nicht beherrschende Anteile</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Per 31.12.2025 belaufen sich die nicht beherrschenden Anteile</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:155.75pt\">auf EUR 8,5\u00a0Mio.\u00a0\u20ac (2024: 0,0\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Haftr\u00fccklage</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Kreditinstitute haben gem\u00e4\u00df \u00a7\u00a057 Abs. 5 BWG eine</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Haftr\u00fccklage zu bilden. Eine Aufl\u00f6sung der Haftr\u00fccklage darf</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">nur insoweit erfolgen, als dies zur Erf\u00fcllung von</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Verpflichtungen gem\u00e4\u00df \u00a7\u00a093 BWG oder zur Deckung sonst im</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.3pt\">Konzernabschluss auszuweisender Verluste erforderlich ist.</span></div></div><div><div class=\"ps797 ss0\"><div class=\"ss315 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:174.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:4.5pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss316\"><div><div class=\"ps276 ss315\"><span class=\"f charStyle-9f85f029 ps36\">Entwicklung des Sonstigen Ergebnisses <span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:75.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss318\"><div><div class=\"ps2023 ss317\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4610 ss320\"><div><div class=\"ps2035 ss319\"><span class=\"f charStyle-37455c2a ps4608\">Gewinn-<span class=\"f ps37\"> </span></span></div><div class=\"ps2037 ss319\"><span class=\"f charStyle-37455c2a ps4609\">r\u00fccklagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4614 ss320\"><div><div class=\"ps2031 ss319\"><span class=\"f charStyle-e830f798 ps4611\">Cashflow-<span class=\"f ps37\"> </span></span></div><div class=\"ps2033 ss319\"><span class=\"f charStyle-e830f798 ps4612\">Hedge-</span></div><div class=\"ps2035 ss319\"><span class=\"f charStyle-e830f798 ps3026\">R\u00fccklage nach </span></div><div class=\"ps2037 ss319\"><span class=\"f charStyle-e830f798 ps4613\">Steuern</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4038 ss320\"><div><div class=\"ps2027 ss319\"><span class=\"f charStyle-9d43c063 ps4615\">Versiche-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss319\"><span class=\"f charStyle-9d43c063 ps4616\">rungsma-</span></div><div class=\"ps2031 ss319\"><span class=\"f charStyle-9d43c063 ps4617\">thematische </span></div><div class=\"ps2033 ss319\"><span class=\"f charStyle-9d43c063 ps4618\">Gewinne/ </span></div><div class=\"ps2035 ss319\"><span class=\"f charStyle-9d43c063 ps4619\">Verluste nach </span></div><div class=\"ps2037 ss319\"><span class=\"f charStyle-9d43c063 ps772\">Steuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4626 ss320\"><div><div class=\"ps2027 ss319\"><span class=\"f charStyle-37455c2a ps4620\">Im sonst. Erg. <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss319\"><span class=\"f charStyle-37455c2a ps4621\">zum beizul. </span></div><div class=\"ps2031 ss319\"><span class=\"f charStyle-37455c2a ps4622\">Zeitwert </span></div><div class=\"ps2033 ss319\"><span class=\"f charStyle-37455c2a ps4623\">ausgew. </span></div><div class=\"ps2035 ss319\"><span class=\"f charStyle-37455c2a ps4624\">Schuldinstr. </span></div><div class=\"ps2037 ss319\"><span class=\"f charStyle-37455c2a ps4625\">nach Steuern</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3025 ss320\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-47d94f41 ps4627\">Im sonst. Erg. <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss319\"><span class=\"f charStyle-47d94f41 ps4628\">ausgew. zum </span></div><div class=\"ps2027 ss319\"><span class=\"f charStyle-47d94f41 ps4629\">beizul. </span></div><div class=\"ps2029 ss319\"><span class=\"f charStyle-47d94f41 ps4630\">Zeitwert </span></div><div class=\"ps2031 ss319\"><span class=\"f charStyle-47d94f41 ps4631\">bewertete </span></div><div class=\"ps2033 ss319\"><span class=\"f charStyle-47d94f41 ps4632\">Eigenkapital-</span></div><div class=\"ps2035 ss319\"><span class=\"f charStyle-47d94f41 ps4633\">instr. nach </span></div><div class=\"ps2037 ss319\"><span class=\"f charStyle-47d94f41 ps4634\">Steuern</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4640 ss320\"><div><div class=\"ps2027 ss319\"><span class=\"f charStyle-37455c2a ps4635\">\u00c4nderung des <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss319\"><span class=\"f charStyle-37455c2a ps4636\">Credit </span></div><div class=\"ps2031 ss319\"><span class=\"f charStyle-37455c2a ps4101\">Spreads von </span></div><div class=\"ps2033 ss319\"><span class=\"f charStyle-37455c2a ps4637\">finanziellen </span></div><div class=\"ps2035 ss319\"><span class=\"f charStyle-37455c2a ps4638\">Verbindl. nach </span></div><div class=\"ps2037 ss319\"><span class=\"f charStyle-37455c2a ps4639\">Steuern</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2065 ss321\"><div><div class=\"ps291 ss317\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtergebnis 2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4642 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-0b080fec ps4641\">859,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4644 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-0b080fec ps4643\">54,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4646 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-0b080fec ps4645\">6,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4648 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-0b080fec ps4647\">-7,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4649 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-0b080fec ps4645\">1,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4650 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-0b080fec ps4647\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2073 ss323\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps36\">Konzernjahres\u00fcberschuss/-fehlbetrag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4652 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4651\">859,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4654 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4655 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4656 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4657 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4658 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps326 ss325\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-7ff22fcd ps36\">Direkt im Eigenkapital erfasste Ertr\u00e4ge und <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss317\"><span class=\"f charStyle-7ff22fcd ps36\">Aufwendungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4659 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-0b080fec ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4660 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-0b080fec ps4643\">54,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4661 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-0b080fec ps4645\">6,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4662 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-0b080fec ps4647\">-7,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4663 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-0b080fec ps4645\">1,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4664 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-0b080fec ps4647\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps736 ss323\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps621\">Ver\u00e4nderung der Cashflow-Hedge-R\u00fccklage<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4665 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4667 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4666\">71,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4668 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4669 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4670 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4671 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps741 ss327\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps621\">Ver\u00e4nderung der im sonstigen Ergebnis zum <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss317\"><span class=\"f charStyle-37455c2a ps621\">beizulegenden Zeitwert ausgewiesenen </span></div><div class=\"ps2027 ss317\"><span class=\"f charStyle-37455c2a ps621\">Schuldinstrumente</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4672 ss328\"><div><div class=\"ps2027 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4673 ss328\"><div><div class=\"ps2027 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4674 ss328\"><div><div class=\"ps2027 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4676 ss328\"><div><div class=\"ps2027 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4675\">-9,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4677 ss328\"><div><div class=\"ps2027 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4678 ss328\"><div><div class=\"ps2027 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2778 ss329\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps621\">Anteil der direkt im Eigenkapital erfassten <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss317\"><span class=\"f charStyle-37455c2a ps621\">Ertr\u00e4ge und Aufwendungen von assoziierten </span></div><div class=\"ps2027 ss317\"><span class=\"f charStyle-37455c2a ps621\">Unternehmen, die nach der Equity-Methode </span></div><div class=\"ps2029 ss317\"><span class=\"f charStyle-37455c2a ps621\">bilanziert werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4679 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4680 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4681 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4682 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4683 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4684 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps118 ss325\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps621\">Versicherungsmathematische Gewinne/<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss317\"><span class=\"f charStyle-37455c2a ps621\">Verluste aus leistungsorientierten Pl\u00e4nen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4685 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4686 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4688 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">8,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4689 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4690 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4691 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4692 ss329\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-d8d10933 ps621\">Im sonstigen Ergebnis ausgewiesene <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss317\"><span class=\"f charStyle-d8d10933 ps621\">Wert\u00e4nderungen von zum beizulegenden Zeitwert </span></div><div class=\"ps2027 ss317\"><span class=\"f charStyle-d8d10933 ps621\">bewerteten Aktien und anderen Eigenkapitalinstru-</span></div><div class=\"ps2029 ss317\"><span class=\"f charStyle-d8d10933 ps621\">menten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4693 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4694 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4695 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4696 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4697 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4698 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4699 ss325\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps621\">\u00c4nderung des Credit Spreads von finanziellen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss317\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4700 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4701 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4702 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4703 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4704 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4705 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4675\">-0,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1702 ss325\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps621\">Absicherung einer Nettoinvestition in <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss317\"><span class=\"f charStyle-37455c2a ps621\">ausl\u00e4ndische Gesch\u00e4ftsbetriebe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4706 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4707 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4161 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4708 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4709 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4710 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1756 ss323\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps621\">W\u00e4hrungsumrechnung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4711 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4712 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4713 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4714 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4715 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4716 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4717 ss323\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps621\">Ertragssteuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4718 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4720 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4719\">-16,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4721 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4675\">-2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4722 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4723 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4675\">-0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4724 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">0,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss331 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:174.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss332\"><div><div class=\"ps276 ss331\"><span class=\"f charStyle-b07a4b4f ps36\">(Fortsetzung) Entwicklung des Sonstigen Ergebnisses </span></div></div></div></td></tr><tr style=\"height:111.75pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss333\"><div><div class=\"ps4726 ss317\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4610 ss334\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-37455c2a ps4727\">Anteil der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss319\"><span class=\"f charStyle-37455c2a ps4728\">direkt im </span></div><div class=\"ps2027 ss319\"><span class=\"f charStyle-37455c2a ps4729\">Eigenkapital </span></div><div class=\"ps2029 ss319\"><span class=\"f charStyle-37455c2a ps4730\">erfassten Ertr. </span></div><div class=\"ps2031 ss319\"><span class=\"f charStyle-37455c2a ps4731\">und Aufw. von <span class=\"f ps37\"> </span></span></div><div class=\"ps2033 ss319\"><span class=\"f charStyle-37455c2a ps4732\">assoz. </span></div><div class=\"ps2035 ss319\"><span class=\"f charStyle-37455c2a ps4733\">Untern., die </span></div><div class=\"ps2037 ss319\"><span class=\"f charStyle-37455c2a ps4734\">nach der </span></div><div class=\"ps4735 ss319\"><span class=\"f charStyle-37455c2a ps2762\">Equity-</span></div><div class=\"ps4737 ss319\"><span class=\"f charStyle-37455c2a ps4736\">Methode </span></div><div class=\"ps4739 ss319\"><span class=\"f charStyle-37455c2a ps4738\">bilanziert </span></div><div class=\"ps4741 ss319\"><span class=\"f charStyle-37455c2a ps4740\">werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4614 ss334\"><div><div class=\"ps2035 ss319\"><span class=\"f charStyle-d8d10933 ps4742\">Absicherung <span class=\"f ps37\"> </span></span></div><div class=\"ps2037 ss319\"><span class=\"f charStyle-d8d10933 ps4743\">einer Nettoinv. </span></div><div class=\"ps4735 ss319\"><span class=\"f charStyle-d8d10933 ps4744\">in ausl\u00e4nd. </span></div><div class=\"ps4737 ss319\"><span class=\"f charStyle-d8d10933 ps4745\">Gesch\u00e4fts-</span></div><div class=\"ps4739 ss319\"><span class=\"f charStyle-d8d10933 ps4746\">betriebe nach <span class=\"f ps37\"> </span></span></div><div class=\"ps4741 ss319\"><span class=\"f charStyle-d8d10933 ps4747\">Steuern</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4038 ss334\"><div><div class=\"ps4739 ss319\"><span class=\"f charStyle-37455c2a ps4748\">W\u00e4hrungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps4741 ss319\"><span class=\"f charStyle-37455c2a ps4749\">umrechnung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4626 ss334\"><div><div class=\"ps2035 ss319\"><span class=\"f charStyle-e830f798 ps4750\">Eigenkapital, <span class=\"f ps37\"> </span></span></div><div class=\"ps2037 ss319\"><span class=\"f charStyle-e830f798 ps4751\">den Eigen-</span></div><div class=\"ps4735 ss319\"><span class=\"f charStyle-e830f798 ps4752\">t\u00fcmern des </span></div><div class=\"ps4737 ss319\"><span class=\"f charStyle-e830f798 ps4753\">Mutterunter-</span></div><div class=\"ps4739 ss319\"><span class=\"f charStyle-e830f798 ps4754\">nehmens </span></div><div class=\"ps4741 ss319\"><span class=\"f charStyle-e830f798 ps4755\">zurechenbar</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3025 ss334\"><div><div class=\"ps4737 ss319\"><span class=\"f charStyle-37455c2a ps4756\">Nicht beherr-<span class=\"f ps37\"> </span></span></div><div class=\"ps4739 ss319\"><span class=\"f charStyle-37455c2a ps4757\">schende </span></div><div class=\"ps4741 ss319\"><span class=\"f charStyle-37455c2a ps4758\">Anteile</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4761 ss334\"><div><div class=\"ps2037 ss319\"><span class=\"f charStyle-37455c2a ps4729\">Eigenkapital <span class=\"f ps37\"> </span></span></div><div class=\"ps4735 ss319\"><span class=\"f charStyle-37455c2a ps4759\">inkl. nicht </span></div><div class=\"ps4737 ss319\"><span class=\"f charStyle-37455c2a ps4634\">beherr-</span></div><div class=\"ps4739 ss319\"><span class=\"f charStyle-37455c2a ps4760\">schender </span></div><div class=\"ps4741 ss319\"><span class=\"f charStyle-37455c2a ps4758\">Anteile</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3592 ss321\"><div><div class=\"ps291 ss317\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtergebnis 2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4762 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-0b080fec ps4645\">3,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4763 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-0b080fec ps4643\">22,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4765 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-0b080fec ps4764\">-25,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4766 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-0b080fec ps4641\">915,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4767 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-0b080fec ps4645\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4768 ss322\"><div><div class=\"ps291 ss319\"><span class=\"f charStyle-0b080fec ps4641\">917,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3594 ss323\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps36\">Konzernjahres\u00fcberschuss/-fehlbetrag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4769 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4770 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4771 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4772 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4651\">859,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4773 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4774 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4651\">861,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps641 ss325\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-7ff22fcd ps36\">Direkt im Eigenkapital erfasste Ertr\u00e4ge und <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss317\"><span class=\"f charStyle-7ff22fcd ps36\">Aufwendungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4775 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-0b080fec ps4645\">3,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4776 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-0b080fec ps4643\">22,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4777 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-0b080fec ps4764\">-25,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4778 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-0b080fec ps4643\">55,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4779 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-0b080fec ps4647\">-0,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4780 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-0b080fec ps4643\">55,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1723 ss323\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps621\">Ver\u00e4nderung der Cashflow-Hedge-R\u00fccklage<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4781 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4782 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4783 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4666\">71,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4784 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4785 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4666\">71,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4786 ss327\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps621\">Ver\u00e4nderung der im sonstigen Ergebnis zum <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss317\"><span class=\"f charStyle-37455c2a ps621\">beizulegenden Zeitwert ausgewiesenen </span></div><div class=\"ps2027 ss317\"><span class=\"f charStyle-37455c2a ps621\">Schuldinstrumente</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4787 ss328\"><div><div class=\"ps2027 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4788 ss328\"><div><div class=\"ps2027 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4789 ss328\"><div><div class=\"ps2027 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4790 ss328\"><div><div class=\"ps2027 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4675\">-9,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4791 ss328\"><div><div class=\"ps2027 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4792 ss328\"><div><div class=\"ps2027 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4675\">-9,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4793 ss329\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps621\">Anteil der direkt im Eigenkapital erfassten <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss317\"><span class=\"f charStyle-37455c2a ps621\">Ertr\u00e4ge und Aufwendungen von assoziierten </span></div><div class=\"ps2027 ss317\"><span class=\"f charStyle-37455c2a ps621\">Unternehmen, die nach der Equity-Methode </span></div><div class=\"ps2029 ss317\"><span class=\"f charStyle-37455c2a ps621\">bilanziert werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4794 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">4,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4795 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4796 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4797 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">4,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4798 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4799 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">4,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2284 ss325\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps621\">Versicherungsmathematische Gewinne/<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss317\"><span class=\"f charStyle-37455c2a ps621\">Verluste aus leistungsorientierten Pl\u00e4nen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4800 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4801 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4802 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4803 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">8,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4804 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4805 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">8,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4806 ss329\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-d8d10933 ps621\">Im sonstigen Ergebnis ausgewiesene <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss317\"><span class=\"f charStyle-d8d10933 ps621\">Wert\u00e4nderungen von zum beizulegenden Zeitwert </span></div><div class=\"ps2027 ss317\"><span class=\"f charStyle-d8d10933 ps621\">bewerteten Aktien und anderen Eigenkapitalinstru-</span></div><div class=\"ps2029 ss317\"><span class=\"f charStyle-d8d10933 ps621\">menten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4807 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4808 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4809 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4810 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4811 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4812 ss330\"><div><div class=\"ps2029 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4813 ss325\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps621\">\u00c4nderung des Credit Spreads von finanziellen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss317\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4814 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4815 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4816 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4817 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4675\">-0,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4818 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4819 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4675\">-0,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1712 ss325\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps621\">Absicherung einer Nettoinvestition in <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss317\"><span class=\"f charStyle-37455c2a ps621\">ausl\u00e4ndische Gesch\u00e4ftsbetriebe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4820 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4821 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4666\">22,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4822 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4823 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4666\">22,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4824 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4825 ss326\"><div><div class=\"ps1717 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4666\">22,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4826 ss323\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps621\">W\u00e4hrungsumrechnung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4827 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4828 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4829 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4719\">-25,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4830 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4719\">-25,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4831 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4675\">-0,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4832 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4719\">-25,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4833 ss323\"><div><div class=\"ps40 ss317\"><span class=\"f charStyle-37455c2a ps621\">Ertragssteuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4834 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4675\">-1,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4835 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4836 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4837 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4719\">-17,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4838 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4653\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4839 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4719\">-17,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:93pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:4.5pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:35.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"23\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung des Sonstigen Ergebnisses </span></div></div></div></td></tr><tr style=\"height:120.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss336\"><div><div class=\"ps4840 ss335\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4845 ss337\"><div><div class=\"ps4739 ss6\"><span class=\"f charStyle-47d94f41 ps4841\">Gewinn-<span class=\"f ps37\"> </span></span></div><div class=\"ps4741 ss6\"><span class=\"f charStyle-47d94f41 ps4842\">r\u00fcck-<span class=\"f ps37\"> </span></span></div><div class=\"ps4844 ss6\"><span class=\"f charStyle-47d94f41 ps4843\">lagen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps1779 ss337\"><div><div class=\"ps4735 ss6\"><span class=\"f charStyle-e585436c ps1339\">Cashflow<span class=\"f ps37\"> </span></span></div><div class=\"ps4737 ss6\"><span class=\"f charStyle-e585436c ps4846\">-Hedge-</span></div><div class=\"ps4739 ss6\"><span class=\"f charStyle-e585436c ps4847\">R\u00fccklage </span></div><div class=\"ps4741 ss6\"><span class=\"f charStyle-e585436c ps4848\">nach </span></div><div class=\"ps4844 ss6\"><span class=\"f charStyle-e585436c ps4849\">Steuern</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4857 ss337\"><div><div class=\"ps2033 ss6\"><span class=\"f charStyle-b8f2f254 ps4850\">Versiche-<span class=\"f ps37\"> </span></span></div><div class=\"ps2035 ss6\"><span class=\"f charStyle-b8f2f254 ps4851\">rungsma-</span></div><div class=\"ps2037 ss6\"><span class=\"f charStyle-b8f2f254 ps4852\">thema-</span></div><div class=\"ps4735 ss6\"><span class=\"f charStyle-b8f2f254 ps4853\">tische </span></div><div class=\"ps4737 ss6\"><span class=\"f charStyle-b8f2f254 ps4854\">Gewinne/ </span></div><div class=\"ps4739 ss6\"><span class=\"f charStyle-b8f2f254 ps4855\">Verluste </span></div><div class=\"ps4741 ss6\"><span class=\"f charStyle-b8f2f254 ps4856\">nach </span></div><div class=\"ps4844 ss6\"><span class=\"f charStyle-b8f2f254 ps3200\">Steuern</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4867 ss337\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-37455c2a ps4858\">Im <span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss6\"><span class=\"f charStyle-37455c2a ps4859\">sonst. </span></div><div class=\"ps2033 ss6\"><span class=\"f charStyle-37455c2a ps4860\">Erg. zum </span></div><div class=\"ps2035 ss6\"><span class=\"f charStyle-37455c2a ps4861\">beizul. </span></div><div class=\"ps2037 ss6\"><span class=\"f charStyle-37455c2a ps4851\">Zeitwert </span></div><div class=\"ps4735 ss6\"><span class=\"f charStyle-37455c2a ps4862\">ausgew. </span></div><div class=\"ps4737 ss6\"><span class=\"f charStyle-37455c2a ps4863\">Schuld-</span></div><div class=\"ps4739 ss6\"><span class=\"f charStyle-37455c2a ps4864\">instr. <span class=\"f ps37\"> </span></span></div><div class=\"ps4741 ss6\"><span class=\"f charStyle-37455c2a ps4865\">nach </span></div><div class=\"ps4844 ss6\"><span class=\"f charStyle-37455c2a ps4866\">Steuern</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4879 ss337\"><div><div class=\"ps40 ss6\"><span class=\"f charStyle-47d94f41 ps4868\">Im sonst. <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss6\"><span class=\"f charStyle-47d94f41 ps4869\">Erg. </span></div><div class=\"ps2027 ss6\"><span class=\"f charStyle-47d94f41 ps4870\">ausgew. </span></div><div class=\"ps2029 ss6\"><span class=\"f charStyle-47d94f41 ps2472\">zum </span></div><div class=\"ps2031 ss6\"><span class=\"f charStyle-47d94f41 ps4871\">beizul. </span></div><div class=\"ps2033 ss6\"><span class=\"f charStyle-47d94f41 ps4872\">Zeitwert </span></div><div class=\"ps2035 ss6\"><span class=\"f charStyle-47d94f41 ps4873\">bewer-</span></div><div class=\"ps2037 ss6\"><span class=\"f charStyle-47d94f41 ps4874\">tete <span class=\"f ps37\"> </span></span></div><div class=\"ps4735 ss6\"><span class=\"f charStyle-47d94f41 ps4875\">Eigenka-</span></div><div class=\"ps4737 ss6\"><span class=\"f charStyle-47d94f41 ps1800\">pital-</span></div><div class=\"ps4739 ss6\"><span class=\"f charStyle-47d94f41 ps4876\">instr. <span class=\"f ps37\"> </span></span></div><div class=\"ps4741 ss6\"><span class=\"f charStyle-47d94f41 ps4877\">nach </span></div><div class=\"ps4844 ss6\"><span class=\"f charStyle-47d94f41 ps4878\">Steuern</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4038 ss337\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-37455c2a ps4880\">\u00c4nde-<span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss6\"><span class=\"f charStyle-37455c2a ps4881\">rung des </span></div><div class=\"ps2033 ss6\"><span class=\"f charStyle-37455c2a ps4882\">Credit </span></div><div class=\"ps2035 ss6\"><span class=\"f charStyle-37455c2a ps4883\">Spreads </span></div><div class=\"ps2037 ss6\"><span class=\"f charStyle-37455c2a ps4884\">von </span></div><div class=\"ps4735 ss6\"><span class=\"f charStyle-37455c2a ps4885\">finan-</span></div><div class=\"ps4737 ss6\"><span class=\"f charStyle-37455c2a ps4886\">ziellen </span></div><div class=\"ps4739 ss6\"><span class=\"f charStyle-37455c2a ps4887\">Verbindl</span></div><div class=\"ps4741 ss6\"><span class=\"f charStyle-37455c2a ps4888\">. nach </span></div><div class=\"ps4844 ss6\"><span class=\"f charStyle-37455c2a ps4866\">Steuern</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss337\"><div><div class=\"ps2027 ss6\"><span class=\"f charStyle-37455c2a ps4889\">Absiche-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss6\"><span class=\"f charStyle-37455c2a ps4890\">rung </span></div><div class=\"ps2031 ss6\"><span class=\"f charStyle-37455c2a ps4864\">einer </span></div><div class=\"ps2033 ss6\"><span class=\"f charStyle-37455c2a ps4891\">Netto-</span></div><div class=\"ps2035 ss6\"><span class=\"f charStyle-37455c2a ps4892\">inv. in </span></div><div class=\"ps2037 ss6\"><span class=\"f charStyle-37455c2a ps4893\">ausl\u00e4nd. </span></div><div class=\"ps4735 ss6\"><span class=\"f charStyle-37455c2a ps4894\">Ge-</span></div><div class=\"ps4737 ss6\"><span class=\"f charStyle-37455c2a ps4895\">sch\u00e4fts-</span></div><div class=\"ps4739 ss6\"><span class=\"f charStyle-37455c2a ps4896\">betriebe </span></div><div class=\"ps4741 ss6\"><span class=\"f charStyle-37455c2a ps4865\">nach </span></div><div class=\"ps4844 ss6\"><span class=\"f charStyle-37455c2a ps4866\">Steuern</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4900 ss337\"><div><div class=\"ps4737 ss6\"><span class=\"f charStyle-37455c2a ps4897\">W\u00e4h-<span class=\"f ps37\"> </span></span></div><div class=\"ps4739 ss6\"><span class=\"f charStyle-37455c2a ps4750\">rungs-</span></div><div class=\"ps4741 ss6\"><span class=\"f charStyle-37455c2a ps4898\">umrech-</span></div><div class=\"ps4844 ss6\"><span class=\"f charStyle-37455c2a ps4899\">nung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4909 ss337\"><div><div class=\"ps2027 ss6\"><span class=\"f charStyle-e585436c ps4492\">Eigen-<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss6\"><span class=\"f charStyle-e585436c ps4901\">kapital, </span></div><div class=\"ps2031 ss6\"><span class=\"f charStyle-e585436c ps4902\">den </span></div><div class=\"ps2033 ss6\"><span class=\"f charStyle-e585436c ps4492\">Eigen-</span></div><div class=\"ps2035 ss6\"><span class=\"f charStyle-e585436c ps4903\">t\u00fcmern </span></div><div class=\"ps2037 ss6\"><span class=\"f charStyle-e585436c ps4904\">des </span></div><div class=\"ps4735 ss6\"><span class=\"f charStyle-e585436c ps2032\">Mutter-</span></div><div class=\"ps4737 ss6\"><span class=\"f charStyle-e585436c ps4905\">unter-</span></div><div class=\"ps4739 ss6\"><span class=\"f charStyle-e585436c ps4906\">nehmens </span></div><div class=\"ps4741 ss6\"><span class=\"f charStyle-e585436c ps4907\">zurechen</span></div><div class=\"ps4844 ss6\"><span class=\"f charStyle-e585436c ps4908\">-bar</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4913 ss337\"><div><div class=\"ps4737 ss6\"><span class=\"f charStyle-37455c2a ps4910\">Nicht <span class=\"f ps37\"> </span></span></div><div class=\"ps4739 ss6\"><span class=\"f charStyle-37455c2a ps4878\">beherr-</span></div><div class=\"ps4741 ss6\"><span class=\"f charStyle-37455c2a ps4911\">schende </span></div><div class=\"ps4844 ss6\"><span class=\"f charStyle-37455c2a ps4912\">Anteile</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4920 ss337\"><div><div class=\"ps2033 ss6\"><span class=\"f charStyle-37455c2a ps4914\">Eigen-<span class=\"f ps37\"> </span></span></div><div class=\"ps2035 ss6\"><span class=\"f charStyle-37455c2a ps4915\">kapital </span></div><div class=\"ps2037 ss6\"><span class=\"f charStyle-37455c2a ps4916\">inkl. </span></div><div class=\"ps4735 ss6\"><span class=\"f charStyle-37455c2a ps4917\">nicht </span></div><div class=\"ps4737 ss6\"><span class=\"f charStyle-37455c2a ps4878\">beherr-</span></div><div class=\"ps4739 ss6\"><span class=\"f charStyle-37455c2a ps4918\">schen-</span></div><div class=\"ps4741 ss6\"><span class=\"f charStyle-37455c2a ps4919\">der </span></div><div class=\"ps4844 ss6\"><span class=\"f charStyle-37455c2a ps4912\">Anteile</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4921 ss338\"><div><div class=\"ps291 ss335\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtergebnis 2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4923 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-0b080fec ps4922\">760,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4925 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-0b080fec ps4924\">-43,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4927 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-0b080fec ps4926\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4929 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-0b080fec ps4928\">16,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4930 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-0b080fec ps4926\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4931 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-0b080fec ps4633\">-1,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4932 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-0b080fec ps4633\">-8,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4933 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-0b080fec ps4926\">9,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4934 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-0b080fec ps4922\">732,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4936 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-0b080fec ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4937 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-0b080fec ps4922\">732,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4938 ss340\"><div><div class=\"ps624 ss335\"><span class=\"f charStyle-37455c2a ps36\">Konzernjahres\u00fcberschuss<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss335\"><span class=\"f charStyle-37455c2a ps36\">/-fehlbetrag</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4940 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4939\">760,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4941 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4942 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4943 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4944 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4945 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4946 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4947 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4948 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4939\">760,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4949 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4950 ss212\"><div><div class=\"ps281 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4939\">760,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss341\"><div><div class=\"ps291 ss335\"><span class=\"f charStyle-7ff22fcd ps36\">Direkt im Eigenkapital <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss335\"><span class=\"f charStyle-7ff22fcd ps36\">erfasste Ertr\u00e4ge und </span></div><div class=\"ps2567 ss335\"><span class=\"f charStyle-7ff22fcd ps36\">Aufwendungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4951 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-0b080fec ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4952 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-0b080fec ps4924\">-43,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4953 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-0b080fec ps4926\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4954 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-0b080fec ps4928\">16,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4955 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-0b080fec ps4926\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4956 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-0b080fec ps4633\">-1,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4957 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-0b080fec ps4633\">-8,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4958 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-0b080fec ps4926\">9,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4959 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-0b080fec ps4924\">-27,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4960 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-0b080fec ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4961 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-0b080fec ps4924\">-27,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4962 ss341\"><div><div class=\"ps291 ss335\"><span class=\"f charStyle-37455c2a ps621\">Ver\u00e4nderung der <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss335\"><span class=\"f charStyle-37455c2a ps621\">Cashflow-Hedge-</span></div><div class=\"ps2567 ss335\"><span class=\"f charStyle-37455c2a ps621\">R\u00fccklage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4963 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4965 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4964\">-57,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4966 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4967 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4968 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4969 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4970 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4971 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4972 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4964\">-57,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4973 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4974 ss342\"><div><div class=\"ps2567 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4964\">-57,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3910 ss343\"><div><div class=\"ps40 ss335\"><span class=\"f charStyle-37455c2a ps621\">Ver\u00e4nderung der im <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss335\"><span class=\"f charStyle-37455c2a ps621\">sonstigen Ergebnis </span></div><div class=\"ps2027 ss335\"><span class=\"f charStyle-37455c2a ps621\">zum beizulegenden </span></div><div class=\"ps2029 ss335\"><span class=\"f charStyle-37455c2a ps621\">Zeitwert </span></div><div class=\"ps2031 ss335\"><span class=\"f charStyle-37455c2a ps621\">ausgewiesenen </span></div><div class=\"ps2033 ss335\"><span class=\"f charStyle-37455c2a ps621\">Schuldinstrumente</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4975 ss344\"><div><div class=\"ps2033 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4976 ss344\"><div><div class=\"ps2033 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4977 ss344\"><div><div class=\"ps2033 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4979 ss344\"><div><div class=\"ps2033 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4978\">11,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4980 ss344\"><div><div class=\"ps2033 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4981 ss344\"><div><div class=\"ps2033 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4982 ss344\"><div><div class=\"ps2033 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4983 ss344\"><div><div class=\"ps2033 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4984 ss344\"><div><div class=\"ps2033 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4978\">11,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4985 ss344\"><div><div class=\"ps2033 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4986 ss344\"><div><div class=\"ps2033 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4978\">11,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:84.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2374 ss345\"><div><div class=\"ps40 ss335\"><span class=\"f charStyle-37455c2a ps621\">Anteil der direkt im <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss335\"><span class=\"f charStyle-37455c2a ps621\">Eigenkapital erfassten </span></div><div class=\"ps2027 ss335\"><span class=\"f charStyle-37455c2a ps621\">Ertr\u00e4ge und </span></div><div class=\"ps2029 ss335\"><span class=\"f charStyle-37455c2a ps621\">Aufwendungen von </span></div><div class=\"ps2031 ss335\"><span class=\"f charStyle-37455c2a ps621\">assoziierten </span></div><div class=\"ps2033 ss335\"><span class=\"f charStyle-37455c2a ps621\">Unternehmen, die </span></div><div class=\"ps2035 ss335\"><span class=\"f charStyle-37455c2a ps621\">nach der Equity-</span></div><div class=\"ps2037 ss335\"><span class=\"f charStyle-37455c2a ps621\">Methode bilanziert </span></div><div class=\"ps4735 ss335\"><span class=\"f charStyle-37455c2a ps621\">werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4987 ss346\"><div><div class=\"ps4735 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4988 ss346\"><div><div class=\"ps4735 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4989 ss346\"><div><div class=\"ps4735 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4990 ss346\"><div><div class=\"ps4735 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4991 ss346\"><div><div class=\"ps4735 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4992 ss346\"><div><div class=\"ps4735 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4993 ss346\"><div><div class=\"ps4735 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4994 ss346\"><div><div class=\"ps4735 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4995 ss346\"><div><div class=\"ps4735 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4996 ss346\"><div><div class=\"ps4735 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4997 ss346\"><div><div class=\"ps4735 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4998 ss347\"><div><div class=\"ps40 ss335\"><span class=\"f charStyle-37455c2a ps621\">Versicherungsmathe-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss335\"><span class=\"f charStyle-37455c2a ps621\">matische Gewinne/</span></div><div class=\"ps2027 ss335\"><span class=\"f charStyle-37455c2a ps621\">Verluste aus <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss335\"><span class=\"f charStyle-37455c2a ps621\">leistungsorientierten </span></div><div class=\"ps2031 ss335\"><span class=\"f charStyle-37455c2a ps621\">Pl\u00e4nen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4999 ss348\"><div><div class=\"ps2031 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5000 ss348\"><div><div class=\"ps2031 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5001 ss348\"><div><div class=\"ps2031 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5002 ss348\"><div><div class=\"ps2031 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5003 ss348\"><div><div class=\"ps2031 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5004 ss348\"><div><div class=\"ps2031 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5005 ss348\"><div><div class=\"ps2031 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5006 ss348\"><div><div class=\"ps2031 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5007 ss348\"><div><div class=\"ps2031 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5008 ss348\"><div><div class=\"ps2031 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5009 ss348\"><div><div class=\"ps2031 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:66.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5010 ss349\"><div><div class=\"ps40 ss335\"><span class=\"f charStyle-82645f24 ps621\">Im sonstigen Ergebnis <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss335\"><span class=\"f charStyle-82645f24 ps621\">ausgewiesene </span></div><div class=\"ps2027 ss335\"><span class=\"f charStyle-82645f24 ps621\">Wert\u00e4nderungen von </span></div><div class=\"ps2029 ss335\"><span class=\"f charStyle-82645f24 ps621\">zum beizulegenden </span></div><div class=\"ps2031 ss335\"><span class=\"f charStyle-82645f24 ps621\">Zeitwert bewerteten </span></div><div class=\"ps2033 ss335\"><span class=\"f charStyle-82645f24 ps621\">Aktien und anderen </span></div><div class=\"ps2035 ss335\"><span class=\"f charStyle-82645f24 ps621\">Eigenkapitalinstrumenten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5011 ss350\"><div><div class=\"ps2035 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5012 ss350\"><div><div class=\"ps2035 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5013 ss350\"><div><div class=\"ps2035 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5014 ss350\"><div><div class=\"ps2035 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5016 ss350\"><div><div class=\"ps2035 ss6\"><span class=\"f charStyle-cc1eb9a4 ps5015\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5017 ss350\"><div><div class=\"ps2035 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5018 ss350\"><div><div class=\"ps2035 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5019 ss350\"><div><div class=\"ps2035 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5020 ss350\"><div><div class=\"ps2035 ss6\"><span class=\"f charStyle-cc1eb9a4 ps5015\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5021 ss350\"><div><div class=\"ps2035 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5022 ss350\"><div><div class=\"ps2035 ss6\"><span class=\"f charStyle-cc1eb9a4 ps5015\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5023 ss351\"><div><div class=\"ps40 ss335\"><span class=\"f charStyle-37455c2a ps621\">\u00c4nderung des Credit <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss335\"><span class=\"f charStyle-37455c2a ps621\">Spreads von </span></div><div class=\"ps2027 ss335\"><span class=\"f charStyle-37455c2a ps621\">finanziellen </span></div><div class=\"ps2029 ss335\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5024 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5025 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5026 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5027 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5028 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5029 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4631\">-1,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5030 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5031 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5032 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4631\">-1,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5033 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5034 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4631\">-1,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5035 ss351\"><div><div class=\"ps40 ss335\"><span class=\"f charStyle-37455c2a ps621\">Absicherung einer <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss335\"><span class=\"f charStyle-37455c2a ps621\">Nettoinvestition in </span></div><div class=\"ps2027 ss335\"><span class=\"f charStyle-37455c2a ps621\">ausl\u00e4ndische </span></div><div class=\"ps2029 ss335\"><span class=\"f charStyle-37455c2a ps621\">Gesch\u00e4ftsbetriebe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5036 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5037 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5038 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5039 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5040 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5041 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5042 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4631\">-8,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5043 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5044 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4631\">-8,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5045 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5046 ss352\"><div><div class=\"ps2029 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4631\">-8,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5047 ss338\"><div><div class=\"ps291 ss335\"><span class=\"f charStyle-37455c2a ps621\">W\u00e4hrungsumrechnung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5048 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5049 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5050 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5051 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5052 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5053 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5054 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5055 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps5015\">9,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5056 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps5015\">9,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5057 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5058 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps5015\">9,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5059 ss338\"><div><div class=\"ps291 ss335\"><span class=\"f charStyle-37455c2a ps621\">Ertragssteuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5060 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5061 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4978\">13,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5062 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps5015\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5063 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps5015\">4,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5064 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4631\">-0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5065 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps5015\">0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5066 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5067 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5068 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4978\">17,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5069 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4935\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5070 ss339\"><div><div class=\"ps291 ss6\"><span class=\"f charStyle-cc1eb9a4 ps4978\">17,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:366.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Im Sonstigen Ergebnis erfasste latente Steuern vom Einkommen</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss40\"><div><div class=\"ps1091 ss38\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps5072\">Vor <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5073\">Steuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps5074\">Steuern vom <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5075\">Einkommen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps5076\">Nach <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5073\">Steuern<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss40\"><div><div class=\"ps277 ss38\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss288\"><div><div class=\"ps281 ss287\"><span class=\"f charStyle-584de24a ps5077\">01.01.\u201331.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Cashflow-Hedge-R\u00fccklage<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">71,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-16,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">54,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss40\"><div><div class=\"ps624 ss38\"><span class=\"f charStyle-37455c2a ps36\">Versicherungsmathematische Gewinne/<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss38\"><span class=\"f charStyle-37455c2a ps36\">Verluste aus leistungsorientierten Pl\u00e4nen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4019 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">8,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2760 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2761 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">6,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Im sonstigen Ergebnis zum beizulegenden Zeitwert ausgewiesene Schuldinstrumente nach Steuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5078 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-9,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2251 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2252 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-7,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss40\"><div><div class=\"ps624 ss38\"><span class=\"f charStyle-37455c2a ps36\">Im sonstigen Ergebnis zum beizulegenden Zeitwert ausgewiesene Eigenkapitalinstrumente nach Steuern <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss38\"><span class=\"f charStyle-37455c2a ps36\">aus At-equity-Gesellschaften</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5079 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">4,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2254 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2255 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1839 ss40\"><div><div class=\"ps624 ss38\"><span class=\"f charStyle-37455c2a ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete Eigenkapitalinstrumente <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss38\"><span class=\"f charStyle-37455c2a ps36\">nach Steuern</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4224 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2766 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2767 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2689 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderung des Credit Spreads von finanziellen Verbindlichkeiten nach Steuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2262 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Absicherung einer Nettoinvestition in ausl\u00e4ndische Gesch\u00e4ftsbetriebe nach Steuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2697 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">22,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">22,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2265 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsumrechnung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-25,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2266 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2267 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-25,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2096 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-7ff22fcd ps36\">Direkt im Eigenkapital erfasste Ertr\u00e4ge und Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps515\">73,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2102 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps1248\">-17,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps515\">55,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #990000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #990000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #990000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps5105 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:369.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:4.5pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss354\"><div><div class=\"ps281 ss353\"><span class=\"f charStyle-c5fdbd46 ps5082\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps5083 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps5072\">Vor <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5073\">Steuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps5084 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps5074\">Steuern vom <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5075\">Einkommen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps5076\">Nach <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5073\">Steuern<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss354\"><div><div class=\"ps277 ss353\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5086 ss356\"><div><div class=\"ps281 ss355\"><span class=\"f charStyle-37455c2a ps5085\">01.01.\u201331.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss357\"><div><div class=\"ps291 ss353\"><span class=\"f charStyle-37455c2a ps36\">Cashflow-Hedge-R\u00fccklage<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5087 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-57,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5088 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">13,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-43,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss354\"><div><div class=\"ps624 ss353\"><span class=\"f charStyle-37455c2a ps36\">Versicherungsmathematische Gewinne/<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss353\"><span class=\"f charStyle-37455c2a ps36\">Verluste aus leistungsorientierten Pl\u00e4nen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5089 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5090 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss357\"><div><div class=\"ps291 ss353\"><span class=\"f charStyle-37455c2a ps36\">Im sonstigen Ergebnis zum beizulegenden Zeitwert ausgewiesene Schuldinstrumente nach Steuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5091 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">11,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5092 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">4,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2252 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">16,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2253 ss354\"><div><div class=\"ps624 ss353\"><span class=\"f charStyle-37455c2a ps36\">Im sonstigen Ergebnis zum beizulegenden Zeitwert ausgewiesene Eigenkapitalinstrumente nach Steuern <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss353\"><span class=\"f charStyle-37455c2a ps36\">aus At-equity-Gesellschaften</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5093 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5094 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2255 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1839 ss354\"><div><div class=\"ps624 ss353\"><span class=\"f charStyle-37455c2a ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete Eigenkapitalinstrumente nach <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss353\"><span class=\"f charStyle-37455c2a ps36\">Steuern</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5095 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5096 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2767 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2689 ss357\"><div><div class=\"ps291 ss353\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderung des Credit Spreads von finanziellen Verbindlichkeiten nach Steuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5098 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2262 ss357\"><div><div class=\"ps291 ss353\"><span class=\"f charStyle-37455c2a ps36\">Absicherung einer Nettoinvestition in ausl\u00e4ndische Gesch\u00e4ftsbetriebe nach Steuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-8,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-8,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2265 ss357\"><div><div class=\"ps291 ss353\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsumrechnung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">9,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5102 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2267 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">9,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2096 ss357\"><div><div class=\"ps291 ss353\"><span class=\"f charStyle-7ff22fcd ps36\">Direkt im Eigenkapital erfasste Ertr\u00e4ge und Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-44,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5104 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">17,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-27,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfShareCapitalReservesAndOtherEquityInterestExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-750": {
   "value": "<div class=\"ps4579 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Grundkapital</span></div><div class=\"ps4580 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das zur G\u00e4nze einbezahlte Grundkapital betr\u00e4gt 77,0\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4581 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">(2024: 78,6\u00a0Mio.\u00a0\u20ac), eingeteilt in 77.000.000 St\u00fcckaktien (2024:</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4582 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">78.600.000 St\u00fcckaktien). Der R\u00fcckgang ist auf die Einziehung</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4583 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">von 1,6 Millionen Aktien nach Abschluss eines</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4585 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:183.59pt\">Aktienr\u00fcckkaufprogramms zur\u00fcckzuf\u00fchren. </span><span class=\"f charStyle-34546584 ps4584\" style=\"width:78.44pt\">Die BAWAG Group</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4586 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">AG h\u00e4lt 23.045 St\u00fcck eigene Aktien (2024: 75.954 St\u00fcck eigene</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4587 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Aktien), sodass das Grundkapital f\u00fcr Bilanzierungszwecke</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4588 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">netto 77,0\u00a0Mio.\u00a0\u20ac betr\u00e4gt (2024: 78,5\u00a0Mio.\u00a0\u20ac). Die Anzahl der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4589 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">St\u00fcckaktien zum 31. Dezember 2025 exklusive der eigenen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps4591 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:239.09pt\">Aktien betr\u00e4gt 76.976.955 St\u00fcck (2024: 78.524.046 St\u00fcck)</span><span class=\"f charStyle-34546584 ps4590\" style=\"width:2.62pt\">.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfIssuedCapitalExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-751": {
   "value": "<span class=\"f charStyle-34546584 ps4584\" style=\"width:78.44pt\">Die BAWAG Group</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span><div class=\"ps4586 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">AG h\u00e4lt 23.045 St\u00fcck eigene Aktien (2024: 75.954 St\u00fcck eigene</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4587 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Aktien), sodass das Grundkapital f\u00fcr Bilanzierungszwecke</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps4588 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">netto 77,0\u00a0Mio.\u00a0\u20ac betr\u00e4gt (2024: 78,5\u00a0Mio.\u00a0\u20ac). Die Anzahl der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4589 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">St\u00fcckaktien zum 31. Dezember 2025 exklusive der eigenen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps4591 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:239.09pt\">Aktien betr\u00e4gt 76.976.955 St\u00fcck (2024: 78.524.046 St\u00fcck)</span><span class=\"f charStyle-34546584 ps4590\" style=\"width:2.62pt\">.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfTreasurySharesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-752": {
   "value": "<div class=\"ps1237 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Kapital- und Gewinnr\u00fccklagen</span></div><div class=\"ps1295 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Die Kapitalr\u00fccklagen enthalten Einlagen der Gesellschafter, die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1296 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">kein Stammkapital darstellen. In den Gewinnr\u00fccklagen und</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1297 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">sonstigen R\u00fccklagen werden thesaurierte Gewinne sowie im</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1298 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">sonstigen Ergebnis erfasste Ertr\u00e4ge und Aufwendungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps185\" style=\"width:55.87pt\">ausgewiesen.</span><div class=\"ps58 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Haftr\u00fccklage</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Kreditinstitute haben gem\u00e4\u00df \u00a7\u00a057 Abs. 5 BWG eine</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Haftr\u00fccklage zu bilden. Eine Aufl\u00f6sung der Haftr\u00fccklage darf</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">nur insoweit erfolgen, als dies zur Erf\u00fcllung von</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Verpflichtungen gem\u00e4\u00df \u00a7\u00a093 BWG oder zur Deckung sonst im</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.3pt\">Konzernabschluss auszuweisender Verluste erforderlich ist.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfReservesAndOtherEquityInterestExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-753": {
   "value": "<div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Dividenden</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Die BAWAG Group hat vorbehaltlich der entsprechenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zustimmungen durch die Aktion\u00e4re Dividenden in H\u00f6he von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:18.07pt\">6,25</span><span class=\"f charStyle-34546584 ps4601\" style=\"width:90.84pt\">\u00a0\u20ac pro Aktie (bis zu </span><span class=\"f charStyle-34546584 ps4602\" style=\"width:15.48pt\">481</span><span class=\"f charStyle-34546584 ps4603\" style=\"width:137.56pt\">\u00a0Mio.\u00a0\u20ac basierend auf den zum</span><span class=\"f charStyle-34546584 ps2431\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zeitpunkt der Aussch\u00fcttung maximal im Umlauf befindlichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Aktien) f\u00fcr 2025 zur Aussch\u00fcttung vorgesehen, die der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">ordentlichen Hauptversammlung am 22. April 2026</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:96.25pt\">vorgeschlagen werden.</span><span class=\"f charStyle-34546584 ps4604\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Im Jahr 2025 wurden Dividenden in H\u00f6he von 432\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:3.13pt\">(</span><span class=\"f charStyle-34546584 ps4605\" style=\"width:18.07pt\">5,50</span><span class=\"f charStyle-34546584 ps4606\" style=\"width:114.61pt\">\u00a0\u20ac pro Aktie) ausgesch\u00fcttet.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfDividendsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-754": {
   "value": "6.25",
   "decimals": 2,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwnersPerShare",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR/xbrli:shares"
   }
  },
  "f-755": {
   "value": "481000000.0",
   "decimals": 0,
   "dimensions": {
    "concept": "ifrs-full:DividendsProposedOrDeclaredBeforeFinancialStatementsAuthorisedForIssueButNotRecognisedAsDistributionToOwners",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR"
   }
  },
  "f-756": {
   "value": "5.5",
   "decimals": 2,
   "dimensions": {
    "concept": "ifrs-full:DividendsRecognisedAsDistributionsToOwnersPerShare",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00",
    "unit": "iso4217:EUR/xbrli:shares"
   }
  },
  "f-757": {
   "value": "<div class=\"ps56 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Nicht beherrschende Anteile</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Per 31.12.2025 belaufen sich die nicht beherrschenden Anteile</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:155.75pt\">auf EUR 8,5\u00a0Mio.\u00a0\u20ac (2024: 0,0\u00a0Mio.\u00a0\u20ac).</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfNoncontrollingInterestsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-758": {
   "value": "<div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-6423092b ps2\">SEGMENTBERICHTERSTATTUNG</span></div><div class=\"ps330 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Grundlage f\u00fcr die Segmentierung ist die am 31. Dezember</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps331 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:123.67pt\">2025 g\u00fcltige Konzernstruktur.</span><span class=\"f charStyle-34546584 ps5108\" style=\"width:2.36pt\"> </span></div><div class=\"ps333 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">In der Segmentberichterstattung spiegeln sich die Resultate</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps334 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der in die BAWAG Group eingebundenen operativen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps34 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gesch\u00e4ftssegmente wider. Als Grundlage f\u00fcr die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps335 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">nachfolgenden Segmentinformationen dient IFRS 8 \u201eOperating</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps48 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Segments\u201c, der dem \u201eManagement-Ansatz\u201c folgt. Die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps336 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Segmentinformationen werden auf Basis des internen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps337 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Berichtswesens bestimmt, das dem Vorstand dazu dient, die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps338 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Leistung der Segmente zu beurteilen und Entscheidungen \u00fcber</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps339 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:245.38pt\">die Allokation von Ressourcen auf die Segmente zu treffen.</span></div><div class=\"ps341 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Aufspaltung des Zins\u00fcberschusses und dessen Allokation</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps342 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">auf die Segmente in der Managementberichterstattung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps343 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">beruhen auf den Grunds\u00e4tzen der Marktzinsmethode unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps344 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zus\u00e4tzlicher Ber\u00fccksichtigung verrechneter Liquidit\u00e4tskosten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps345 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">und -pr\u00e4mien. Dieser Methodik folgend wird unterstellt, dass</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps346 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Aktiv- und Passivpositionen \u00fcber entsprechend</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">fristenkongruente Gesch\u00e4fte am Geld- und Kapitalmarkt</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps347 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">refinanziert und demgem\u00e4\u00df zinsrisikolos gestellt werden. Die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps348 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">aktive Steuerung des Zinsrisikos erfolgt im Aktiv-/Passiv-</span></div><div class=\"ps349 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Management und wird erfolgsm\u00e4\u00dfig im Corporate Center</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps350 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">dargestellt. Die restlichen Erl\u00f6skomponenten und die direkt</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps351 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zurechenbaren Kosten werden verursachungsgerecht den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">jeweiligen Unternehmensbereichen zugerechnet. Die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Overheadkosten werden mittels Verteilungsschl\u00fcssel auf die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps16 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">einzelnen Segmente verteilt. Regulatorische Aufwendungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps354 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">werden ebenso auf Basis verschiedener Inputparameter auf</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps17 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:91.71pt\">die Segmente verteilt.</span></div><div class=\"ps18 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die BAWAG Group wird im Rahmen der folgenden vier</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps356 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:184.11pt\">Gesch\u00e4fts- und Berichtssegmente gesteuert:</span></div><div class=\"ps5110 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-1688cd52 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-81af04f8 ps956\" style=\"width:58.09pt\">Retail &amp; SME</span><span class=\"f charStyle-34546584 ps5109\" style=\"width:189.79pt\"> \u2013 hierunter fallen Spar-, Zahlungsverkehrs-,</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps5111 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Karten- und Finanzierungsprodukte, Anlage- und</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps5112 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Versicherungsprodukte f\u00fcr unsere Privatkunden, KMU-</span></div><div class=\"ps5113 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">Finanzierungen, das Factoring- &amp; Leasinggesch\u00e4ft sowie</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5114 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">unsere Aktivit\u00e4ten im Bereich des sozialen Wohnbaus,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5115 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">Wohnbaubankanleihen und eigene Emissionen, die mit</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5116 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Retailkrediten besichert sind. Das Segment betreut Privat-</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps5117 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">und KMU-Kunden im In- und Ausland \u00fcber ein zentral</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps5118 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">gesteuertes Filialnetz, das hochwertige Beratung und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5119 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">pers\u00f6nliche Kundenbetreuung sicherstellt. Das Filialnetz</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5120 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">wird durch Online-, Mobile- und Partner-Kan\u00e4le (Broker,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5121 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Dealer) erg\u00e4nzt. Die ausgebauten Kan\u00e4le f\u00f6rdern</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5122 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Neugesch\u00e4ft und bieten unseren Kunden gleichzeitig rund</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5123 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">um die Uhr Zugang zu unseren Dienstleistungen. Unsere</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5124 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Online-Produktpalette bietet unter anderem Sparen,</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5125 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Zahlungsverkehr, Wertpapiergesch\u00e4ft, Karten- und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps5126 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Kreditgesch\u00e4ft f\u00fcr Privatkunden und KMUs, w\u00e4hrend unser</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5127 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Plattformgesch\u00e4ft KFZ-, Mobilien- und Immobilienleasing</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">sowie Konsum- und Hypothekarkredite anbietet. Weiters</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">f\u00e4llt darunter das Kredit- und Plattformgesch\u00e4ft mit</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">internationalen privaten Kreditnehmern in Westeuropa</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">und den USA. Wir verfolgen unsere grenz\u00fcberschreitenden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Aktivit\u00e4ten mit einem Multikanal- und Mehrmarkenansatz</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">und stets auf der Basis einer konservativen und sicheren</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Kreditvergabepolitik, was durch unser Plattformgesch\u00e4ft in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">der DACH/NL-Region, das prim\u00e4r auf die Vergabe</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">besicherter Hypothekarkredite ausgerichtet ist, best\u00e4tigt</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:21.18pt\">wird.</span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-1688cd52 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-81af04f8 ps369\" style=\"width:168.19pt\">Corporates, Real Estate &amp; Public Sector</span><span class=\"f charStyle-34546584 ps5128\" style=\"width:79.64pt\"> \u2013 beinhaltet unser</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Kreditgesch\u00e4ft mit internationalen Kommerzkunden sowie</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">das internationale Immobilienfinanzierungsgesch\u00e4ft, vor</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">allem in den USA. Weiters umfasst das Segment die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Unternehmensfinanzierung und sonstige Provisions-</span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">dienstleistungen mit Kommerzkunden und der \u00f6ffentlichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Hand vorwiegend in \u00d6sterreich und Deutschland, mit einer</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Ausweitung nach Westeuropa. Eigenemissionen, die mit</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Kommerzkrediten oder Krediten der \u00f6ffentlichen Hand</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">besichert sind, bzw. direkte Refinanzierungen sind diesem</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:121.49pt\">Segment ebenso zugeordnet.</span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-1688cd52 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-81af04f8 ps369\" style=\"width:36.88pt\">Treasury</span><span class=\"f charStyle-34546584 ps5129\" style=\"width:211.01pt\"> \u2013 umfasst unsere Aktivit\u00e4ten im Zusammenhang</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">mit der Bereitstellung von Handels- und Investitionsdienst-</span></div><div class=\"ps1558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">leistungen und ALM-Transaktionen (inklusive besicherter</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">und unbesicherter Refinanzierung) und die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Anlageergebnisse des Wertpapierportfolios der BAWAG</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:28.67pt\">Group.</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-1688cd52 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-81af04f8 ps369\" style=\"width:77.58pt\">Corporate Center</span><span class=\"f charStyle-34546584 ps5130\" style=\"width:170.25pt\"> \u2013 stellt zentrale Funktionen f\u00fcr die</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">gesamte Gruppe sicher wie Rechtsberatung,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Risikomanagement und Aktiv-Passiv-Management sowie</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">alle nicht anderswo zugeh\u00f6rigen Posten im Zusammenhang</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">mit diesen Konzern-Supportfunktionen, Bilanzposten wie</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">z.B. Marktwerte der Derivate, das Eigenkapital der Bank,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Immobilien und Sachanlagen, nicht zinstragende Aktiva</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">und Passiva sowie bestimmte Aktivit\u00e4ten und Ergebnisse</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">von Tochterunternehmen, Beteiligungen und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:100.02pt\">\u00dcberleitungspositionen.</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Unsere Segmente sind auf unsere Gesch\u00e4ftsstrategie hin</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ausgerichtet und orientieren sich am Ziel, die Ergebnisse</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">unserer Gesch\u00e4ftseinheiten und der gesamten Bank</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">transparent auszuweisen. Dazu geh\u00f6rt auch die Minimierung</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">finanzieller Auswirkungen und Aktivit\u00e4ten im Corporate</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:30.56pt\">Center.</span></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss136\"><div><div class=\"ps276 ss17\"><span class=\"f charStyle-b07a4b4f ps36\">Darstellung der Segmente:</span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss358\"><div><div class=\"ps3190 ss17\"><span class=\"f charStyle-dcb49308 ps36\">2025<span class=\"f ps37\"> </span></span></div><div class=\"ps3191 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss147\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps2567 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss147\"><div><div class=\"ps2566 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-37455c2a ps5131\">Total<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps1334 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Nettozinsertrag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5132 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">1.533,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">260,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">31,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">11,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-right:1pt solid #ffffff;border-top:1pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">1.836,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Provisions\u00fcberschuss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5137 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">342,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">28,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">370,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5142 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Operative Kernertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5143 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.876,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5144 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">289,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5145 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">31,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5146 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">11,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5147 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">2.207,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5148 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-c5fdbd46 ps36\">Sonstige Ertr\u00e4ge</span><span class=\"f charStyle-88cee56f ps443\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5149 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">4,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5151 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">10,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5152 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-8,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5153 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">8,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps866 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Operative Ertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5154 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.880,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5155 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">291,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5156 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">41,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5157 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5158 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">2.215,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2349 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Operative Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4430 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-673,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4431 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-69,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4432 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-17,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2351 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-38,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2352 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-798,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3732 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Ergebnis vor Risikokosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4434 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.206,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4435 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">222,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4436 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">24,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4437 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-35,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4438 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.416,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3849 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Regulatorische Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5159 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-19,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5160 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-9,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5161 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-9,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5162 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-right:1pt solid #ffffff;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5163 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-38,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5164 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Operatives Ergebnis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5165 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.186,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5166 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps441\">212,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5167 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps515\">15,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5168 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-36,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5169 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.378,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2974 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Risikokosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5170 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-214,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5171 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-14,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5172 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5173 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-right:1pt solid #ffffff;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5174 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-227,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2359 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ergebnis von at-equity Beteiligungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5175 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5176 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5177 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2361 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">6,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2362 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">6,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5178 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Jahres\u00fcberschuss vor Steuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5179 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">972,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5180 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">198,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5181 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">15,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5182 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-28,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5183 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.157,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5184 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Steuern vom Einkommen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5185 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-243,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5186 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-49,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5187 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-3,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5188 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5189 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-295,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2112 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Jahres\u00fcberschuss nach Steuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2115 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">729,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2116 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">149,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2117 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">11,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2118 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-27,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2119 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">861,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps761 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Nicht beherrschende Anteile<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2122 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps763 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3745 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Nettogewinn<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5190 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">729,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5191 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">149,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5192 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">11,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5193 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-29,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5194 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">859,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5195 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4ftsvolumina<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5196 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5199 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.942<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5200 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.376<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-right:1pt solid #ffffff;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5201 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">72.297<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2368 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten &amp; Gesamtkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5202 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">56.182<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5203 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.406<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5204 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.097<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-right:1pt solid #ffffff;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">72.297<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2371 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Risikogewichtete Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5205 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">14.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5206 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.862<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5207 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">799<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2372 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.120<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2373 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">22.594<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"11\" style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2374 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">1 Die \u201eSonstigen Ertr\u00e4ge\u201c beinhalten Gewinne und Verluste aus Finanzinstrumenten inkl. sonstiger betrieblicher Ertr\u00e4ge und Aufwendungen.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5208 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss136\"><div><div class=\"ps276 ss17\"><span class=\"f charStyle-b07a4b4f ps36\">Darstellung der Segmente:</span></div></div></div></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss358\"><div><div class=\"ps3190 ss17\"><span class=\"f charStyle-dcb49308 ps36\">2024<span class=\"f ps37\"> </span></span></div><div class=\"ps3191 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss147\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps2567 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss147\"><div><div class=\"ps2566 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps2567 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-37455c2a ps5131\">Total<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps1334 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Nettozinsertrag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5132 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">963,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">276,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">56,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">15,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">1.311,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Provisions\u00fcberschuss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5137 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">279,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">32,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">309,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5142 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Operative Kernertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5143 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.243,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5144 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">309,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5145 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">55,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5146 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">13,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5147 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.621,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5148 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-c5fdbd46 ps36\">Sonstige Ertr\u00e4ge</span><span class=\"f charStyle-88cee56f ps443\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5149 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5151 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">10,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5152 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-8,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5153 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">6,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps866 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Operative Ertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5154 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.245,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5155 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">310,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5156 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">66,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5157 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">4,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5158 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.627,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2349 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Operative Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4430 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-423,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4431 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-78,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4432 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-23,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2351 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-19,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2352 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps455\">-545,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3732 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Ergebnis vor Risikokosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4434 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">822,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4435 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">232,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4436 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">42,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4437 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-14,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4438 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.082,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3849 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Regulatorische Aufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5159 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-7,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5160 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-3,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5161 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-3,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5162 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5163 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-15,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5164 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Operatives Ergebnis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5165 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps441\">814,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5166 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps441\">228,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5167 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps515\">39,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5168 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-14,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5169 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.067,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2974 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Risikokosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5170 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-101,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5171 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">20,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5172 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5173 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5174 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-81,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2359 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ergebnis von at-equity Beteiligungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5175 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5176 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5177 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2361 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">4,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2362 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">4,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5178 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Jahres\u00fcberschuss vor Steuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5179 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">712,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5180 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">248,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5181 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">40,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5182 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1248\">-11,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5183 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">989,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5184 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Steuern vom Einkommen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5185 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-178,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5186 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-62,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5187 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps467\">-10,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5188 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">20,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5189 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-229,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2112 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Jahres\u00fcberschuss nach Steuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2115 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">534,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2116 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">186,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2117 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">30,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2118 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">8,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2119 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">760,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps761 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Nicht beherrschende Anteile<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2122 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps762 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps763 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3745 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Nettogewinn<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5190 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">534,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5191 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">186,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5192 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">30,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5193 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">8,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5194 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">760,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5195 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Gesch\u00e4ftsvolumina<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5196 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5199 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">21.882<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5200 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5201 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">71.341<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2368 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten &amp; Gesamtkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5202 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">52.448<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5203 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">8.669<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5204 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.239<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.985<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">71.341<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2371 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Risikogewichtete Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5205 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">12.424<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5206 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.935<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5207 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.063<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2372 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.205<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2373 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">20.627<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"11\" style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2374 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">1 Die \u201eSonstigen Ertr\u00e4ge\u201c beinhalten Gewinne und Verluste aus Finanzinstrumenten inkl. sonstiger betrieblicher Ertr\u00e4ge und Aufwendungen.</span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Da die interne und externe Berichterstattung der BAWAG</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Group vollst\u00e4ndig harmonisiert ist, gibt es keine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">unterschiedlichen Bewertungen der Gewinne oder Verluste</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">der berichtspflichtigen Segmente. Aus diesem Grund wird in</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der Segmenttabelle keine separate Spalte mit einer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:141.89pt\">\u00dcberleitungsrechnung dargestellt.</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Im Jahr 2025 wurde die Methode zur Berechnung der</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Verrechnungspreise (funds transfer pricing methodology (FTP))</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">geringf\u00fcgig aktualisiert, wobei geeignetere Parameter</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">verwendet wurden, um die Segmentierung nach Abschluss der</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beiden gro\u00dfen M&amp;A-Transaktionen im Oktober 2024 und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Februar 2025 besser widerzuspiegeln. Zur besseren</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Vergleichbarkeit wurde die FTP-Methode auch r\u00fcckwirkend f\u00fcr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">das Jahr 2024 ge\u00e4ndert, was zu einem Anstieg des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Nettozinsertrags in den Segmenten Retail &amp; SME (29,8 Mio. \u20ac)</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">und Corporate, Real Estate &amp; Public Sector (1,1 Mio. \u20ac) f\u00fchrte.</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Demgegen\u00fcber verringerte sich der Nettozinsertrag des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Segments Corporate Center im Jahr 2024 um 30,9 Mio. \u20ac.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Diese Anpassungen hatten keine Auswirkungen auf den</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:145.73pt\">Nettozinsertrag auf Konzernebene.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Geographische Verteilung</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die unten angef\u00fchrten Tabellen stellen die Gesch\u00e4ftssegmente</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">in einer geografischen Verteilung, basierend auf der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">risikom\u00e4\u00dfigen Zuordnung der Einzelkunden zu einem Land,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">dar. Kundengruppen werden nicht aggregiert und einem</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">einzelnen Land zugeordnet (z.B. dem Land der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Muttergesellschaft), sondern auf Einzelgesellschaftsebene den</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:119.49pt\">jeweiligen L\u00e4ndern zugeteilt.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die folgenden Tabellen zeigen die operativen Kernertr\u00e4ge pro</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:97.99pt\">Segment und Geografie</span></div><div class=\"ps5216 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">2025<span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps5131\">Total<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Eurol\u00e4nder<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">1.745,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">168,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">22,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">1.937,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">davon \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">925,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">93,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">1.020,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">davon Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">461,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">25,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">490,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">davon Niederlande<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">354,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">355,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Nicht-Eurol\u00e4nder<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">130,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">121,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">8,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">10,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">269,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-top:1pt solid #000000;padding:0\"><div class=\"ps2671 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:1pt solid #000000;padding:0\"><div class=\"ps2672 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.876,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:1pt solid #000000;padding:0\"><div class=\"ps2673 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps441\">289,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:1pt solid #000000;padding:0\"><div class=\"ps2674 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps515\">31,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:1pt solid #000000;padding:0\"><div class=\"ps2675 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps515\">11,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:1pt solid #000000;padding:0\"><div class=\"ps2676 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps440\">2.207,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5217 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">2024<span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps5131\">Total<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Eurol\u00e4nder<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">1.138,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">191,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">39,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">1.367,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">davon \u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">934,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">111,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">9,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-6,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps436\">1.049,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">davon Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">123,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">22,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">6,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">153,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps621\">davon Niederlande<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">77,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">80,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Nicht-Eurol\u00e4nder<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">104,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">118,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">15,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">15,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps437\">254,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-top:1pt solid #000000;padding:0\"><div class=\"ps2671 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:1pt solid #000000;padding:0\"><div class=\"ps2672 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.243,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:1pt solid #000000;padding:0\"><div class=\"ps2673 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps441\">309,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:1pt solid #000000;padding:0\"><div class=\"ps2674 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps515\">55,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:1pt solid #000000;padding:0\"><div class=\"ps2675 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps515\">13,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:1pt solid #000000;padding:0\"><div class=\"ps2676 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps440\">1.621,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Das Segmentergebnis kann wie folgt auf die Konzern-Gewinn-</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:177.36pt\">und Verlustrechnung \u00fcbergeleitet werden:</span></div><div class=\"ps2901 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-c5fdbd46 ps36\">Sonstige betriebliche Ertr\u00e4ge und </span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-c5fdbd46 ps36\">Aufwendungen gem\u00e4\u00df Segmentbericht</span><span class=\"f charStyle-88cee56f ps5218\"><span class=\"f ps37\"> </span><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps506\">-2,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">30,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-c5fdbd46 ps36\">Bewertungseffekte aus aktienbasierten </span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-c5fdbd46 ps36\">Verg\u00fctungen mit Barausgleich</span><span class=\"f charStyle-88cee56f ps5219\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4303 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps439\">19,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4304 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3586 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-c5fdbd46 ps36\">Regulatorische Aufwendungen</span><span class=\"f charStyle-88cee56f ps5220\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5221 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps467\">-31,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5222 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-9,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2065 ss145\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige betriebliche Ertr\u00e4ge und <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Aufwendungen gem\u00e4\u00df Konzern-Gewinn- </span></div><div class=\"ps2027 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">und Verlustrechnung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5223 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-36b68314 ps1248\">-14,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5224 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-0b080fec ps515\">20,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5239 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-c5fdbd46 ps36\">Operative Aufwendungen gem\u00e4\u00df </span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-c5fdbd46 ps36\">Segmentbericht</span><span class=\"f charStyle-88cee56f ps5226\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps479\">-798,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps479\">-545,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-c5fdbd46 ps36\">Bewertungseffekte aus aktienbasierten </span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-c5fdbd46 ps36\">Verg\u00fctungen mit Barausgleich</span><span class=\"f charStyle-88cee56f ps5219\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2844 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps467\">-19,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2845 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2888 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-c5fdbd46 ps36\">Regulatorische Aufwendungen</span><span class=\"f charStyle-88cee56f ps5220\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2889 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps506\">-7,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2890 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-5,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3623 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Operative Aufwendungen gem\u00e4\u00df <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Konzern-Gewinn- und Verlustrechnung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5227 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps455\">-826,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5228 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps455\">-550,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:89.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3223 ss360\"><div><div class=\"ps4208 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">1 Gem\u00e4\u00df IFRS umfasst die Position \u201eSonstige betriebliche Ertr\u00e4ge und Aufwendungen\u201c auch </span></div><div class=\"ps5229 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">regulatorische Aufwendungen in H\u00f6he von 31,3\u00a0Mio.\u00a0\u20ac f\u00fcr das Jahr 2025 (2024: 9,5\u00a0Mio.\u00a0\u20ac). Die </span></div><div class=\"ps5230 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">Position \u201eOperative Aufwendungen\u201c enth\u00e4lt ebenfalls regulatorische Aufwendungen in H\u00f6he von </span></div><div class=\"ps5231 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">7,6\u00a0Mio.\u00a0\u20ac f\u00fcr das Jahr 2025 (2024: 5,8\u00a0Mio.\u00a0\u20ac). Das Management der BAWAG betrachtet </span></div><div class=\"ps5232 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">regulatorische Aufwendungen jedoch als gesonderten Aufwandsposten. Dementsprechend werden </span></div><div class=\"ps5233 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">diese im konsolidierten Konzernlagebericht separat unter den Aufwendungen dargestellt.<span class=\"f ps37\"> </span></span></div><div class=\"ps5234 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">Innerhalb der IFRS-Gewinn-\u00a0 und Verlustrechnung werden Bewertungseffekte aus aktienbasierten </span></div><div class=\"ps5235 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">Verg\u00fctungen mit Barausgleich als Teil der Personalaufwendungen ausgewiesen. Da das </span></div><div class=\"ps5236 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">Management der BAWAG diese Bewertungseffekte als sonstige Aufwendungen betrachtet, werden </span></div><div class=\"ps5237 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">19,9\u202fMio.\u202f\u20ac im konsolidierten Konzernlagebericht als Teil der Sonstigen betrieblichen Ertr\u00e4ge und </span></div><div class=\"ps5238 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">Aufwendungen dargestellt.</span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEntitysReportableSegmentsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-759": {
   "value": "<div class=\"ps330 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Grundlage f\u00fcr die Segmentierung ist die am 31. Dezember</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps331 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:123.67pt\">2025 g\u00fcltige Konzernstruktur.</span><span class=\"f charStyle-34546584 ps5108\" style=\"width:2.36pt\"> </span></div><div class=\"ps333 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">In der Segmentberichterstattung spiegeln sich die Resultate</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps334 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der in die BAWAG Group eingebundenen operativen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps34 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gesch\u00e4ftssegmente wider. Als Grundlage f\u00fcr die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps335 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">nachfolgenden Segmentinformationen dient IFRS 8 \u201eOperating</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps48 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Segments\u201c, der dem \u201eManagement-Ansatz\u201c folgt. Die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps336 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Segmentinformationen werden auf Basis des internen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps337 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Berichtswesens bestimmt, das dem Vorstand dazu dient, die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps338 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Leistung der Segmente zu beurteilen und Entscheidungen \u00fcber</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps339 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:245.38pt\">die Allokation von Ressourcen auf die Segmente zu treffen.</span></div><div class=\"ps341 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Aufspaltung des Zins\u00fcberschusses und dessen Allokation</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps342 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">auf die Segmente in der Managementberichterstattung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps343 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">beruhen auf den Grunds\u00e4tzen der Marktzinsmethode unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps344 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zus\u00e4tzlicher Ber\u00fccksichtigung verrechneter Liquidit\u00e4tskosten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps345 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">und -pr\u00e4mien. Dieser Methodik folgend wird unterstellt, dass</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps346 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Aktiv- und Passivpositionen \u00fcber entsprechend</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">fristenkongruente Gesch\u00e4fte am Geld- und Kapitalmarkt</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps347 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">refinanziert und demgem\u00e4\u00df zinsrisikolos gestellt werden. Die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps348 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">aktive Steuerung des Zinsrisikos erfolgt im Aktiv-/Passiv-</span></div><div class=\"ps349 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Management und wird erfolgsm\u00e4\u00dfig im Corporate Center</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps350 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">dargestellt. Die restlichen Erl\u00f6skomponenten und die direkt</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps351 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zurechenbaren Kosten werden verursachungsgerecht den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">jeweiligen Unternehmensbereichen zugerechnet. Die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Overheadkosten werden mittels Verteilungsschl\u00fcssel auf die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps16 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">einzelnen Segmente verteilt. Regulatorische Aufwendungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps354 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">werden ebenso auf Basis verschiedener Inputparameter auf</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps17 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:91.71pt\">die Segmente verteilt.</span></div><div class=\"ps18 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die BAWAG Group wird im Rahmen der folgenden vier</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps356 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:184.11pt\">Gesch\u00e4fts- und Berichtssegmente gesteuert:</span></div><div class=\"ps5110 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-1688cd52 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-81af04f8 ps956\" style=\"width:58.09pt\">Retail &amp; SME</span><span class=\"f charStyle-34546584 ps5109\" style=\"width:189.79pt\"> \u2013 hierunter fallen Spar-, Zahlungsverkehrs-,</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps5111 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Karten- und Finanzierungsprodukte, Anlage- und</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps5112 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Versicherungsprodukte f\u00fcr unsere Privatkunden, KMU-</span></div><div class=\"ps5113 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">Finanzierungen, das Factoring- &amp; Leasinggesch\u00e4ft sowie</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5114 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">unsere Aktivit\u00e4ten im Bereich des sozialen Wohnbaus,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5115 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">Wohnbaubankanleihen und eigene Emissionen, die mit</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5116 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Retailkrediten besichert sind. Das Segment betreut Privat-</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps5117 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">und KMU-Kunden im In- und Ausland \u00fcber ein zentral</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps5118 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">gesteuertes Filialnetz, das hochwertige Beratung und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5119 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">pers\u00f6nliche Kundenbetreuung sicherstellt. Das Filialnetz</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5120 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">wird durch Online-, Mobile- und Partner-Kan\u00e4le (Broker,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5121 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Dealer) erg\u00e4nzt. Die ausgebauten Kan\u00e4le f\u00f6rdern</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5122 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Neugesch\u00e4ft und bieten unseren Kunden gleichzeitig rund</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5123 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">um die Uhr Zugang zu unseren Dienstleistungen. Unsere</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5124 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Online-Produktpalette bietet unter anderem Sparen,</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5125 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Zahlungsverkehr, Wertpapiergesch\u00e4ft, Karten- und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps5126 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Kreditgesch\u00e4ft f\u00fcr Privatkunden und KMUs, w\u00e4hrend unser</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5127 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Plattformgesch\u00e4ft KFZ-, Mobilien- und Immobilienleasing</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">sowie Konsum- und Hypothekarkredite anbietet. Weiters</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">f\u00e4llt darunter das Kredit- und Plattformgesch\u00e4ft mit</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">internationalen privaten Kreditnehmern in Westeuropa</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">und den USA. Wir verfolgen unsere grenz\u00fcberschreitenden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Aktivit\u00e4ten mit einem Multikanal- und Mehrmarkenansatz</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">und stets auf der Basis einer konservativen und sicheren</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Kreditvergabepolitik, was durch unser Plattformgesch\u00e4ft in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">der DACH/NL-Region, das prim\u00e4r auf die Vergabe</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">besicherter Hypothekarkredite ausgerichtet ist, best\u00e4tigt</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:21.18pt\">wird.</span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-1688cd52 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-81af04f8 ps369\" style=\"width:168.19pt\">Corporates, Real Estate &amp; Public Sector</span><span class=\"f charStyle-34546584 ps5128\" style=\"width:79.64pt\"> \u2013 beinhaltet unser</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Kreditgesch\u00e4ft mit internationalen Kommerzkunden sowie</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">das internationale Immobilienfinanzierungsgesch\u00e4ft, vor</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">allem in den USA. Weiters umfasst das Segment die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Unternehmensfinanzierung und sonstige Provisions-</span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">dienstleistungen mit Kommerzkunden und der \u00f6ffentlichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Hand vorwiegend in \u00d6sterreich und Deutschland, mit einer</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Ausweitung nach Westeuropa. Eigenemissionen, die mit</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Kommerzkrediten oder Krediten der \u00f6ffentlichen Hand</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">besichert sind, bzw. direkte Refinanzierungen sind diesem</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:121.49pt\">Segment ebenso zugeordnet.</span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-1688cd52 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-81af04f8 ps369\" style=\"width:36.88pt\">Treasury</span><span class=\"f charStyle-34546584 ps5129\" style=\"width:211.01pt\"> \u2013 umfasst unsere Aktivit\u00e4ten im Zusammenhang</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">mit der Bereitstellung von Handels- und Investitionsdienst-</span></div><div class=\"ps1558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">leistungen und ALM-Transaktionen (inklusive besicherter</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">und unbesicherter Refinanzierung) und die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Anlageergebnisse des Wertpapierportfolios der BAWAG</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:28.67pt\">Group.</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-1688cd52 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-81af04f8 ps369\" style=\"width:77.58pt\">Corporate Center</span><span class=\"f charStyle-34546584 ps5130\" style=\"width:170.25pt\"> \u2013 stellt zentrale Funktionen f\u00fcr die</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">gesamte Gruppe sicher wie Rechtsberatung,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Risikomanagement und Aktiv-Passiv-Management sowie</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">alle nicht anderswo zugeh\u00f6rigen Posten im Zusammenhang</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">mit diesen Konzern-Supportfunktionen, Bilanzposten wie</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">z.B. Marktwerte der Derivate, das Eigenkapital der Bank,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Immobilien und Sachanlagen, nicht zinstragende Aktiva</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">und Passiva sowie bestimmte Aktivit\u00e4ten und Ergebnisse</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">von Tochterunternehmen, Beteiligungen und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:100.02pt\">\u00dcberleitungspositionen.</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Unsere Segmente sind auf unsere Gesch\u00e4ftsstrategie hin</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ausgerichtet und orientieren sich am Ziel, die Ergebnisse</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">unserer Gesch\u00e4ftseinheiten und der gesamten Bank</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">transparent auszuweisen. Dazu geh\u00f6rt auch die Minimierung</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">finanzieller Auswirkungen und Aktivit\u00e4ten im Corporate</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:30.56pt\">Center.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSegmentReportingExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-760": {
   "value": "<div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-6423092b ps2\">KAPITALMANAGEMENT</span></div><div class=\"ps330 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.02pt\">Das Kapitalmanagement der BAWAG erfolgt auf Basis der CRR</span><span class=\"f charStyle-0fbf6bb6 ps148\" style=\"width:2.24pt\"> </span></div><div class=\"ps331 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.04pt\">(Capital Requirements Regulation) sowie der entsprechenden</span><span class=\"f charStyle-0fbf6bb6 ps171\" style=\"width:2.24pt\"> </span></div><div class=\"ps332 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.04pt\">nationalen Begleitverordnungen (Basel 3 S\u00e4ule 1) und im Sinne</span><span class=\"f charStyle-0fbf6bb6 ps171\" style=\"width:2.24pt\"> </span></div><div class=\"ps333 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.06pt\">des \u00f6konomischen Kapitalsteuerungsansatzes (Basel 3 S\u00e4ule 2)</span><span class=\"f charStyle-0fbf6bb6 ps146\" style=\"width:2.24pt\"> </span></div><div class=\"ps334 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:238.53pt\">des ICAAP (Internal Capital Adequacy Assessment Process).</span><span class=\"f charStyle-0fbf6bb6 ps5243\" style=\"width:2.24pt\"> </span></div><div class=\"ps335 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.02pt\">Das Kapitalmanagement wird zentral gesteuert. Kernaufgaben</span><span class=\"f charStyle-0fbf6bb6 ps148\" style=\"width:2.24pt\"> </span></div><div class=\"ps48 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.05pt\">sind die laufende Beobachtung der Gesch\u00e4ftsentwicklung der</span><span class=\"f charStyle-0fbf6bb6 ps152\" style=\"width:2.24pt\"> </span></div><div class=\"ps336 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.01pt\">Gruppe, die Analyse der Ver\u00e4nderungen der risikogewichteten</span><span class=\"f charStyle-0fbf6bb6 ps150\" style=\"width:2.24pt\"> </span></div><div class=\"ps337 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.04pt\">Aktiva sowie deren Abgleich mit den zur Verf\u00fcgung stehenden</span><span class=\"f charStyle-0fbf6bb6 ps171\" style=\"width:2.24pt\"> </span></div><div class=\"ps338 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.03pt\">regulatorischen Eigenmitteln bzw. dem ICAAP-Limit und den</span><span class=\"f charStyle-0fbf6bb6 ps160\" style=\"width:2.24pt\"> </span></div><div class=\"ps339 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:104.41pt\">Auslastungen je Segment.</span><span class=\"f charStyle-0fbf6bb6 ps5244\" style=\"width:2.24pt\"> </span></div><div class=\"ps341 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.05pt\">Die Kapitalplanung ist vollst\u00e4ndig in den Business-</span></div><div class=\"ps342 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.04pt\">Planungsprozess integriert, um sicherzustellen, dass sowohl die</span><span class=\"f charStyle-0fbf6bb6 ps171\" style=\"width:2.24pt\"> </span></div><div class=\"ps343 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.03pt\">regulatorischen Kapitalanforderungen als auch die</span><span class=\"f charStyle-0fbf6bb6 ps160\" style=\"width:2.24pt\"> </span></div><div class=\"ps344 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.05pt\">Zielkapitalquote \u00fcber den gesamten Planungshorizont</span><span class=\"f charStyle-0fbf6bb6 ps152\" style=\"width:2.24pt\"> </span></div><div class=\"ps345 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.02pt\">eingehalten werden. Neben der regulatorischen Kapitalplanung</span><span class=\"f charStyle-0fbf6bb6 ps148\" style=\"width:2.24pt\"> </span></div><div class=\"ps346 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.04pt\">werden im Rahmen des ICAAP-Prozesses den</span><span class=\"f charStyle-0fbf6bb6 ps171\" style=\"width:2.24pt\"> </span></div><div class=\"ps1256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.06pt\">Gesch\u00e4ftssegmenten einzelne Kapitallimite zugewiesen, die in</span><span class=\"f charStyle-0fbf6bb6 ps146\" style=\"width:2.24pt\"> </span></div><div class=\"ps347 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:132.6pt\">Einklang mit der Planung stehen.</span></div><div class=\"ps349 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.02pt\">Das Capital Management Team spricht gegebenenfalls</span><span class=\"f charStyle-0fbf6bb6 ps148\" style=\"width:2.24pt\"> </span></div><div class=\"ps350 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.03pt\">Empfehlungen zur St\u00e4rkung und Optimierung der</span><span class=\"f charStyle-0fbf6bb6 ps160\" style=\"width:2.24pt\"> </span></div><div class=\"ps351 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.06pt\">Eigenkapitaldecke an den Gesamtvorstand der BAWAG Group</span><span class=\"f charStyle-0fbf6bb6 ps146\" style=\"width:2.24pt\"> </span></div><div class=\"ps352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:261.99pt\">aus und berichtet monatlich an das Enterprise Risk Meeting der</span><span class=\"f charStyle-0fbf6bb6 ps249\" style=\"width:2.24pt\"> </span></div><div class=\"ps353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:22.43pt\">Bank.</span></div><div class=\"ps354 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.02pt\">Der ICAAP ist gleicherma\u00dfen nach Risikotragf\u00e4higkeit und</span><span class=\"f charStyle-0fbf6bb6 ps148\" style=\"width:2.24pt\"> </span></div><div class=\"ps17 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.03pt\">Gesch\u00e4fts- und Risikoprofil der Gruppe gestaltet und bildet</span><span class=\"f charStyle-0fbf6bb6 ps160\" style=\"width:2.24pt\"> </span></div><div class=\"ps355 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.05pt\">einen integralen Bestandteil des Planungs- und Kontrollsystems.</span><span class=\"f charStyle-0fbf6bb6 ps152\" style=\"width:2.24pt\"> </span></div><div class=\"ps18 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.04pt\">Im Rahmen des ICAAP werden die Risikotragf\u00e4higkeit</span><span class=\"f charStyle-0fbf6bb6 ps171\" style=\"width:2.24pt\"> </span></div><div class=\"ps356 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.06pt\">sichergestellt sowie der effiziente Einsatz der</span><span class=\"f charStyle-0fbf6bb6 ps146\" style=\"width:2.24pt\"> </span></div><div class=\"ps19 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.05pt\">Risikodeckungsmasse verfolgt. Stresstests runden den</span><span class=\"f charStyle-0fbf6bb6 ps152\" style=\"width:2.24pt\"> </span></div><div class=\"ps357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:132.13pt\">Steuerungsprozess zus\u00e4tzlich ab.</span></div><div class=\"ps358 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.04pt\">Im Rahmen des SREP werden auf Ebene der BAWAG Group</span><span class=\"f charStyle-0fbf6bb6 ps171\" style=\"width:2.24pt\"> </span></div><div class=\"ps21 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.03pt\">Mindestkapitalquoten festgesetzt sowie eine S\u00e4ule-2-</span></div><div class=\"ps359 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.03pt\">Empfehlung abgegeben. Zus\u00e4tzlich zu diesen extern von der</span><span class=\"f charStyle-0fbf6bb6 ps160\" style=\"width:2.24pt\"> </span></div><div class=\"ps22 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.03pt\">Bankenaufsicht vorgegebenen Mindestkapitalquoten werden in</span><span class=\"f charStyle-0fbf6bb6 ps160\" style=\"width:2.24pt\"> </span></div><div class=\"ps360 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.03pt\">dem im Rahmen des BaSAG (Bundesgesetz \u00fcber die Sanierung</span><span class=\"f charStyle-0fbf6bb6 ps160\" style=\"width:2.24pt\"> </span></div><div class=\"ps23 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.06pt\">und Abwicklung von Banken) erstellten Sanierungsplan der</span><span class=\"f charStyle-0fbf6bb6 ps146\" style=\"width:2.24pt\"> </span></div><div class=\"ps361 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.04pt\">BAWAG Group Schwellenwerte f\u00fcr das Erreichen einer</span><span class=\"f charStyle-0fbf6bb6 ps171\" style=\"width:2.24pt\"> </span></div><div class=\"ps24 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.02pt\">Fr\u00fchwarnphase sowie der Sanierungsphase und den damit</span><span class=\"f charStyle-0fbf6bb6 ps148\" style=\"width:2.24pt\"> </span></div><div class=\"ps362 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.06pt\">zusammenh\u00e4ngenden Prozessen definiert. Die Schwellenwerte</span><span class=\"f charStyle-0fbf6bb6 ps146\" style=\"width:2.24pt\"> </span></div><div class=\"ps25 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.06pt\">beziehen sich dabei auf regulatorische und auf \u00f6konomische</span><span class=\"f charStyle-0fbf6bb6 ps146\" style=\"width:2.24pt\"> </span></div><div class=\"ps363 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:59.12pt\">Kapitalgr\u00f6\u00dfen.</span></div><div class=\"ps364 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.02pt\">Die BAWAG Group \u00fcberwacht kontinuierlich die Einhaltung der</span><span class=\"f charStyle-0fbf6bb6 ps148\" style=\"width:2.24pt\"> </span></div><div class=\"ps27 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.03pt\">Schwellenwerte und damit auch gleichzeitig die Einhaltung der</span><span class=\"f charStyle-0fbf6bb6 ps160\" style=\"width:2.24pt\"> </span></div><div class=\"ps365 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.01pt\">vorgeschriebenen Eigenmittelquoten. Dies erfolgt auf Basis der</span><span class=\"f charStyle-0fbf6bb6 ps150\" style=\"width:2.24pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.03pt\">Meldungen an die \u00d6sterreichische Nationalbank sowie der</span><span class=\"f charStyle-0fbf6bb6 ps205\" style=\"width:2.24pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:220.36pt\">regelm\u00e4\u00dfigen Beobachtung der Gesch\u00e4ftsentwicklung.</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.06pt\">Zus\u00e4tzlich achtet das Capital Management Team auf alle</span><span class=\"f charStyle-0fbf6bb6 ps190\" style=\"width:2.24pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.04pt\">zuk\u00fcnftigen regulatorischen \u00c4nderungen in seinem</span><span class=\"f charStyle-0fbf6bb6 ps192\" style=\"width:2.24pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.02pt\">Verantwortungsbereich wie z.B. Basel IV/V. Die regulatorischen</span><span class=\"f charStyle-0fbf6bb6 ps201\" style=\"width:2.24pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.04pt\">Entwicklungen werden kontinuierlich verfolgt und die</span><span class=\"f charStyle-0fbf6bb6 ps192\" style=\"width:2.24pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.06pt\">Auswirkungen auf die Kapitalposition der Bank eingesch\u00e4tzt. Die</span><span class=\"f charStyle-0fbf6bb6 ps190\" style=\"width:2.24pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.05pt\">erwarteten Auswirkungen der regulatorischen \u00c4nderungen</span><span class=\"f charStyle-0fbf6bb6 ps208\" style=\"width:2.24pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.01pt\">werden regelm\u00e4\u00dfig an die zust\u00e4ndigen Bereichsleiter und</span><span class=\"f charStyle-0fbf6bb6 ps212\" style=\"width:2.24pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.05pt\">Vorst\u00e4nde kommuniziert. Erwartete zuk\u00fcnftige regulatorische</span><span class=\"f charStyle-0fbf6bb6 ps208\" style=\"width:2.24pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.05pt\">Anforderungen werden proaktiv in den</span><span class=\"f charStyle-0fbf6bb6 ps208\" style=\"width:2.24pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.05pt\">Kapitalmanagementprozess integriert. Damit soll sichergestellt</span><span class=\"f charStyle-0fbf6bb6 ps208\" style=\"width:2.24pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.06pt\">werden, dass die Bank ihr Kapitalmanagement rechtzeitig an die</span><span class=\"f charStyle-0fbf6bb6 ps190\" style=\"width:2.24pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:231.08pt\">neuen gesetzlichen Rahmenbedingungen anpassen kann.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.04pt\">Die konsolidierten regulatorischen Meldungen erfolgen auf</span><span class=\"f charStyle-0fbf6bb6 ps192\" style=\"width:2.24pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.06pt\">Ebene der BAWAG Group als EU-</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:237.41pt\">Mutterfinanzholdinggesellschaft der Kreditinstitutsgruppe.</span><span class=\"f charStyle-0fbf6bb6 ps5245\" style=\"width:2.24pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.05pt\">Als Teil des Kapitalmanagements werden auch die MREL-</span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.06pt\">Anforderungen beobachtet und berichtet. Im vierten Quartal</span><span class=\"f charStyle-0fbf6bb6 ps190\" style=\"width:2.24pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.02pt\">2025 hat die BAWAG Group den neuen MREL-Bescheid von dem</span><span class=\"f charStyle-0fbf6bb6 ps201\" style=\"width:2.24pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:186.65pt\">Single Resolution Board (\u201eSRB\u201c) erhalten. </span><span class=\"f charStyle-34546584 ps5246\" style=\"width:75.41pt\">Die Entscheidung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">basiert auf einer Single-Point-of-Entry-Strategie mit BAWAG</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">P.S.K. AG als Abwicklungseinheit. Die MREL-Anforderung (inkl.</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">kombinierter Kapitalpufferanforderung) wurde darin auf</span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:33.22pt\"><span style=\"background-color:inherit\">27,6% d</span></span><span class=\"f charStyle-34546584 ps5247\" style=\"width:228.79pt\">er RWA auf konsolidierter Ebene der BAWAG P.S.K. AG</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">festgelegt. Die derzeitige MREL-Entscheidung beinhaltet kein</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Nachrangigkeitserfordernis. Zus\u00e4tzlich zur MREL-Anforderung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">als Prozentsatz von RWA beinhaltet die neue SRB-</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Entscheidung auch eine Anforderung als Prozentsatz der LRE</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(Leverage Ratio Exposure). Dieses wurde auf 5,9% auf</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:223.9pt\">konsolidierter Ebene der BAWAG P.S.K. AG festgelegt.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Per 31. Dezember 2025 verf\u00fcgte die BAWAG \u00fcber MREL-f\u00e4hige</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:76.88pt\">Instrumente von </span><span class=\"f charStyle-5a2826df ps5248\" style=\"width:135.92pt\"><span style=\"background-color:inherit\">34,0% der RWAs und 10,2% d</span></span><span class=\"f charStyle-34546584 ps5249\" style=\"width:33.65pt\">er LRE </span><span class=\"f charStyle-0fbf6bb6 ps5250\" style=\"width:15.59pt\">(31.</span><span class=\"f charStyle-0fbf6bb6 ps192\" style=\"width:2.24pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:261.98pt\">Dezember 2024: MREL-Quote von 31,8% in % der RWAs und</span><span class=\"f charStyle-0fbf6bb6 ps1243\" style=\"width:2.24pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:261.99pt\">9,0% in % des LRE [inklusive Gewinnanrechnung und abz\u00fcglich</span><span class=\"f charStyle-0fbf6bb6 ps214\" style=\"width:2.24pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:113.63pt\">der geplanten Dividende])</span><span class=\"f charStyle-34546584 ps5251\" style=\"width:148.41pt\">. Damit erf\u00fcllte die BAWAG die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:224.18pt\">finalen Anforderungen auf Basis der RWA und der LRE</span><span class=\"f charStyle-0fbf6bb6 ps5252\" style=\"width:2.5pt\">.</span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:10.69pt\">Im</span><span class=\"f charStyle-0fbf6bb6 ps5253\" style=\"width:251.32pt\"> Januar 2026 beschloss der Vorstand nach Erhalt der</span><span class=\"f charStyle-0fbf6bb6 ps212\" style=\"width:2.24pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.05pt\">erforderlichen Genehmigung durch die EZB, ein weiteres</span><span class=\"f charStyle-0fbf6bb6 ps208\" style=\"width:2.24pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.01pt\">Aktienr\u00fcckkaufprogramm in H\u00f6he von 75 Mio. \u20ac f\u00fcr</span><span class=\"f charStyle-0fbf6bb6 ps212\" style=\"width:2.24pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.05pt\">Aktienprogramme durchzuf\u00fchren. Dieses</span><span class=\"f charStyle-0fbf6bb6 ps208\" style=\"width:2.24pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.06pt\">Aktienr\u00fcckkaufprogramm wurde am 2. Februar 2026 erfolgreich</span><span class=\"f charStyle-0fbf6bb6 ps190\" style=\"width:2.24pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.05pt\">abgeschlossen. Aus Managementsicht werden die</span><span class=\"f charStyle-0fbf6bb6 ps208\" style=\"width:2.24pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.04pt\">vorgeschlagene Dividende in H\u00f6he von 481 Mio. \u20ac, die</span><span class=\"f charStyle-0fbf6bb6 ps192\" style=\"width:2.24pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.05pt\">vorbehaltlich der entsprechenden Beschlussfassung in der</span><span class=\"f charStyle-0fbf6bb6 ps208\" style=\"width:2.24pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.02pt\">Hauptversammlung ausgezahlt wird, und der Aktienr\u00fcckkauf in</span><span class=\"f charStyle-0fbf6bb6 ps201\" style=\"width:2.24pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:216.05pt\">H\u00f6he von 75 Mio. \u20ac von den Eigenmitteln abgezogen.</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.02pt\">Die folgende Tabelle zeigt die Zusammensetzung der Eigenmittel</span><span class=\"f charStyle-0fbf6bb6 ps201\" style=\"width:2.24pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.03pt\">der BAWAG Group inklusive \u00dcbergangsregelungen (inklusive</span><span class=\"f charStyle-0fbf6bb6 ps205\" style=\"width:2.24pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.01pt\">Gewinnanrechnung und abz\u00fcglich der geplanten Dividende in</span><span class=\"f charStyle-0fbf6bb6 ps212\" style=\"width:2.24pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps185\" style=\"width:262.06pt\">H\u00f6he von 481\u00a0Mio.\u00a0\u20ac, die vorbehaltlich der entsprechenden</span><span class=\"f charStyle-0fbf6bb6 ps190\" style=\"width:2.24pt\"> </span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.05pt\">Beschlussfassung in der Hauptversammlung ausgezahlt wird)</span><span class=\"f charStyle-0fbf6bb6 ps152\" style=\"width:2.24pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262pt\">und deren risikogewichtete Aktiva zum 31. Dezember 2025 und</span><span class=\"f charStyle-0fbf6bb6 ps167\" style=\"width:2.24pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.01pt\">zum 31. Dezember 2024 gem\u00e4\u00df CRR mit IFRS-Werten und auf</span><span class=\"f charStyle-0fbf6bb6 ps150\" style=\"width:2.24pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.02pt\">Basis des CRR-Konsolidierungskreises. Eine weitere Tabelle zeigt</span><span class=\"f charStyle-0fbf6bb6 ps148\" style=\"width:2.24pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.06pt\">die Zusammensetzung der ber\u00fccksichtigungsf\u00e4higen</span><span class=\"f charStyle-0fbf6bb6 ps146\" style=\"width:2.24pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:262.02pt\">Verbindlichkeiten und die Eigenmittel (MREL) auf konsolidierter</span><span class=\"f charStyle-0fbf6bb6 ps148\" style=\"width:2.24pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0fbf6bb6 ps2\" style=\"width:116.82pt\">Ebene der BAWAG P.S.K. AG.</span></div><div class=\"ps5318 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:420.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss362\"><div><div class=\"ps276 ss361\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps5256 ss363\"><div><div class=\"ps900 ss226\"><span class=\"f charStyle-37455c2a ps5255\">BAWAG Group<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps844 ss364\"><div><div class=\"ps277 ss361\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5257 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-584de24a ps4376\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5258 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-37455c2a ps4377\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5260 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-c5fdbd46 ps36\">Grundkapital und R\u00fccklagen (inklusive Fonds f\u00fcr allgemeine Bankrisiken)</span><span class=\"f charStyle-88cee56f ps5259\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps5262 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps5261\">3.957<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5263 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps5261\">3.753<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5264 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Abzug immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5266 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps5265\">-472<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5267 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps5265\">-415<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps711 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Sonstiges Ergebnis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5268 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps5265\">-106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5269 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps5265\">-164<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2480 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Fehlbetrag IRB-Risikovorsorge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5270 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4287\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5272 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps5271\">-21<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3215 ss364\"><div><div class=\"ps624 ss361\"><span class=\"f charStyle-37455c2a ps36\">Prudent valuation, aus der Zeitwertbilanzierung resultierende nicht realisierte Gewinne, Gewinne aus zum Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss361\"><span class=\"f charStyle-37455c2a ps36\">bilanzierten Verbindlichkeiten, die aus Ver\u00e4nderungen der eigenen Bonit\u00e4t resultieren, Cashflow-Hedge-Reserve</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5273 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-71900c34 ps4281\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5274 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4277\">62<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3555 ss364\"><div><div class=\"ps624 ss361\"><span class=\"f charStyle-37455c2a ps36\">Von der k\u00fcnftigen Rentabilit\u00e4t abh\u00e4ngige latente Steueranspr\u00fcche, ausgenommen diejenigen, die aus tempor\u00e4ren <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss361\"><span class=\"f charStyle-37455c2a ps36\">Differenzen resultieren</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5275 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-71900c34 ps4287\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5276 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4287\">-1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5277 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Verbriefungspositionen, denen alternativ ein Risikogewicht von 1.250% zugeordnet werden kann<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5278 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps5271\">-44<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5279 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps5271\">-29<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps741 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Unzureichende Deckung notleidender Risikopositionen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5280 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps5271\">-22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5281 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps5271\">-10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5282 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Zus\u00e4tzliche, aufgrund von Artikel 3 CRR vorzunehmende Abz\u00fcge vom harten Kernkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5283 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps5271\">-28<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5284 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps5271\">-27<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5285 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-7ff22fcd ps36\">Hartes Kernkapital \u2013 CET I <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5287 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-36b68314 ps5286\">3.290<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5288 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-0b080fec ps5286\">3.147<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4786 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Als zus\u00e4tzliches Kernkapital anrechenbare Kapitalinstrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5289 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4379\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5290 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4379\">675<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4962 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Abzug wesentliche Beteiligungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5291 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps5271\">-40<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5292 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps5271\">-72<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5293 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-7ff22fcd ps36\">Zus\u00e4tzliches Kernkapital <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5294 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-36b68314 ps4379\">460<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5295 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-0b080fec ps4379\">603<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps907 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-7ff22fcd ps36\">Kernkapital \u2013 Tier I <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5296 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-36b68314 ps5286\">3.751<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5297 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-0b080fec ps5286\">3.750<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5298 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Erg\u00e4nzungskapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5299 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4379\">685<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5300 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4379\">631<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5301 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Erg\u00e4nzungskapital mit \u00dcbergangsbestimmungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5302 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4297\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5303 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4281\">8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5304 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">\u00dcberschuss IRB-Risikovorsorge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5305 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4297\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5306 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4297\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5307 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Abzug wesentliche Beteiligungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5308 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4297\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5309 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4297\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4699 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-7ff22fcd ps36\">Erg\u00e4nzungskapital \u2013 Tier II <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5310 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-36b68314 ps4379\">685<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5311 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-0b080fec ps4379\">638<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5312 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-7ff22fcd ps36\">Anrechenbare Eigenmittel (Gesamtkapital)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5313 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-36b68314 ps5286\">4.436<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5314 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-0b080fec ps5286\">4.388<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5317 ss366\"><div><div class=\"ps5315 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">1 In dieser Position wurden noch nicht ausbezahlte Dividenden f\u00fcr das Gesch\u00e4ftsjahr 2025 in H\u00f6he von 481,3 Mio. \u20ac abgezogen (31.12.2024: 431,9 Mio. \u20ac nicht ausbezahlte Dividenden f\u00fcr das Gesch\u00e4ftsjahr </span></div><div class=\"ps5316 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">2024).</span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps797 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:420.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Risikogewichtete Aktiva mit \u00dcbergangsbestimmungen</span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss362\"><div><div class=\"ps276 ss361\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps5256 ss363\"><div><div class=\"ps900 ss226\"><span class=\"f charStyle-37455c2a ps5255\">BAWAG Group<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps844 ss364\"><div><div class=\"ps277 ss361\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5257 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-584de24a ps4376\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5258 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-37455c2a ps4377\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5260 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Kreditrisiko<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps5262 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps3012\">18.433<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5263 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps3012\">18.132<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5264 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Operationelles Risiko<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5266 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps5261\">4.160<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5267 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps5261\">2.495<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps711 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-7ff22fcd ps36\">Risikogewichtete Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5268 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-36b68314 ps5320\">22.594<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5269 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-0b080fec ps5320\">20.627<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5323 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:420.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Kennzahlen gem\u00e4\u00df CRR entsprechend Managementsicht</span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss362\"><div><div class=\"ps38 ss361\"><span class=\"f charStyle-7973db00 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps5256 ss363\"><div><div class=\"ps900 ss226\"><span class=\"f charStyle-37455c2a ps5255\">BAWAG Group<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps844 ss364\"><div><div class=\"ps279 ss361\"><span class=\"f charStyle-7973db00 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5257 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-584de24a ps4376\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5258 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-37455c2a ps4377\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5260 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Common Equity Tier 1 Quote, bezogen auf das Gesamtrisiko<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps5262 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34\"><span class=\"ps5322\"></span><span class=\"ps5322\">14,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5263 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps5322\"></span><span class=\"ps5322\">15,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5264 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Gesamtkapitalquote, bezogen auf das Gesamtrisiko<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5266 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34\"><span class=\"ps5322\"></span><span class=\"ps5322\">19,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5267 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps5322\"></span><span class=\"ps5322\">21,2%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5325 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:420.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Kennzahlen gem\u00e4\u00df CRR inklusive \u00dcbergangsbestimmungen</span></div></div></div></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss362\"><div><div class=\"ps276 ss361\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps5256 ss363\"><div><div class=\"ps900 ss226\"><span class=\"f charStyle-37455c2a ps5255\">BAWAG Group<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps844 ss364\"><div><div class=\"ps1091 ss361\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5257 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-584de24a ps4376\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5258 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-37455c2a ps4377\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5260 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Common Equity Tier 1 Quote, bezogen auf das Gesamtrisiko<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps5262 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34\"><span class=\"ps5322\"></span><span class=\"ps5322\">14,6%</span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5263 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps5322\"></span><span class=\"ps5322\">15,3%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5264 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Gesamtkapitalquote, bezogen auf das Gesamtrisiko<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5266 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34\"><span class=\"ps5322\"></span><span class=\"ps5322\">19,6%</span></span></div></div></div></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5267 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps5322\"></span><span class=\"ps5322\">21,3%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5327 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:41.62pt\">W\u00e4hrend </span><span class=\"f charStyle-5a2826df ps5326\" style=\"width:220.41pt\"><span style=\"background-color:inherit\">des Gesch\u00e4ftsjahres 2025 hat die BAWAG Group die</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps5328 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">sich aus dem SREP ergebenden Mindestkapitalanforderungen</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps5329 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">von 10,30% CET1, 12,27% Tier 1 und 14,90% Gesamtkapital</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps5330 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">bzw. 10,80%/12,77%/15,40% inkl. S\u00e4ule-2-Empfehlung</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps5333 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:82.67pt\"><span style=\"background-color:inherit\">durchgehend erf\u00fcllt</span></span><span class=\"f charStyle-7fb76419 ps5331\" style=\"width:3.35pt\"><span style=\"background-color:inherit\">1</span><sup></sup></span><span class=\"f charStyle-34546584 ps5332\" style=\"width:2.62pt\">.</span></div><div class=\"ps5335 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-c864b730 ps2\"><span style=\"background-color:inherit\">1 Antizyklischer Kapitalpuffer von 0,4895%, basierend auf dem Exposure von Dezember 2025.</span></span><span class=\"f charStyle-5ee25b5a ps5334\">.</span></div></div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:420.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:53.25pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss362\"><div><div class=\"ps276 ss361\"><span class=\"f charStyle-9f85f029 ps36\">MREL<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss362\"><div><div class=\"ps276 ss361\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps5256 ss363\"><div><div class=\"ps900 ss226\"><span class=\"f charStyle-37455c2a ps5336\">BAWAG P.S.K.<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps844 ss364\"><div><div class=\"ps277 ss361\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5257 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-584de24a ps4376\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5258 ss278\"><div><div class=\"ps281 ss274\"><span class=\"f charStyle-37455c2a ps4377\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5260 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Altbestand der bevorrechtigten Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps5262 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4379\">735<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5263 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4379\">641<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5264 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Neue bevorrechtigte Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5266 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps5261\">2.223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5267 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps5261\">1.363<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps711 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">Nicht bevorrechtigte Schuldverschreibungen und andere nachrangige Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5268 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34 ps4379\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5269 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4 ps4379\">502<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2480 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-7ff22fcd ps36\">Ber\u00fccksichtigungsf\u00e4hige Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5270 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-36b68314 ps5286\">3.458<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5272 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-0b080fec ps5286\">2.506<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3215 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-7ff22fcd ps36\">Anrechenbare Eigenmittel (Gesamtkapital)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5273 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-36b68314 ps5286\">4.080<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5274 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-0b080fec ps5286\">3.940<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3223 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-7ff22fcd ps36\">Summe MREL<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5337 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-36b68314 ps5286\">7.538<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5338 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-0b080fec ps5286\">6.446<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5339 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-7ff22fcd ps36\">RWA<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5340 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-36b68314 ps5320\">22.161<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5341 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-0b080fec ps5320\">20.265<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2356 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">MREL-Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5342 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34\"><span class=\"ps5322\"></span><span class=\"ps5322\">34,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5343 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps5322\"></span><span class=\"ps5322\">31,8%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5344 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">MREL-Anforderung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5345 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34\"><span class=\"ps5322\"></span><span class=\"ps5322\">27,6%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5346 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps5322\"></span><span class=\"ps5322\">27,3%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5347 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-7ff22fcd ps36\">LRE<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5348 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-36b68314 ps5320\">73.555<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5349 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-0b080fec ps5320\">71.471<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5350 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">MREL-Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5351 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34\"><span class=\"ps5322\"></span><span class=\"ps5322\">10,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5353 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps5352\"></span><span class=\"ps5352\">9,0%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1110 ss365\"><div><div class=\"ps291 ss361\"><span class=\"f charStyle-37455c2a ps36\">MREL-Anforderung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5354 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-71900c34\"><span class=\"ps5352\"></span><span class=\"ps5352\">5,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5355 ss279\"><div><div class=\"ps291 ss274\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps5352\"></span><span class=\"ps5352\">5,9%</span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfObjectivesPoliciesAndProcessesForManagingCapitalExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-761": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Ver\u00e4nderungen der Verbindlichkeiten aus </span><div class=\"ps5357 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Finanzierungst\u00e4tigkeiten, einschlie\u00dflich </span></div><div class=\"ps5358 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Ver\u00e4nderungen durch Cashflow und nicht </span></div><div class=\"ps5359 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">zahlungswirksame Ver\u00e4nderungen </span></div><div class=\"ps5360 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verbindlichkeiten aus Finanzierungst\u00e4tigkeiten sind</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5361 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verbindlichkeiten, bei denen Cashflows in der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5362 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Kapitalflussrechnung als Cashflows aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5363 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Finanzierungst\u00e4tigkeiten eingestuft werden. In der BAWAG</span><span class=\"f charStyle-34546584 ps160\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps5364 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">werden Cashflows aus dem Erg\u00e4nzungs- und Nachrangkapital</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps5365 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">als Cashflows aus Finanzierungst\u00e4tigkeiten eingestuft (f\u00fcr</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps5366 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Details zum Erg\u00e4nzungs- und Nachrangkapital verweisen wir</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps5367 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">auf Note 26). Die folgende Tabelle zeigt die Ver\u00e4nderungen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps5368 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:257.07pt\">des Erg\u00e4nzungs- und Nachrangkapitals in der Berichtsperiode:</span></div><div class=\"ps5448 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:91.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:44.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"19\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:75.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss368\"><div><div class=\"ps2023 ss367\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5371 ss369\"><div><div class=\"ps2037 ss173\"><span class=\"f charStyle-37455c2a ps5370\">01.01.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5375 ss369\"><div><div class=\"ps2031 ss173\"><span class=\"f charStyle-37455c2a ps5372\">\u00c4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps2033 ss173\"><span class=\"f charStyle-37455c2a ps5373\">Konsoli-</span></div><div class=\"ps2035 ss173\"><span class=\"f charStyle-37455c2a ps5374\">dierungs-</span></div><div class=\"ps2037 ss173\"><span class=\"f charStyle-37455c2a ps3012\">kreis</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps1783 ss369\"><div><div class=\"ps1717 ss173\"><span class=\"f charStyle-37455c2a ps5376\">Zeitwert-<span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss173\"><span class=\"f charStyle-37455c2a ps4883\">anpassung </span></div><div class=\"ps2029 ss173\"><span class=\"f charStyle-37455c2a ps5377\">des </span></div><div class=\"ps2031 ss173\"><span class=\"f charStyle-37455c2a ps5378\">Grundge-</span></div><div class=\"ps2033 ss173\"><span class=\"f charStyle-37455c2a ps5379\">sch\u00e4fts aus </span></div><div class=\"ps2035 ss173\"><span class=\"f charStyle-37455c2a ps5380\">Fair-Value-</span></div><div class=\"ps2037 ss173\"><span class=\"f charStyle-37455c2a ps5381\">Hedges</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5387 ss369\"><div><div class=\"ps40 ss173\"><span class=\"f charStyle-30af65c7 ps5382\">Bewertungs<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss173\"><span class=\"f charStyle-30af65c7 ps2052\">effekte von </span></div><div class=\"ps2027 ss173\"><span class=\"f charStyle-30af65c7 ps5383\">zum </span></div><div class=\"ps2029 ss173\"><span class=\"f charStyle-30af65c7 ps5384\">Zeitwert </span></div><div class=\"ps2031 ss173\"><span class=\"f charStyle-30af65c7 ps5385\">bilanzierten </span></div><div class=\"ps2033 ss173\"><span class=\"f charStyle-30af65c7 ps2641\">finanziellen </span></div><div class=\"ps2035 ss173\"><span class=\"f charStyle-30af65c7 ps1339\">Verbindlich-</span></div><div class=\"ps2037 ss173\"><span class=\"f charStyle-30af65c7 ps5386\">keiten</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5390 ss369\"><div><div class=\"ps2035 ss173\"><span class=\"f charStyle-37455c2a ps5388\">Neu-<span class=\"f ps37\"> </span></span></div><div class=\"ps2037 ss173\"><span class=\"f charStyle-37455c2a ps5389\">emissionen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5392 ss369\"><div><div class=\"ps2037 ss173\"><span class=\"f charStyle-37455c2a ps5391\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5399 ss369\"><div><div class=\"ps1717 ss173\"><span class=\"f charStyle-47d94f41 ps5393\">R\u00fcckkauf, <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss173\"><span class=\"f charStyle-47d94f41 ps5394\">Tilgung </span></div><div class=\"ps2029 ss173\"><span class=\"f charStyle-47d94f41 ps5395\">bzw. </span></div><div class=\"ps2031 ss173\"><span class=\"f charStyle-47d94f41 ps5396\">zahlungs-</span></div><div class=\"ps2033 ss173\"><span class=\"f charStyle-47d94f41 ps5397\">wirksame </span></div><div class=\"ps2035 ss173\"><span class=\"f charStyle-47d94f41 ps5398\">Ver\u00e4n-</span></div><div class=\"ps2037 ss173\"><span class=\"f charStyle-47d94f41 ps3434\">derung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5401 ss369\"><div><div class=\"ps2037 ss173\"><span class=\"f charStyle-37455c2a ps5400\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps5403 ss370\"><div><div class=\"ps2037 ss44\"><span class=\"f charStyle-584de24a ps5402\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2065 ss371\"><div><div class=\"ps40 ss367\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss367\"><span class=\"f charStyle-7ff22fcd ps36\">beizulegenden Zeitwert </span></div><div class=\"ps2027 ss367\"><span class=\"f charStyle-7ff22fcd ps36\">bewertete finanzielle </span></div><div class=\"ps2029 ss367\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5405 ss372\"><div><div class=\"ps2029 ss173\"><span class=\"f charStyle-a9cd7334 ps5404\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5406 ss372\"><div><div class=\"ps2029 ss173\"><span class=\"f charStyle-a9cd7334 ps5404\">\u00a0</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5407 ss372\"><div><div class=\"ps2029 ss173\"><span class=\"f charStyle-a9cd7334 ps5404\">\u00a0</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5408 ss372\"><div><div class=\"ps2029 ss173\"><span class=\"f charStyle-a9cd7334 ps5404\">\u00a0</span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5409 ss372\"><div><div class=\"ps2029 ss173\"><span class=\"f charStyle-a9cd7334 ps5404\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5410 ss372\"><div><div class=\"ps2029 ss173\"><span class=\"f charStyle-a9cd7334 ps5404\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5411 ss372\"><div><div class=\"ps2029 ss173\"><span class=\"f charStyle-a9cd7334 ps5404\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5412 ss372\"><div><div class=\"ps2029 ss173\"><span class=\"f charStyle-a9cd7334 ps5404\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps5414 ss373\"><div><div class=\"ps2029 ss44\"><span class=\"f charStyle-a9cd7334 ps5413\">\u00a0</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5415 ss374\"><div><div class=\"ps624 ss367\"><span class=\"f charStyle-37455c2a ps621\">Nachrang- und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss367\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5416 ss375\"><div><div class=\"ps281 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5417 ss375\"><div><div class=\"ps281 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5418 ss375\"><div><div class=\"ps281 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5419 ss375\"><div><div class=\"ps281 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5420 ss375\"><div><div class=\"ps281 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5421 ss375\"><div><div class=\"ps281 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5422 ss375\"><div><div class=\"ps281 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5423 ss375\"><div><div class=\"ps281 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5425 ss51\"><div><div class=\"ps281 ss44\"><span class=\"f charStyle-71900c34 ps5424\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1355 ss371\"><div><div class=\"ps40 ss367\"><span class=\"f charStyle-7ff22fcd ps36\">Finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss367\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten zu </span></div><div class=\"ps2027 ss367\"><span class=\"f charStyle-7ff22fcd ps36\">fortgef\u00fchrten </span></div><div class=\"ps2029 ss367\"><span class=\"f charStyle-7ff22fcd ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3289 ss374\"><div><div class=\"ps624 ss367\"><span class=\"f charStyle-37455c2a ps621\">Nachrang- und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss367\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5426 ss375\"><div><div class=\"ps281 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">631<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5427 ss375\"><div><div class=\"ps281 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5428 ss375\"><div><div class=\"ps281 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5429 ss375\"><div><div class=\"ps281 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5430 ss375\"><div><div class=\"ps281 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">249<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5431 ss375\"><div><div class=\"ps281 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5433 ss375\"><div><div class=\"ps281 ss173\"><span class=\"f charStyle-cc1eb9a4 ps5432\">-200<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5434 ss375\"><div><div class=\"ps281 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5436 ss51\"><div><div class=\"ps281 ss44\"><span class=\"f charStyle-71900c34 ps5435\">685<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5437 ss376\"><div><div class=\"ps40 ss367\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss367\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1114 ss377\"><div><div class=\"ps291 ss367\"><span class=\"f charStyle-37455c2a ps621\">Leasingverbindlichkeit<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5438 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3221\">172<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5439 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3212\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5440 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5441 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5442 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5443 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3206\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5445 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps5444\">-29<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5446 ss177\"><div><div class=\"ps291 ss173\"><span class=\"f charStyle-cc1eb9a4 ps3210\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5447 ss378\"><div><div class=\"ps291 ss44\"><span class=\"f charStyle-71900c34 ps5435\">162<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:85.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:45pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:45pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"19\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:75.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss380\"><div><div class=\"ps2023 ss379\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5450 ss370\"><div><div class=\"ps2037 ss44\"><span class=\"f charStyle-37455c2a ps5449\">01.01.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5454 ss370\"><div><div class=\"ps2031 ss44\"><span class=\"f charStyle-37455c2a ps5451\">\u00c4nderung <span class=\"f ps37\"> </span></span></div><div class=\"ps2033 ss44\"><span class=\"f charStyle-37455c2a ps2034\">Konsoli-</span></div><div class=\"ps2035 ss44\"><span class=\"f charStyle-37455c2a ps5452\">dierungs-</span></div><div class=\"ps2037 ss44\"><span class=\"f charStyle-37455c2a ps5453\">kreis</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5460 ss370\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-37455c2a ps621\">Zeitwert-<span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss44\"><span class=\"f charStyle-37455c2a ps2459\">anpassung </span></div><div class=\"ps2029 ss44\"><span class=\"f charStyle-37455c2a ps5455\">des </span></div><div class=\"ps2031 ss44\"><span class=\"f charStyle-37455c2a ps5456\">Grundge-</span></div><div class=\"ps2033 ss44\"><span class=\"f charStyle-37455c2a ps5457\">sch\u00e4fts aus </span></div><div class=\"ps2035 ss44\"><span class=\"f charStyle-37455c2a ps5458\">Fair-Value-</span></div><div class=\"ps2037 ss44\"><span class=\"f charStyle-37455c2a ps5459\">Hedges</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5466 ss370\"><div><div class=\"ps40 ss44\"><span class=\"f charStyle-30af65c7 ps4361\">Bewertungs<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss44\"><span class=\"f charStyle-30af65c7 ps5461\">effekte von </span></div><div class=\"ps2027 ss44\"><span class=\"f charStyle-30af65c7 ps5462\">zum </span></div><div class=\"ps2029 ss44\"><span class=\"f charStyle-30af65c7 ps5463\">Zeitwert </span></div><div class=\"ps2031 ss44\"><span class=\"f charStyle-30af65c7 ps5464\">bilanzierten </span></div><div class=\"ps2033 ss44\"><span class=\"f charStyle-30af65c7 ps4866\">finanziellen </span></div><div class=\"ps2035 ss44\"><span class=\"f charStyle-30af65c7 ps1336\">Verbindlich-</span></div><div class=\"ps2037 ss44\"><span class=\"f charStyle-30af65c7 ps5465\">keiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5469 ss370\"><div><div class=\"ps2035 ss44\"><span class=\"f charStyle-37455c2a ps5467\">Neu-<span class=\"f ps37\"> </span></span></div><div class=\"ps2037 ss44\"><span class=\"f charStyle-37455c2a ps5468\">emissionen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5471 ss370\"><div><div class=\"ps2037 ss44\"><span class=\"f charStyle-37455c2a ps5470\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5478 ss370\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-37455c2a ps5472\">R\u00fcckkauf, <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss44\"><span class=\"f charStyle-37455c2a ps5473\">Tilgung </span></div><div class=\"ps2029 ss44\"><span class=\"f charStyle-37455c2a ps5474\">bzw. </span></div><div class=\"ps2031 ss44\"><span class=\"f charStyle-37455c2a ps4632\">zahlungs-</span></div><div class=\"ps2033 ss44\"><span class=\"f charStyle-37455c2a ps5475\">wirksame </span></div><div class=\"ps2035 ss44\"><span class=\"f charStyle-37455c2a ps5476\">Ver\u00e4n-</span></div><div class=\"ps2037 ss44\"><span class=\"f charStyle-37455c2a ps5477\">derung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5480 ss370\"><div><div class=\"ps2037 ss44\"><span class=\"f charStyle-37455c2a ps5479\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5403 ss370\"><div><div class=\"ps2037 ss44\"><span class=\"f charStyle-37455c2a ps5449\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:48.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2065 ss381\"><div><div class=\"ps40 ss379\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss379\"><span class=\"f charStyle-7ff22fcd ps36\">beizulegenden </span></div><div class=\"ps2027 ss379\"><span class=\"f charStyle-7ff22fcd ps36\">Zeitwert bewertete </span></div><div class=\"ps2029 ss379\"><span class=\"f charStyle-7ff22fcd ps36\">finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss379\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps636 ss382\"><div><div class=\"ps40 ss379\"><span class=\"f charStyle-37455c2a ps36\">Nachrang- und <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss379\"><span class=\"f charStyle-37455c2a ps36\">Erg\u00e4nzungskapital</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5481 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5424\">29<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5483 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5482\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5484 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5482\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5486 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5485\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5487 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5482\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5488 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5482\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5490 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5489\">-15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5491 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5482\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5492 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5424\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1722 ss384\"><div><div class=\"ps40 ss379\"><span class=\"f charStyle-7ff22fcd ps36\">Finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss379\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten zu </span></div><div class=\"ps2027 ss379\"><span class=\"f charStyle-7ff22fcd ps36\">fortgef\u00fchrten </span></div><div class=\"ps2029 ss379\"><span class=\"f charStyle-7ff22fcd ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps756 ss382\"><div><div class=\"ps40 ss379\"><span class=\"f charStyle-37455c2a ps36\">Nachrang- und <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss379\"><span class=\"f charStyle-37455c2a ps36\">Erg\u00e4nzungskapital</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5493 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5435\">693<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5494 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5482\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5495 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5482\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5496 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5482\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5497 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5482\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5498 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5482\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5499 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5489\">-89<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5500 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5424\">27<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5501 ss383\"><div><div class=\"ps1717 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5435\">631<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5502 ss382\"><div><div class=\"ps40 ss379\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss379\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2281 ss385\"><div><div class=\"ps291 ss379\"><span class=\"f charStyle-37455c2a ps36\">Leasingverbindlichkeit<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5503 ss378\"><div><div class=\"ps291 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5435\">181<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5504 ss378\"><div><div class=\"ps291 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5485\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5505 ss378\"><div><div class=\"ps291 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5482\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5506 ss378\"><div><div class=\"ps291 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5482\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5507 ss378\"><div><div class=\"ps291 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5482\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5508 ss378\"><div><div class=\"ps291 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5482\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5509 ss378\"><div><div class=\"ps291 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5489\">-29<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5510 ss378\"><div><div class=\"ps291 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5424\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5511 ss378\"><div><div class=\"ps291 ss44\"><span class=\"f charStyle-cc1eb9a4 ps5435\">172<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5512 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bez\u00fcglich der Ver\u00e4nderungen im Eigenkapital aus</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps5513 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Dividendenzahlungen siehe die Angabe zur Entwicklung des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:57.21pt\">Eigenkapitals.</span></div><div class=\"ps5517 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps5515\">33 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps5516\">Cashflow aus dem Verkauf von </span></div><div class=\"ps5518 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2799\">\u00a0 \u00a0 \u00a0 Tochterunternehmen </span></div><div class=\"ps5519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Im Gesch\u00e4ftsjahr 2024 hat die BAWAG nach Erhalt aller</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps5520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aufsichtsrechtlichen Genehmigungen ihre Anteile an der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">start:bausparkasse AG in Deutschland verkauft. Das Ergebnis</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps5522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">aus dem Verkauf wird in der Zeile \u201eGewinne und Verluste aus</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps5523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">finanziellen Verm\u00f6genswerten und Schulden\u201c ausgewiesen. Im</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps5524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Gesch\u00e4ftsjahr 2025 gab es keine Verk\u00e4ufe von</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:91.78pt\">Tochterunternehmen.</span></div><div class=\"ps5531 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:204.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss387\"><div><div class=\"ps277 ss386\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-7ff22fcd ps36\">Verkaufserl\u00f6s<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-7ff22fcd ps36\">Ver\u00e4u\u00dferte Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">475<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">460<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps621\">Sonstige Verm\u00f6gensgegenst\u00e4nde<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-7ff22fcd ps36\">Ver\u00e4u\u00dferte Schulden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps622\">436<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps621\">Finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">432<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps621\">Sonstige Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4330 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps36\">Ver\u00e4u\u00dfertes Reinverm\u00f6gen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4332 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">39<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss387\"><div><div class=\"ps624 ss386\"><span class=\"f charStyle-e830f798 ps36\">Aufl\u00f6sung der im Jahresabschluss zum 31. Dezember 2023 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss386\"><span class=\"f charStyle-e830f798 ps36\">erfassten Abgrenzung f\u00fcr erwartete Verluste aus dem Verkauf</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5526 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps641 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-7ff22fcd ps36\">Ergebnis aus dem Verkauf<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5527 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps647 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-7ff22fcd ps36\">Verkaufserl\u00f6s<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5528 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps654 ss389\"><div><div class=\"ps40 ss386\"><span class=\"f charStyle-37455c2a ps36\">In den ver\u00e4u\u00dferten Verm\u00f6genswerten enthaltene <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss386\"><span class=\"f charStyle-37455c2a ps36\">Zahlungsmittel</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5529 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1729 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-7ff22fcd ps36\">Erl\u00f6se aus dem Verkauf<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5530 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCashFlowStatementExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-763": {
   "value": "<span class=\"f charStyle-b1e544a7 ps5532\">air Value</span><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die folgenden Tabellen zeigen einen Vergleich der Buchwerte</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">und Fair Values (beizulegende Zeitwerte) der einzelnen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:55.96pt\">Bilanzposten:</span></div><div class=\"ps4242 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss390\"><div><div class=\"ps1792 ss261\"><span class=\"f charStyle-c5fdbd46 ps4005\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps2044 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-584de24a ps3604\">Buchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-584de24a ps5533\">Fair Value<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-584de24a ps5534\">Delta Fair <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps5535\">Value/</span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-584de24a ps3604\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps5536\">Buchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps5537\">Fair Value<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps5538\">Delta Fair <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5539\">Value/</span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps5536\">Buchwert</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3820 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5540 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5211 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5212 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5213 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5214 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5215 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2885 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5541 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-d6657fd6 ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5542 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Barreserve<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5543 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">14.093<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5544 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">14.093<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5545 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5546 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.604<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5547 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.604<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5548 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5549 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam freiwillig zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">bewertete finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5550 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5551 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5552 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5553 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5554 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5555 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2807 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5556 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5557 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5558 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5559 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2808 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2809 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2810 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam verpflichtend zum beizulegenden <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">Zeitwert bewertete finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5560 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5561 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5562 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5563 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">579<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2811 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">579<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2812 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5164 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5564 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5165 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5166 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5167 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">335<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5168 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">335<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5169 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4291 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5565 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5566 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5567 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5568 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">162<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5569 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">162<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5570 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5571 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Unternehmen mit Beteiligungsverh\u00e4ltnis und andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Eigenkapitalinstrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5572 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">110<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5573 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">110<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5574 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5575 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">82<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5576 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">82<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5577 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1726 ss283\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Im sonstigen Ergebnis ausgewiesene zum <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss261\"><span class=\"f charStyle-37455c2a ps36\">beizulegenden Zeitwert bewertete finanzielle </span></div><div class=\"ps2567 ss261\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4454 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.322<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4455 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.322<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4456 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4457 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.913<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1727 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.913<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1728 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5578 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5579 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps513 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps514 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Unternehmen mit Beteiligungsverh\u00e4ltnis und andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Eigenkapitalinstrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5580 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5581 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5582 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1760 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">144<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1761 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">144<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps912 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5583 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5584 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5585 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5586 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">316<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5587 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">316<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4137 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5588 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">54.814<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5589 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">54.335<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5590 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps623\">-479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5591 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">49.407<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5592 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">48.817<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4143 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-590<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4144 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5593 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5594 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">50.280<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5595 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps623\">-469<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5596 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">45.496<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5597 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">44.942<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-554<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4151 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kreditinstitute<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5598 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5599 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">448<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5600 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps668\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5601 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">830<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5602 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">826<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4157 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5603 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5604 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.613<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5605 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.607<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5606 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5607 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.081<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5608 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.049<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5609 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-32<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5610 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsanpassungen f\u00fcr gegen Zinsrisiken <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">abgesicherte Portfolien</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5611 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps623\">-616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5612 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps623\">-616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5613 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5614 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-218<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5615 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-218<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5616 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1709 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5617 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">358<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5618 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">358<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5619 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5620 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">331<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">331<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1712 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Sachanlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5621 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">300<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5623 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5624 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5625 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">254<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1714 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5626 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Vermietete Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5627 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">232<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5628 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">232<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5629 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5630 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5631 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5632 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5633 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5634 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">535<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5635 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5636 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5637 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">532<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5638 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5639 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5640 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5641 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">514<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5642 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5643 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5644 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">523<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5645 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5646 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5647 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Zur Ver\u00e4u\u00dferung gehaltene langfristige <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5648 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">119<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5649 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5650 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5651 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5652 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5653 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5654 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">72.297<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">71.341<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss390\"><div><div class=\"ps5657 ss261\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps2044 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-584de24a ps3604\">Buchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-584de24a ps5533\">Fair Value<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-584de24a ps5534\">Delta Fair <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps5535\">Value/</span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-584de24a ps3604\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps5536\">Buchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps5537\">Fair Value<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps5538\">Delta Fair <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5539\">Value/</span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps5536\">Buchwert</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3820 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5540 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5211 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5212 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5213 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5214 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5215 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2885 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Passiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5542 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5543 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5544 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5545 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5546 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5547 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5548 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2804 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen und andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">verbriefte Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5658 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">41<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5659 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">41<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5660 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5661 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">86<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2805 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">86<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2806 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3732 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4433 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4434 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4435 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4436 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4437 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4438 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3849 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5159 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5160 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5161 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5162 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5163 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5164 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5564 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps619\">65.707<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5165 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps619\">65.511<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5166 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps623\">-196<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5167 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">64.608<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5168 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">64.354<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5169 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-254<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1722 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">812<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">819<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4448 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.269<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3640 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1723 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">47.366<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4453 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">46.153<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-17<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1726 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4454 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps619\">17.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4455 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps619\">17.326<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4456 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps623\">-202<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4457 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.174<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1727 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.932<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1728 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-242<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1110 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsanpassungen f\u00fcr gegen Zinsrisiken <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">abgesicherte Portfolien</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5663 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps623\">-299<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5664 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps623\">-299<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5665 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1111 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1112 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1113 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3745 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5190 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5191 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5192 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">291<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5193 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">291<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5194 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5195 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">251<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">285<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5671 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5196 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.197<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5199 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.090<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5200 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5201 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2368 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Eigenkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">4.836<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5202 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5203 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5204 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.733<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2371 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Nicht beherrschende Anteile<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5205 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5206 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5207 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2372 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2373 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2374 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Passiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">72.297<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #990000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5677 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">71.341<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps5679 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Der beizulegende Zeitwert von wesentlichen vermieteten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5680 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Grundst\u00fccken und Geb\u00e4uden basiert auf externen und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps5681 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">internen Bewertungen. Bei den sonstigen Verm\u00f6genswerten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5682 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und Verbindlichkeiten stellt der Buchwert einen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2872 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">angemessenen N\u00e4herungswert f\u00fcr den beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5683 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">dar. Auf eine Angabe zum beizulegenden Zeitwert wurde</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps5685 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:70.54pt\">daher verzichtet.</span><span class=\"f charStyle-34546584 ps5684\" style=\"width:2.36pt\"> </span></div><div class=\"ps5686 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Zur Bestimmung des Fair Value von Verm\u00f6genswerten und</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps5687 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verbindlichkeiten werden markt\u00fcbliche Bewertungsmethoden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps5688 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">verwendet. In Bezug auf Level-3-Aktiva und -Passiva, f\u00fcr die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps5689 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:240.12pt\">nicht beobachtbare Bewertungsparameter zur Bewertung</span></div><div class=\"ps5690 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">verwendet werden, f\u00fchrt das aktuelle makro\u00f6konomische</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps5691 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Umfeld zu einer erh\u00f6hten Unsicherheit in Bezug auf die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps5692 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:174.57pt\">Messung des Fair Value dieser Positionen.</span></div><div class=\"ps5693 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Buchwertanpassungen von Grundgesch\u00e4ften in einem</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps5694 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Portfolio-Fair-Value-Hedge werden gem\u00e4\u00df IFRS 9 in einem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps5695 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">eigenen Bilanzposten (Bewertungsanpassungen f\u00fcr gegen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps5696 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zinsrisiken abgesicherte Portfolien) dargestellt. Um einen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps5697 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">direkten Vergleich mit den Bilanzposten zu erm\u00f6glichen,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps5698 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">werden Fair-Value-\u00c4nderungen, die sich auf das hier</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps5699 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">abgesicherte Zinsrisiko beziehen, ebenfalls in einer eigenen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps5701 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:66.49pt\">Zeile dargestellt</span><span class=\"f charStyle-34546584 ps5700\" style=\"width:2.62pt\">.</span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Fair-Value-Hierarchie<span class=\"f ps37\"> </span></span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die folgende Tabelle zeigt eine Analyse der Fair Values der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">bilanzierten Finanzinstrumente und der vermieteten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">Grundst\u00fccke und Geb\u00e4ude auf Basis der im IFRS 13 definierten</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Fair-Value-Hierarchie. Die Aufgliederung umfasst die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:83.48pt\">folgenden Gruppen:</span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-1688cd52 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-81af04f8 ps956\" style=\"width:36.5pt\">Level 1:</span><span class=\"f charStyle-34546584 ps5702\" style=\"width:211.35pt\"> Finanzinstrumente werden unter Verwendung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">eines \u00f6ffentlich zug\u00e4nglichen Kurses ohne jegliche</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Kursmodifikation bewertet. Hierunter fallen Staatsanleihen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">und Schuldverschreibungen mit einem \u00f6ffentlich</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:219.29pt\">zug\u00e4nglichen Kurs sowie b\u00f6rsengehandelte Derivate.</span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-1688cd52 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-81af04f8 ps956\" style=\"width:35.63pt\">Level 2:</span><span class=\"f charStyle-34546584 ps5703\" style=\"width:212.24pt\"> Falls keine aktuellen, liquiden Marktwerte zur</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Verf\u00fcgung stehen, werden anerkannte und markt\u00fcbliche</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">\u201eState of the Art\u201c-Bewertungsmethoden angewendet. Dies</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">gilt f\u00fcr die Kategorie \u201eVerbriefte Verbindlichkeiten (eigene</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Emissionen)\u201c und vereinzelt f\u00fcr das Sonstige</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Finanzumlaufverm\u00f6gen im Nostroportfolio; bei \u201ePlain</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Vanilla\u201c-Wertpapieren erfolgt die Bewertung \u00fcber die</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Zinskurve unter Ber\u00fccksichtigung des aktuellen Credit</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Spreads. Die Bewertung basiert auf Inputfaktoren</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">(Ausfallsquoten, Kosten, Liquidit\u00e4t, Volatilit\u00e4t, Zinss\u00e4tze</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">etc.), die aus beobachtbaren Marktpreisen (Level 1)</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">abgeleitet sind. Das betrifft Kurse, die mittels eines</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">internen Modells bzw. anhand von Bewertungsverfahren</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">errechnet werden, sowie externe Quotierungen von</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">Wertpapieren, die auf M\u00e4rkten mit eingeschr\u00e4nkter</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Liquidit\u00e4t handeln, die nachweislich auf beobachtbaren</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:96.11pt\">Marktpreisen beruhen.</span><span class=\"f charStyle-34546584 ps5704\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Diese Kategorie beinhaltet die Mehrzahl der OTC-</span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Derivatkontrakte, Unternehmensanleihen und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Schuldverschreibungen, bei denen kein \u00f6ffentlich zug\u00e4nglicher</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Kurs vorliegt, sowie einen Gro\u00dfteil der emittierten, zum Fair</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:189.03pt\">Value klassifizierten Schuldtitel des Konzerns.</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zur Bewertung von zum Fair Value bewerteten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kundenforderungen kommen markt\u00fcbliche</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bewertungsmodelle zum Einsatz, z.B. Discounted-Cashflow-</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und Standardoptionspreismodelle. Marktparameter wie</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zinss\u00e4tze, Wechselkurse oder Volatilit\u00e4ten werden als Input</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">f\u00fcr das Bewertungsmodell zur Ermittlung des beizulegenden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zeitwerts verwendet. Die zur Bestimmung des reinen Zeitwerts</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">verwendeten Diskontierungskurven enthalten nur</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Instrumente, die kein oder nur ein geringes Ausfallrisiko, wie</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zum Beispiel Swaps\u00e4tze, aufweisen. Spread-Kurven, die die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Refinanzierungskosten des zugrunde liegenden Schuldners</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">widerspiegeln, werden entweder von ausstehenden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Refinanzierungsinstrumenten, unterschieden nach Seniorit\u00e4t</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">(besicherte, unbesicherte oder nachrangige Refinanzierungen),</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:218.35pt\">oder Benchmark-Zinskurven (z.B. Indizes) abgeleitet.</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bei linearen, derivativen Finanzinstrumenten, die keine</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">optionalen Komponenten beinhalten (wie z.B. Interest-Rate-</span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Swaps, Devisentermingesch\u00e4fte), wird ebenso die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Barwertmethode angewandt (Abzinsung zuk\u00fcnftiger Cashflows</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">mit der entsprechenden Swapkurve, wobei bei Derivaten, mit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">deren Counterparty ein Credit Support Annex (CSA) besteht,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">die entsprechende RFR-Swapkurve [Risk Free Rate wie z.B.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:141.35pt\">\u20acSTR] Basis der Diskontierung ist).</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">F\u00fcr optionale Instrumente werden markt\u00fcbliche</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Optionspreismodelle wie Black Scholes (Swaptions, Caps,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Floors), Bachelier (Caps, Floors und Swaptions in W\u00e4hrungen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">mit negativen Zinsen), Garman-Kohlhagen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">(W\u00e4hrungsoptionen) sowie das Hull-White-Modell (Swaps mit</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">mehrfachen K\u00fcndigungsrechten) verwendet, die in den Front-</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Office-Systemen konsistent implementiert und angewandt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:34.28pt\">werden.</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die den Modellen zugrunde liegenden Parameter (Zinskurven,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Volatilit\u00e4ten, FX-Kurse) werden unabh\u00e4ngig von den Treasury-</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Abteilungen vom Bereich Marktrisiko in die Front-Office-</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Systeme \u00fcbertragen, wodurch eine Trennung von Markt und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:118.48pt\">Marktfolge sichergestellt ist.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bei komplexeren Derivaten, die zu Hedge-Zwecken</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">abgeschlossen wurden und back to back geschlossen sind,</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">wird auf eine externe Bewertung zur\u00fcckgegriffen, die vom</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Bereich Marktrisiko eingeholt und zur korrekten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:217.01pt\">Weiterverarbeitung in die Systeme \u00fcbertragen wird.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zur Evaluierung der Spreads der Erfolgswirksam zum</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">beizulegenden Zeitwert gewidmeten eigenen Emissionen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">werden markt\u00fcbliche Anbieter wie Bloomberg und Markit</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">herangezogen. Auf Basis der Termstructure der A-Europe-</span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Financial-Sektorkurve sowie der Quotes der internationalen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">BAWAG-P.S.K.-Emissionen werden eine Senior-unsecured-</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">sowie eine LT2-Spreadkurve ermittelt. F\u00fcr fundierte</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Bankschuldverschreibungen wird die Spreadkurve direkt aus</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">den Quotes mehrerer BAWAG-P.S.K.-Benchmark-Anleihen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">ermittelt. Die Wertpapierkurse der BAWAG-P.S.K.-Emissionen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">errechnen sich dann durch Diskontierung der um den Spread</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:99.22pt\">adaptierten Swapkurve.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Zum 31. Dezember 2025 betrug der Anteil der Fair-Value-</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">\u00c4nderung der eigenen Emissionen des BAWAG-Konzerns, der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">sich nur aufgrund von Bonit\u00e4tsver\u00e4nderungen ergeben hat,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">-1,1\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: -1,8\u00a0Mio.\u00a0\u20ac). Diese ist</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">definiert als das Produkt des Creditspreadbasispunktwertes</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">mit der jeweiligen Spreadver\u00e4nderung, erg\u00e4nzt um den Pull-</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">to-Par-Effekt. Zum 31. Dezember 2025 betrug die kumulierte</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Fair-Value-\u00c4nderung, die auf Bonit\u00e4tsver\u00e4nderungen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">zur\u00fcckzuf\u00fchren ist, 0,0\u00a0Mio.\u00a0\u20ac (31. Dezember 2024:</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:52.64pt\">+1,1\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Bei einer Verengung des Credit Spreads um einen Basispunkt</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">w\u00fcrde sich eine Bewertungsver\u00e4nderung von -0,02\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:181.61pt\">(31.\u00a0Dezember 2024: -0,02\u00a0Mio.\u00a0\u20ac) ergeben.</span><span class=\"f charStyle-34546584 ps5705\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Der Anteil der kumulierten Fair-Value-\u00c4nderung von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">erfolgswirksam zum beizulegenden Zeitwert bewerteten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Forderungen, der sich nur aufgrund von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bonit\u00e4tsver\u00e4nderungen ergeben hat, betrug zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">31.\u00a0Dezember 2025 0,1\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: 0,2\u00a0Mio.\u00a0\u20ac)</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">und wird als \u00c4nderung des Spreads zwischen AT-Bund-Kurve</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und \u20ac-Swapkurve in der beobachteten Periode definiert. Der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Anteil der entsprechenden j\u00e4hrlichen Fair-Value-\u00c4nderung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:213.74pt\">betr\u00e4gt 0,0\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: 0,0\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Bei einer Verengung des Credit Spreads um einen Basispunkt</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">w\u00fcrde sich eine Bewertungsver\u00e4nderung von +0,02\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:183.53pt\">ergeben (31. Dezember 2024: +0,02\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-1688cd52 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-81af04f8 ps956\" style=\"width:34.23pt\">Level 3:</span><span class=\"f charStyle-81af04f8 ps5706\" style=\"width:4.26pt\"> </span><span class=\"f charStyle-34546584 ps5707\" style=\"width:209.39pt\">Im Rahmen der Bewertung werden nicht extern</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">beobachtbare Inputfaktoren verwendet, die einen</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">wesentlichen Einfluss auf die H\u00f6he des Marktwerts haben.</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">Dies betrifft vorwiegend illiquide Fonds sowie Emissionen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">der BAWAG P.S.K. Wohnbaubank. Kredite und Forderungen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">und finanzielle Verbindlichkeiten zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Anschaffungskosten werden mittels Discounted-Cashflow-</span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">Methode mit einer um den Credit Spread angepassten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Swapkurve bewertet. Au\u00dferdem betrifft dies auch die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">Anteile an nicht konsolidierten Beteiligungen, die entweder</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">erfolgswirksam verpflichtend zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">oder im sonstigen Ergebnis zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">bewertet werden, und Kundenverbindlichkeiten, die</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">erfolgswirksam zum beizulegenden Zeitwert bewertet</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:34.28pt\">werden.</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Der beizulegende Zeitwert von wesentlichen vermieteten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Grundst\u00fccken und Geb\u00e4uden basiert auf externen und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:96.43pt\">internen Bewertungen.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">F\u00fcr die Bestimmung des Credit Value Adjustment (CVA) f\u00fcr</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bonit\u00e4tsrisiken von OTC-Derivaten werden Nettingeffekte auf</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kundenebene innerhalb von Gesch\u00e4ften selben Typs und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:129.57pt\">selber W\u00e4hrung ber\u00fccksichtigt.</span><span class=\"f charStyle-34546584 ps5708\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5709\">Level 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5709\">Level 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5709\">Level 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps4220\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-b27625d4 ps5710\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-b27625d4 ps5710\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-b27625d4 ps5710\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps300 ss27\"><div><div class=\"ps624 ss26\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam freiwillig zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss26\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps302 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps303 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps304 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps305 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps624 ss26\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss26\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4018 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2761 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">479<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss27\"><div><div class=\"ps624 ss26\"><span class=\"f charStyle-37455c2a ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss26\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5711 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">986<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5078 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">289<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2251 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2252 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.322<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1831 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">986<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">289<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5714 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5715 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1839 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">Unternehmen mit Beteiligungsverh\u00e4ltnis und andere Eigenkapitalinstrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4223 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4224 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2767 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4227 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2260 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2261 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps884 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4231 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">644<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4232 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.542<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4233 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">50.149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4234 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">54.335<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1094 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsanpassungen f\u00fcr gegen Zinsrisiken abgesicherte Portfolien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4237 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps623\">-616<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4240 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">358<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">358<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1102 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Vermietete Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5716 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1104 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">232<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1105 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">232<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3251 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5717 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.630<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.720<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">50.907<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5720 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">56.257<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3742 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Passiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3907 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5722 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3908 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3909 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3910 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen und andere verbriefte Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5723 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">41<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3911 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3912 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">41<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3913 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5726 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3914 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3915 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps777 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps778 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps779 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps780 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps781 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3916 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.375<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.215<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5729 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">48.921<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">65.511<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5731 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsanpassungen f\u00fcr gegen Zinsrisiken abgesicherte Portfolien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5732 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5733 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-299<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5735 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps623\">-299<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5736 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5738 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5739 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">91<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5741 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5742 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5743 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">15.512<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5744 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">48.921<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5745 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">65.808<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5747 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5709\">Level 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5709\">Level 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5709\">Level 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4243\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-b27625d4 ps5710\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-b27625d4 ps5710\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-b27625d4 ps5710\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-b27625d4 ps5710\">\u00a0</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps300 ss27\"><div><div class=\"ps624 ss26\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam freiwillig zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss26\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps302 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps303 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps304 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps305 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps624 ss26\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss26\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4018 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4019 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2760 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">577<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2761 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">579<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2248 ss27\"><div><div class=\"ps624 ss26\"><span class=\"f charStyle-37455c2a ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss26\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5711 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.384<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5078 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">413<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2251 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">116<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2252 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.913<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1831 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.375<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">394<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5714 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5715 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1839 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">Unternehmen mit Beteiligungsverh\u00e4ltnis und andere Eigenkapitalinstrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4223 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4224 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">116<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2767 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">144<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1847 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4227 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4228 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">316<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2260 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2261 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">316<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps884 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4231 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">876<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4232 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.369<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4233 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">44.572<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4234 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">48.817<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1094 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsanpassungen f\u00fcr gegen Zinsrisiken abgesicherte Portfolien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4237 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-218<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-218<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1098 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4240 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">331<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">331<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1102 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Vermietete Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5716 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1104 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1105 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">50<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3251 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5717 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.262<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.256<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">45.315<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5720 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">51.833<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3742 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Passiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3907 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5722 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3908 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3909 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3910 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen und andere verbriefte Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5723 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">82<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3911 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3912 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">86<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3913 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5726 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3914 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3915 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps777 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps778 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps779 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps780 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps781 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3916 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">968<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">18.542<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5729 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">44.844<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">64.354<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5731 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsanpassungen f\u00fcr gegen Zinsrisiken abgesicherte Portfolien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5732 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5733 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5735 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-220<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5736 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5738 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">291<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5739 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">291<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5741 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5742 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5743 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">19.163<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5744 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">44.848<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5745 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">64.979<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die BAWAG erfasst Transfers zwischen den einzelnen Levels</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">mit Ende der Berichtsperiode, in der die Transfers statt-</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:70.48pt\">gefunden haben.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Bewegungen zwischen Level 1 und Level 2</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Im Jahr 2025 wurden aufgrund von nachtr\u00e4glich entstandenen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">illiquiden Kursen im sonstigen Ergebnis ausgewiesene zum</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beizulegenden Zeitwert bewertete Wertpapiere mit einem</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Buchwert von 30\u00a0Mio.\u00a0\u20ac (2024: 10\u00a0Mio.\u00a0\u20ac) von Level 1 in</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Level\u00a02 umgegliedert. Im sonstigen Ergebnis ausgewiesene</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zum beizulegenden Zeitwert bewertete Wertpapiere mit</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">einem Buchwert von 46\u00a0Mio.\u00a0\u20ac (2024: 0\u00a0Mio.\u00a0\u20ac) wurden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">aufgrund eines liquideren Marktes von Level 2 auf Level 1</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:58.01pt\">umgegliedert.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Bewegungen nach und aus Level 3</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Die dem Level 3 zugeordneten, zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">bilanzierten Finanzinstrumente haben sich wie folgt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:46.12pt\">entwickelt:</span></div><div class=\"ps5833 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"padding:0\"><div class=\"ps278 ss391\"><div><div class=\"ps2029 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3309 ss203\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3312 ss203\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps3132 ss393\"><div><div class=\"ps40 ss392\"><span class=\"f charStyle-37455c2a ps5748\">Im sonstigen Ergebnis ausgewiesene <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss392\"><span class=\"f charStyle-37455c2a ps5749\">zum beizulegenden Zeitwert </span></div><div class=\"ps2027 ss392\"><span class=\"f charStyle-37455c2a ps5750\">bewertete finanzielle </span></div><div class=\"ps2029 ss392\"><span class=\"f charStyle-37455c2a ps5751\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3028 ss203\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:75.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps854 ss394\"><div><div class=\"ps2023 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5758 ss395\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-7fa92c59 ps5752\">Erfolgswirksam <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-7fa92c59 ps5753\">verpflichtend zum </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-7fa92c59 ps5754\">beizulegenden </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-7fa92c59 ps5755\">Zeitwert </span></div><div class=\"ps2033 ss151\"><span class=\"f charStyle-7fa92c59 ps5756\">bewertete </span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-7fa92c59 ps5757\">finanzielle </span></div><div class=\"ps2037 ss151\"><span class=\"f charStyle-7fa92c59 ps3874\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5765 ss395\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps5759\">Erfolgswirksam <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps5760\">zum </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3387\">beizulegenden </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps5761\">Zeitwert </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps5762\">bewertete </span></div><div class=\"ps2033 ss151\"><span class=\"f charStyle-37455c2a ps5763\">finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-37455c2a ps4727\">Verm\u00f6gens-</span></div><div class=\"ps2037 ss151\"><span class=\"f charStyle-37455c2a ps5764\">werte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5766 ss395\"><div><div class=\"ps2037 ss151\"><span class=\"f charStyle-37455c2a ps4616\">Schuldtitel<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5773 ss395\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps5767\">Unternehmen <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps5768\">mit </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps5769\">Beteiligungs-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps5770\">verh\u00e4ltnis und </span></div><div class=\"ps2033 ss151\"><span class=\"f charStyle-37455c2a ps5771\">andere </span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-37455c2a ps5772\">Eigenkapital-<span class=\"f ps37\"> </span></span></div><div class=\"ps2037 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5776 ss395\"><div><div class=\"ps2035 ss151\"><span class=\"f charStyle-d8d10933 ps5774\">Finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps2037 ss151\"><span class=\"f charStyle-d8d10933 ps5775\">Verbindlichkeiten</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5415 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Stand 01.01.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5777 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">577<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5778 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5779 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5780 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">116<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5781 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps106 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsgewinne (Verluste) im Konzern\u00fcberschuss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5782 ss396\"><div><div class=\"ps624 ss183\"><span class=\"f charStyle-37455c2a ps621\">von Verm\u00f6genswerten, die zum Ende der Periode <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss183\"><span class=\"f charStyle-37455c2a ps621\">gehalten werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5783 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5784 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5785 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5786 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5787 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3598 ss396\"><div><div class=\"ps624 ss183\"><span class=\"f charStyle-37455c2a ps621\">von Verm\u00f6genswerten, die zum Ende der Periode <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss183\"><span class=\"f charStyle-37455c2a ps621\">nicht mehr gehalten werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5788 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5789 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5790 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5791 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5792 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps901 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsgewinne/-verluste im Sonstigen Ergebnis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1891 ss396\"><div><div class=\"ps624 ss183\"><span class=\"f charStyle-37455c2a ps621\">von Verm\u00f6genswerten, die zum Ende der Periode <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss183\"><span class=\"f charStyle-37455c2a ps621\">gehalten werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5793 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5794 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5795 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5796 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5797 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps525 ss396\"><div><div class=\"ps624 ss183\"><span class=\"f charStyle-37455c2a ps621\">von Verm\u00f6genswerten, die zum Ende der Periode <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss183\"><span class=\"f charStyle-37455c2a ps621\">nicht mehr gehalten werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5798 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5799 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5800 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5801 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5802 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">K\u00e4ufe/Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5803 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5804 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5805 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5806 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5807 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Tilgungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5808 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-114<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5809 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5810 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5811 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5812 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4144 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Verk\u00e4ufe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5813 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5814 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5815 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5816 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5817 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsumrechnung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5818 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5819 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5820 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5821 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5822 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5603 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderung Konsolidierungskreis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5823 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5824 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5825 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5826 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-64<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5827 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5610 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Stand 31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5828 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5829 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5830 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5831 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5832 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"padding:0\"><div class=\"ps278 ss391\"><div><div class=\"ps2029 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3309 ss203\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3312 ss203\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps3132 ss393\"><div><div class=\"ps40 ss392\"><span class=\"f charStyle-37455c2a ps5748\">Im sonstigen Ergebnis ausgewiesene <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss392\"><span class=\"f charStyle-37455c2a ps5749\">zum beizulegenden Zeitwert </span></div><div class=\"ps2027 ss392\"><span class=\"f charStyle-37455c2a ps5750\">bewertete finanzielle </span></div><div class=\"ps2029 ss392\"><span class=\"f charStyle-37455c2a ps5751\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3028 ss203\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:66.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps854 ss397\"><div><div class=\"ps4555 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5758 ss398\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-d8d10933 ps5834\">Erfolgswirksam <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-d8d10933 ps5835\">verpflichtend zum </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-d8d10933 ps5836\">beizulegenden </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-d8d10933 ps5837\">Zeitwert </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-d8d10933 ps5838\">bewertete </span></div><div class=\"ps2033 ss151\"><span class=\"f charStyle-d8d10933 ps5839\">finanzielle </span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-d8d10933 ps5840\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5765 ss398\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-d8d10933 ps5834\">Erfolgswirksam <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-d8d10933 ps5841\">zum </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-d8d10933 ps5836\">beizulegenden </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-d8d10933 ps5837\">Zeitwert </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-d8d10933 ps5838\">bewertete </span></div><div class=\"ps2033 ss151\"><span class=\"f charStyle-d8d10933 ps5839\">finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-d8d10933 ps5840\">Verm\u00f6genswerte </span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5766 ss398\"><div><div class=\"ps2035 ss151\"><span class=\"f charStyle-37455c2a ps4616\">Schuldtitel<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5773 ss398\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps5767\">Unternehmen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps5768\">mit </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps5769\">Beteiligungs-</span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps5770\">verh\u00e4ltnis und </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps5771\">andere </span></div><div class=\"ps2033 ss151\"><span class=\"f charStyle-37455c2a ps5772\">Eigenkapital-<span class=\"f ps37\"> </span></span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5776 ss398\"><div><div class=\"ps2033 ss151\"><span class=\"f charStyle-d8d10933 ps5774\">Finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-d8d10933 ps5775\">Verbindlichkeiten</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3230 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Stand 01.01.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5842 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">514<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5843 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5844 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5845 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">115<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5846 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">24<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5339 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsgewinne (Verluste) im Konzern\u00fcberschuss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2356 ss396\"><div><div class=\"ps624 ss183\"><span class=\"f charStyle-37455c2a ps621\">von Verm\u00f6genswerten, die zum Ende der Periode <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss183\"><span class=\"f charStyle-37455c2a ps621\">gehalten werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5847 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5848 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5849 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5850 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5851 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2359 ss396\"><div><div class=\"ps624 ss183\"><span class=\"f charStyle-37455c2a ps621\">von Verm\u00f6genswerten, die zum Ende der Periode <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss183\"><span class=\"f charStyle-37455c2a ps621\">nicht mehr gehalten werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3577 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3578 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3579 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3580 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3581 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4786 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsgewinne/-verluste im Sonstigen Ergebnis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4962 ss396\"><div><div class=\"ps624 ss183\"><span class=\"f charStyle-37455c2a ps621\">von Verm\u00f6genswerten, die zum Ende der Periode <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss183\"><span class=\"f charStyle-37455c2a ps621\">gehalten werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5852 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5853 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4970 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5854 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5855 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5856 ss396\"><div><div class=\"ps624 ss183\"><span class=\"f charStyle-37455c2a ps621\">von Verm\u00f6genswerten, die zum Ende der Periode <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss183\"><span class=\"f charStyle-37455c2a ps621\">nicht mehr gehalten werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5857 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5858 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5859 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5860 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5861 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2126 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">K\u00e4ufe/Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5862 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">73<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5863 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5864 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5865 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5866 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2134 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Tilgungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5867 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5868 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5869 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5870 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5871 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-20<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2142 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Verk\u00e4ufe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5872 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5873 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5874 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5875 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5876 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2150 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsumrechnung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5877 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5878 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5879 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5880 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5881 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2158 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderung Konsolidierungskreis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5882 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5883 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5884 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5885 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5886 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2166 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Stand 31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5887 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">577<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5888 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5889 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5890 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">116<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5891 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5892 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Bewertungen (inklusive der Parametrisierungen der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5893 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">beobachtbaren Parameter) erfolgen durch einen vom Markt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5894 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">unabh\u00e4ngigen Marktfolgebereich innerhalb des Risikoressorts</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps5895 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">auf monatlicher Basis. Aufgetretene \u00c4nderungen werden,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5896 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">soweit m\u00f6glich, mit am Markt beobachtbaren Referenzen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5897 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:121.71pt\">verglichen und plausibilisiert.</span></div><div class=\"ps5898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Quantitative und qualitative Informationen zur Bewertung </span></div><div class=\"ps5899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">von Level-3-Finanzinstrumenten </span></div><div class=\"ps5900 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Der wesentliche, nicht direkt beobachtbare Inputfaktor bei</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5901 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">den Emissionen der BAWAG P.S.K. Wohnbaubank und der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps5902 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">ehemaligen IMMO-BANK ist der Spread-Aufschlag auf die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps5903 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Swapkurve, der zur Bestimmung der Risk-Adjusted Discount</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps5904 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Curve herangezogen wird. Der Fair Value ermittelt sich in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5905 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">weiterer Folge durch Diskontierung der zuk\u00fcnftigen Cashflows</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps5906 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">mit der Risk-Adjusted Discount Curve. Der Brutto-Spread-</span></div><div class=\"ps5907 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Aufschlag f\u00fcr Emissionen der BAWAG P.S.K. Wohnbaubank ist</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps5908 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">laufzeitabh\u00e4ngig und betr\u00e4gt aktuell f\u00fcr 5 Jahre 67 Basispunkte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps5909 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">(Mid) (31. Dezember 2024: 83 Basispunkte). F\u00fcr Emissionen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">der ehemaligen IMMO-BANK h\u00e4ngen die Spreads vom Rang</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:104.77pt\">und von der F\u00e4lligkeit ab.</span></div><div class=\"ps5912 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Grunds\u00e4tzlich ist der angef\u00fchrte Inputparameter von der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5913 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">generellen Marktentwicklung der Credit Spreads innerhalb des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bankensektors bzw. im Detail von der Bonit\u00e4tsentwicklung der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps5915 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wohnbaubanken abh\u00e4ngig, wobei eine Ausweitung der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5916 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:157.78pt\">Spreads eine positive Auswirkung hat.</span></div><div class=\"ps5917 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Fair-Value-Kredite werden grunds\u00e4tzlich \u00fcber die Discounted-</span></div><div class=\"ps5918 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Cashflow-Methode (DCF) bewertet. Sind Ober- oder</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5892 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Untergrenzen oder einfache K\u00fcndigungsoptionen vorhanden,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps5893 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">werden diese mittels Bachelier-Modell abgebildet. Der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps5894 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Discountfaktor, welcher in der DCF verwendet wird, setzt sich</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps5895 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">aus mehreren Parametern zusammen: der Funding-Kurve</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps5896 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">(abgeleitet aus einer Peergroup europ\u00e4ischer Banken mit</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps5897 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">demselben Rating wie die BAWAG P.S.K.) und einer</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps5919 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">kundenspezifischen Credit-Spread-Kurve (abgeleitet je nach</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps5898 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verf\u00fcgbarkeit aus CDS- oder Bloomberg Bond-Sektor-Kurve;</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps5899 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">bei Retail und KMU aus intern abgeleiteter</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps5900 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Ausfallswahrscheinlichkeit), welche um den jeweiligen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps5901 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:141.16pt\">Besicherungsgrad angepasst wird.</span></div><div class=\"ps5903 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Bei den illiquiden Fonds, die nicht zeitnah zu den</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps5904 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">ver\u00f6ffentlichten Net Asset Values ver\u00e4u\u00dfert werden konnten,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps5905 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">kommt als nicht direkt beobachtbarer Inputfaktor ein Abschlag</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps5906 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">zur Anwendung, der dem zu erwartenden Verkaufskurs</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps5907 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Rechnung tr\u00e4gt. Der Fair Value ermittelt sich in weiterer Folge</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps5908 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">als Differenz des Net Asset Values und dieses</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps5909 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Liquidit\u00e4tsabschlags. Der Ausweis erfolgt unter Erfolgswirksam</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps5910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">verpflichtend zum beizulegenden Zeitwert bewertete</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps5911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:118.97pt\">finanzielle Verm\u00f6genswerte.</span></div><div class=\"ps5912 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Der beizulegende Zeitwert von zwei nicht gehandelten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps5913 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Investmentfonds basiert auf den vom Fondsmanager</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps5914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:167.62pt\">bereitgestellten Marktpreisnotierungen.</span><span class=\"f charStyle-34546584 ps5920\" style=\"width:2.36pt\"> </span></div><div class=\"ps5916 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Bei Immobilienfonds werden die zugrunde liegenden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps5921 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Investitionen mindestens j\u00e4hrlich von einem unabh\u00e4ngigen,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps5917 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">vom Fondsmanager beauftragten Gutachter bewertet, der Net</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps5918 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Asset Value (NAV) wird mindestens viertelj\u00e4hrlich ermittelt.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Der Net Asset Value des Investmentfonds entspricht dem</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">\u00dcberschuss des Wertes der Verm\u00f6genswerte des</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:239.62pt\">Investmentfonds \u00fcber den Wert seiner Verbindlichkeiten.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Fonds, die in Kreditportfolios investieren, werden von einem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">unabh\u00e4ngigen externen Experten auf der Grundlage einer DCF-</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Methode bewertet, die eigene Ausfalls- und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Vorauszahlungsmodelle verwendet, um die erwarteten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Cashflows abzuleiten, die zu einem Marktzinssatz diskontiert</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden. Das Modell verwendet Kredit- und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Leistungsindikatoren sowie makro\u00f6konomische Indikatoren,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">um die Cashflows f\u00fcr jeden Kreditpool, segmentiert nach</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Herkunft, Alter, Unterklasse und Laufzeit, zu prognostizieren.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:221.39pt\">Der Fondswert wird auf monatlicher Basis berechnet.</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Jahresabschl\u00fcsse des Fonds werden nach lokalen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Vorschriften erstellt. Es erfolgt eine j\u00e4hrliche Pr\u00fcfung der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Fonds durch einen unabh\u00e4ngigen Wirtschaftspr\u00fcfer, um die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:245.08pt\">Richtigkeit der oben genannten Angaben zu gew\u00e4hrleisten.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">F\u00fcr die Bewertung eines signifikanten Teils der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Eigenkapitalinstrumente werden die Dividend-Discount-</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Methode sowie die Discounted-Earnings-Methode verwendet.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ein kleinerer Teil wird auf Basis externer Preisangaben oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:158.12pt\">des anteiligen Eigenkapitals bewertet.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Erwartete Dividenden und Ertr\u00e4ge sowie externe</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Preisindikationen ber\u00fccksichtigen die aktuellsten Forecasts,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">einschlie\u00dflich der beobachteten und erwarteten Auswirkungen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">der aktuellen geopolitischen Lage auf die Rentabilit\u00e4t der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:118.2pt\">betreffenden Unternehmen.</span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die Ermittlung der Fair Values von Kundenverbindlichkeiten,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die erfolgswirksam zum beizulegenden Zeitwert bilanziert</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">werden, erfolgt analog zu den Forderungen nach der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:244.55pt\">Discounted-Cashflow-Methode und dem Bachelier-Modell.</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sensitivit\u00e4tsanalyse der Fair-Value-Bewertung bei </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">\u00c4nderungen der nicht beobachtbaren Parameter</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Wenn der Wert eines Finanzinstruments von nicht</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">beobachtbaren Parametern abh\u00e4ngt, k\u00f6nnen diese Parameter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">aus einer Bandbreite von alternativen Parametrisierungen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">gew\u00e4hlt werden. Die aktuelle geopolitische Lage f\u00fchrt zu einer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">erh\u00f6hten Unsicherheit in Bezug auf nicht beobachtbare</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Parameter und die Messung des Fair Value dieser Positionen.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verbindlichkeiten in Level 3, die zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bewertet werden, betreffen Emissionen der BAWAG P.S.K.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wohnbaubank und der ehemaligen IMMO-BANK und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:249.27pt\">Kundenverbindlichkeiten der start:bausparkasse \u00d6sterreich.</span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Wenn man den Kreditrisikoaufschlag bei der Bewertung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Eigenen Emissionen um 20 Basispunkte erh\u00f6ht, h\u00e4tte sich das</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">kumulierte Bewertungsergebnis zum 31. Dezember 2025 um</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">0,0\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: 0,0\u00a0Mio.\u00a0\u20ac) verbessert. Wenn</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">man den Kreditrisikoaufschlag bei der Bewertung der eigenen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Emissionen um 20 Basispunkte vermindert, h\u00e4tte sich das</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">kumulierte Bewertungsergebnis zum 31. Dezember 2025 um</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:242.77pt\">0,0\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: 0,0\u00a0Mio.\u00a0\u20ac) verschlechtert.</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Der Anteil der kumulierten Fair-Value-\u00c4nderung von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">erfolgswirksam zum beizulegenden Zeitwert bewerteten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Forderungen, der sich nur aufgrund von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Bonit\u00e4tsver\u00e4nderungen ergeben hat, betr\u00e4gt zum</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">31.\u00a0Dezember 2025 +7,1\u00a0Mio.\u00a0\u20ac (31. Dezember 2024:</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">+4,2\u00a0Mio.\u00a0\u20ac) und wird als \u00c4nderung des Spreads \u00fcber der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Swapkurve in der beobachteten Periode definiert. Der Anteil</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">der entsprechenden j\u00e4hrlichen Fair-Value-\u00c4nderung betr\u00e4gt</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:210.81pt\">+2,9\u00a0Mio.\u00a0\u20ac (zum 31. Dezember 2024: +2,1\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Bei einer Verengung des Credit Spreads um einen Basispunkt</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">w\u00fcrde sich eine Bewertungsver\u00e4nderung von +0,05\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:183.53pt\">ergeben (31. Dezember 2024: +0,06\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wenn man den Kreditrisikoaufschlag bei der Bewertung der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Kredite um 100 Basispunkte erh\u00f6ht, h\u00e4tte sich das kumulierte</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bewertungsergebnis zum 31. Dezember 2025 um 4,3\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">(31. Dezember 2024: 5,6\u00a0Mio.\u00a0\u20ac) verschlechtert. Wenn man</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">den Kreditrisikoaufschlag bei der Bewertung der Kredite um</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">100 Basispunkte vermindert, h\u00e4tte sich das kumulierte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bewertungsergebnis zum 31. Dezember 2025 um 4,8\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:182.79pt\">(31. Dezember 2024: 6,2\u00a0Mio.\u00a0\u20ac) verbessert.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Wenn man den Liquidit\u00e4tsabschlag der illiquiden Fonds um</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">10\u00a0Prozentpunkte erh\u00f6ht, h\u00e4tte sich das Bewertungsergebnis</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">zum 31. Dezember 2025 um 0,1 Mio.\u00a0\u20ac (31. Dezember 2024:</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">0,3\u00a0Mio.\u00a0\u20ac) verschlechtert. Wenn man den Liquidit\u00e4tsabschlag</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">der illiquiden Fonds um 10 Prozentpunkte vermindert, h\u00e4tte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">sich das Bewertungsergebnis zum 31. Dezember 2025 um</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:226.96pt\">0,1\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: 0,3\u00a0Mio.\u00a0\u20ac) verbessert.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">F\u00fcr die Bewertung eines Teils der Eigenkapitalinstrumente sind</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">die wesentlichen Inputparameter der Diskontierungsfaktor,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Dividendenertr\u00e4ge bzw. Ertr\u00e4ge und auch (m\u00f6glicherweise)</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">notwendige Kapitalma\u00dfnahmen. Wenn der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Diskontierungsfaktor um 100 Basispunkte sinkt, w\u00fcrde der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">beizulegende Zeitwert um 7,7\u00a0Mio.\u00a0\u20ac steigen (davon 1,9\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">FVTOCI und 5,8\u00a0Mio.\u00a0\u20ac FVTPL) (31. Dezember 2024: um</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">3,3\u00a0Mio.\u00a0\u20ac; davon 1,5\u00a0Mio.\u00a0\u20ac FVTOCI und 1,8\u00a0Mio.\u00a0\u20ac FVTPL);</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">steigt der Diskontierungsfaktor um 100 Basispunkte, w\u00fcrde</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">der beizulegende Zeitwert um 5,9\u00a0Mio.\u00a0\u20ac sinken (davon</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">1,4\u00a0Mio.\u00a0\u20ac FVTOCI und 4,5\u00a0Mio.\u00a0\u20ac FVTPL) (31. Dezember 2024:</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">um 2,5\u00a0Mio.\u00a0\u20ac; davon 1,1\u00a0Mio.\u00a0\u20ac FVTOCI und 1,4\u00a0Mio.\u00a0\u20ac FVTPL).</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wenn die Ver\u00e4nderung der Dividendenertr\u00e4ge bzw.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nettogewinne dort wo anwendbar um 20% steigt, w\u00fcrde der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">beizulegende Zeitwert dieses Finanzverm\u00f6gens um 2,0\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.97pt\">steigen (davon 0,7\u00a0Mio.\u00a0\u20ac FVTOCI und 1,3\u00a0Mio.\u00a0\u20ac FVTPL)</span><span class=\"f charStyle-34546584 ps237\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(31.\u00a0Dezember 2024: um 0,7\u00a0Mio.\u00a0\u20ac; davon 0,3\u00a0Mio.\u00a0\u20ac FVTOCI</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">und 0,4\u00a0Mio.\u00a0\u20ac FVTPL); wenn die Ver\u00e4nderung der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Dividendenertr\u00e4ge bzw. Nettogewinne dort wo anwendbar um</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">20% f\u00e4llt, w\u00fcrde der beizulegende Zeitwert um 1,9\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">fallen (davon 0,6\u00a0Mio.\u00a0\u20ac FVTOCI und 1,3\u00a0Mio.\u00a0\u20ac FVTPL)</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(31.\u00a0Dezember 2024: um 0,7\u00a0Mio.\u00a0\u20ac; davon 0,3\u00a0Mio.\u00a0\u20ac FVTOCI</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:93.32pt\">und 0,4\u00a0Mio.\u00a0\u20ac FVTPL).</span></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Ein Teil der Eigenkapitalinstrumente wird auf Basis externer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Preisangaben bewertet. Wenn diese Indikationen um 10%</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">niedriger w\u00e4ren, w\u00fcrde der beizulegende Zeitwert dieses Teils</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.96pt\">um 9,3\u00a0Mio.\u00a0\u20ac fallen (2,7\u00a0Mio.\u00a0\u20ac FVTOCI und 6,6\u00a0Mio.\u00a0\u20ac FVTPL)</span><span class=\"f charStyle-34546584 ps917\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">(31. Dezember 2024: um 15,8\u00a0Mio.\u00a0\u20ac; davon 9,5\u00a0Mio.\u00a0\u20ac FVTOCI</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und 6,3\u00a0Mio.\u00a0\u20ac FVTPL). W\u00e4ren diese Indikationen um 10%</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">h\u00f6her, w\u00fcrde sich der beizulegende Zeitwert dieses Teils um</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">9,4\u00a0Mio.\u00a0\u20ac erh\u00f6hen (davon 3,0\u00a0Mio.\u00a0\u20ac FVTOCI und 6,4\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">FVTPL) (31. Dezember 2024: um 15,8\u00a0Mio.\u00a0\u20ac; davon 9,5\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.87pt\">FVTOCI und 6,3\u00a0Mio.\u00a0\u20ac FVTPL).</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Der kleinste Teil wird auf Basis des anteiligen Eigenkapitals</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">bewertet. W\u00e4re das Eigenkapital um 10% niedriger, w\u00fcrde dies</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zu einem R\u00fcckgang um 1,0\u00a0Mio.\u00a0\u20ac (davon 0,7\u00a0Mio.\u00a0\u20ac FVTOCI</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">und 0,3\u00a0Mio.\u00a0\u20ac FVTPL) (31. Dezember 2024: um 1,3\u00a0Mio.\u00a0\u20ac;</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">davon 1,0\u00a0Mio.\u00a0\u20ac FVTOCI und 0,3\u00a0Mio.\u00a0\u20ac FVTPL) bzw. bei einem</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">um 10% h\u00f6heren Eigenkapital zu einem Anstieg um 1,0\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">f\u00fchren (davon 0,7\u00a0Mio.\u00a0\u20ac FVTOCI und 0,3\u00a0Mio.\u00a0\u20ac FVTPL)</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">(31.\u00a0Dezember 2024: um 1,3\u00a0Mio.\u00a0\u20ac; davon 1,0\u00a0Mio.\u00a0\u20ac FVTOCI</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:93.32pt\">und 0,3\u00a0Mio.\u00a0\u20ac FVTPL).</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Der beizulegende Zeitwert eines nicht gehandelten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Investmentfonds basiert auf den vom Fondsmanager</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">bereitgestellten Marktpreisnotierungen. Der eine Fonds hat,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">basierend auf der aktuellen Portfolioallokation, eine erwartete</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zinssensitivit\u00e4t von etwa -0,0\u00a0Mio.\u00a0\u20ac (31. Dezember 2024:</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">-0,1\u00a0Mio.\u00a0\u20ac) bei einem Anstieg der Zinss\u00e4tze um 100</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Basispunkte und eine Credit-Spread-Sensitivit\u00e4t von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">-0,0\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: -0,1\u00a0Mio.\u00a0\u20ac) bei einer</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Ausweitung der Credit Spreads um 100 Basispunkte (und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:51.13pt\">umgekehrt).</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">F\u00fcr den anderen Fonds gilt: wenn der angegebene Marktwert</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">um 10% steigen w\u00fcrde, w\u00fcrde der Konzern einen Gewinn von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">15,2\u00a0Mio.\u00a0\u20ac in der Gewinn- und Verlustrechnung ausweisen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(31. Dezember 2024: 17,6\u00a0Mio.\u00a0\u20ac). Wenn der angegebene</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Marktwert um 10% sinken w\u00fcrde, w\u00fcrde der Konzern einen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verlust von 15,2\u00a0Mio.\u00a0\u20ac in der Gewinn- und Verlustrechnung</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:188.21pt\">verbuchen (31. Dezember 2024: 17,6\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Fair-Value-Ver\u00e4nderungen von Level-3-Aktiva bei alternativer </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Parametrisierung</span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zur Ermittlung der potenziellen Auswirkungen werden f\u00fcr</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Schuldverschreibungen, Ertragsfonds mit dem Risikofaktor</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Credit Spreads sowie Kredite, Credit Spreads herangezogen.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">F\u00fcr diese wird in der Sensitivit\u00e4tsanalyse der Wertebereich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zwischen +100 bp und -50 bp verwendet. Eine Erh\u00f6hung (eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verringerung) der Spreads f\u00fchrt zu einer Verringerung (einer</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:148.41pt\">Erh\u00f6hung) des jeweiligen Fair Value</span><span class=\"f charStyle-34546584 ps5922\" style=\"width:2.62pt\">.</span></div><div class=\"ps4363 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:366.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss40\"><div><div class=\"ps4211 ss38\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss38\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps3436\">-50 bp<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5923\">+50 bp<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5924\">+100 bp<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-4,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-4,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Income-Fonds<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss40\"><div><div class=\"ps624 ss38\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss38\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps319 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps322 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps323 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps324 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5925 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:366.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss40\"><div><div class=\"ps4211 ss38\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss38\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps3436\">-50 bp<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5923\">+50 bp<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5924\">+100 bp<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">3,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-2,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-5,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-5,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Income-Fonds<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss40\"><div><div class=\"ps624 ss38\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss38\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps450 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps451 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps319 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps322 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps323 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps324 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueMeasurementExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-762": {
   "value": "<span class=\"f charStyle-b1e544a7 ps5532\">air Value</span><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die folgenden Tabellen zeigen einen Vergleich der Buchwerte</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">und Fair Values (beizulegende Zeitwerte) der einzelnen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:55.96pt\">Bilanzposten:</span></div><div class=\"ps4242 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss390\"><div><div class=\"ps1792 ss261\"><span class=\"f charStyle-c5fdbd46 ps4005\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps2044 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-584de24a ps3604\">Buchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-584de24a ps5533\">Fair Value<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-584de24a ps5534\">Delta Fair <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps5535\">Value/</span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-584de24a ps3604\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps5536\">Buchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps5537\">Fair Value<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps5538\">Delta Fair <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5539\">Value/</span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps5536\">Buchwert</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3820 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5540 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5211 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5212 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5213 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5214 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5215 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2885 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5541 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-d6657fd6 ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5542 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Barreserve<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5543 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">14.093<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5544 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">14.093<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5545 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5546 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.604<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5547 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.604<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5548 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5549 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam freiwillig zum beizulegenden Zeitwert <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">bewertete finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5550 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5551 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5552 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5553 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5554 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5555 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2807 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5556 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5557 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5558 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5559 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2808 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2809 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2810 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam verpflichtend zum beizulegenden <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">Zeitwert bewertete finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5560 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5561 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5562 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5563 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">579<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2811 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">579<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2812 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5164 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5564 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5165 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5166 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5167 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">335<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5168 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">335<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5169 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4291 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5565 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5566 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5567 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5568 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">162<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5569 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">162<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5570 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5571 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Unternehmen mit Beteiligungsverh\u00e4ltnis und andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Eigenkapitalinstrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5572 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">110<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5573 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">110<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5574 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5575 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">82<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5576 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">82<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5577 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1726 ss283\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Im sonstigen Ergebnis ausgewiesene zum <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss261\"><span class=\"f charStyle-37455c2a ps36\">beizulegenden Zeitwert bewertete finanzielle </span></div><div class=\"ps2567 ss261\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4454 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.322<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4455 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.322<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4456 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4457 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.913<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1727 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.913<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1728 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5578 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5579 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps513 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps514 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps516 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps517 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Unternehmen mit Beteiligungsverh\u00e4ltnis und andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Eigenkapitalinstrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5580 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5581 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5582 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1760 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">144<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1761 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">144<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1762 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps912 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5583 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5584 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5585 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5586 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">316<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5587 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">316<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4137 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5588 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">54.814<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5589 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">54.335<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5590 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps623\">-479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5591 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">49.407<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5592 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">48.817<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4143 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-590<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4144 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5593 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5594 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">50.280<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5595 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps623\">-469<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5596 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">45.496<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5597 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">44.942<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-554<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4151 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Kreditinstitute<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5598 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5599 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">448<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5600 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps668\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5601 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">830<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5602 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">826<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4157 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5603 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5604 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.613<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5605 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.607<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5606 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5607 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.081<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5608 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.049<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5609 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-32<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5610 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsanpassungen f\u00fcr gegen Zinsrisiken <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">abgesicherte Portfolien</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5611 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps623\">-616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5612 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps623\">-616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5613 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5614 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-218<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5615 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-218<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5616 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1709 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5617 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">358<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5618 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">358<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5619 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5620 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">331<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">331<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1712 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Sachanlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5621 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">300<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5623 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5624 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5625 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">254<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1714 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5626 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Vermietete Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5627 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">232<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5628 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">232<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5629 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5630 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5631 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5632 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5633 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Immaterielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5634 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">535<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5635 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5636 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5637 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">532<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5638 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5639 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5640 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5641 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">514<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5642 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5643 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5644 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">523<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5645 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5646 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5647 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Zur Ver\u00e4u\u00dferung gehaltene langfristige <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte und Ver\u00e4u\u00dferungsgruppen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5648 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">119<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5649 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5650 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5651 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5652 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5653 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5654 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">72.297<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">71.341<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss390\"><div><div class=\"ps5657 ss261\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps2044 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-584de24a ps3604\">Buchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-584de24a ps5533\">Fair Value<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-584de24a ps5534\">Delta Fair <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps5535\">Value/</span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-584de24a ps3604\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps5536\">Buchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps5537\">Fair Value<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps5538\">Delta Fair <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5539\">Value/</span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps5536\">Buchwert</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3820 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5540 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5211 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5212 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5213 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5214 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5215 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2885 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Passiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5542 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5543 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5544 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps5545 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5546 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5547 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5548 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2804 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen und andere <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">verbriefte Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5658 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">41<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5659 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">41<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5660 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5661 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">86<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2805 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">86<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2806 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3732 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4433 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4434 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4435 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4436 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4437 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4438 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3849 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5159 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5160 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5161 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5162 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5163 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5164 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5564 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps619\">65.707<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5165 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps619\">65.511<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5166 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps623\">-196<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5167 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">64.608<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5168 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">64.354<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5169 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-254<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1722 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kreditinstituten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">812<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">819<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4448 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.264<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.269<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3640 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1723 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">47.366<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4453 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">46.153<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-17<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1726 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen und <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps621\">Erg\u00e4nzungskapital</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4454 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps619\">17.528<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps4455 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps619\">17.326<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4456 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps623\">-202<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4457 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.174<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1727 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.932<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1728 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-242<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1110 ss262\"><div><div class=\"ps624 ss261\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsanpassungen f\u00fcr gegen Zinsrisiken <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss261\"><span class=\"f charStyle-37455c2a ps36\">abgesicherte Portfolien</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5663 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps623\">-299<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5664 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps623\">-299<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5665 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1111 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1112 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1113 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3745 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5190 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5191 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5192 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">291<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5193 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">291<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5194 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5195 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">251<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">285<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5671 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5196 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.197<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5199 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.090<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5200 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5201 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2368 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Eigenkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">4.836<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5202 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5203 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5204 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.733<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2371 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Nicht beherrschende Anteile<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5205 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5206 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5207 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2372 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2373 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps5622\">n/a<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2374 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Passiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps5676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">72.297<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #990000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5677 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">71.341<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps5679 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Der beizulegende Zeitwert von wesentlichen vermieteten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5680 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Grundst\u00fccken und Geb\u00e4uden basiert auf externen und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps5681 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">internen Bewertungen. Bei den sonstigen Verm\u00f6genswerten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5682 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und Verbindlichkeiten stellt der Buchwert einen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2872 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">angemessenen N\u00e4herungswert f\u00fcr den beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5683 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">dar. Auf eine Angabe zum beizulegenden Zeitwert wurde</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps5685 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:70.54pt\">daher verzichtet.</span><span class=\"f charStyle-34546584 ps5684\" style=\"width:2.36pt\"> </span></div><div class=\"ps5686 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Zur Bestimmung des Fair Value von Verm\u00f6genswerten und</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps5687 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verbindlichkeiten werden markt\u00fcbliche Bewertungsmethoden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps5688 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">verwendet. In Bezug auf Level-3-Aktiva und -Passiva, f\u00fcr die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps5689 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:240.12pt\">nicht beobachtbare Bewertungsparameter zur Bewertung</span></div><div class=\"ps5690 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">verwendet werden, f\u00fchrt das aktuelle makro\u00f6konomische</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps5691 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Umfeld zu einer erh\u00f6hten Unsicherheit in Bezug auf die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps5692 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:174.57pt\">Messung des Fair Value dieser Positionen.</span></div><div class=\"ps5693 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Buchwertanpassungen von Grundgesch\u00e4ften in einem</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps5694 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Portfolio-Fair-Value-Hedge werden gem\u00e4\u00df IFRS 9 in einem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps5695 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">eigenen Bilanzposten (Bewertungsanpassungen f\u00fcr gegen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps5696 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zinsrisiken abgesicherte Portfolien) dargestellt. Um einen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps5697 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">direkten Vergleich mit den Bilanzposten zu erm\u00f6glichen,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps5698 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">werden Fair-Value-\u00c4nderungen, die sich auf das hier</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps5699 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">abgesicherte Zinsrisiko beziehen, ebenfalls in einer eigenen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps5701 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:66.49pt\">Zeile dargestellt</span><span class=\"f charStyle-34546584 ps5700\" style=\"width:2.62pt\">.</span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Fair-Value-Hierarchie<span class=\"f ps37\"> </span></span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die folgende Tabelle zeigt eine Analyse der Fair Values der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">bilanzierten Finanzinstrumente und der vermieteten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">Grundst\u00fccke und Geb\u00e4ude auf Basis der im IFRS 13 definierten</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Fair-Value-Hierarchie. Die Aufgliederung umfasst die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:83.48pt\">folgenden Gruppen:</span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-1688cd52 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-81af04f8 ps956\" style=\"width:36.5pt\">Level 1:</span><span class=\"f charStyle-34546584 ps5702\" style=\"width:211.35pt\"> Finanzinstrumente werden unter Verwendung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">eines \u00f6ffentlich zug\u00e4nglichen Kurses ohne jegliche</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Kursmodifikation bewertet. Hierunter fallen Staatsanleihen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">und Schuldverschreibungen mit einem \u00f6ffentlich</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:219.29pt\">zug\u00e4nglichen Kurs sowie b\u00f6rsengehandelte Derivate.</span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-1688cd52 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-81af04f8 ps956\" style=\"width:35.63pt\">Level 2:</span><span class=\"f charStyle-34546584 ps5703\" style=\"width:212.24pt\"> Falls keine aktuellen, liquiden Marktwerte zur</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Verf\u00fcgung stehen, werden anerkannte und markt\u00fcbliche</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">\u201eState of the Art\u201c-Bewertungsmethoden angewendet. Dies</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">gilt f\u00fcr die Kategorie \u201eVerbriefte Verbindlichkeiten (eigene</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Emissionen)\u201c und vereinzelt f\u00fcr das Sonstige</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Finanzumlaufverm\u00f6gen im Nostroportfolio; bei \u201ePlain</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Vanilla\u201c-Wertpapieren erfolgt die Bewertung \u00fcber die</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Zinskurve unter Ber\u00fccksichtigung des aktuellen Credit</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Spreads. Die Bewertung basiert auf Inputfaktoren</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">(Ausfallsquoten, Kosten, Liquidit\u00e4t, Volatilit\u00e4t, Zinss\u00e4tze</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">etc.), die aus beobachtbaren Marktpreisen (Level 1)</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">abgeleitet sind. Das betrifft Kurse, die mittels eines</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">internen Modells bzw. anhand von Bewertungsverfahren</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">errechnet werden, sowie externe Quotierungen von</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">Wertpapieren, die auf M\u00e4rkten mit eingeschr\u00e4nkter</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Liquidit\u00e4t handeln, die nachweislich auf beobachtbaren</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:96.11pt\">Marktpreisen beruhen.</span><span class=\"f charStyle-34546584 ps5704\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Diese Kategorie beinhaltet die Mehrzahl der OTC-</span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Derivatkontrakte, Unternehmensanleihen und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Schuldverschreibungen, bei denen kein \u00f6ffentlich zug\u00e4nglicher</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Kurs vorliegt, sowie einen Gro\u00dfteil der emittierten, zum Fair</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:189.03pt\">Value klassifizierten Schuldtitel des Konzerns.</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zur Bewertung von zum Fair Value bewerteten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kundenforderungen kommen markt\u00fcbliche</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bewertungsmodelle zum Einsatz, z.B. Discounted-Cashflow-</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und Standardoptionspreismodelle. Marktparameter wie</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zinss\u00e4tze, Wechselkurse oder Volatilit\u00e4ten werden als Input</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">f\u00fcr das Bewertungsmodell zur Ermittlung des beizulegenden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zeitwerts verwendet. Die zur Bestimmung des reinen Zeitwerts</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">verwendeten Diskontierungskurven enthalten nur</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Instrumente, die kein oder nur ein geringes Ausfallrisiko, wie</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zum Beispiel Swaps\u00e4tze, aufweisen. Spread-Kurven, die die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Refinanzierungskosten des zugrunde liegenden Schuldners</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">widerspiegeln, werden entweder von ausstehenden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Refinanzierungsinstrumenten, unterschieden nach Seniorit\u00e4t</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">(besicherte, unbesicherte oder nachrangige Refinanzierungen),</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:218.35pt\">oder Benchmark-Zinskurven (z.B. Indizes) abgeleitet.</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bei linearen, derivativen Finanzinstrumenten, die keine</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">optionalen Komponenten beinhalten (wie z.B. Interest-Rate-</span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Swaps, Devisentermingesch\u00e4fte), wird ebenso die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Barwertmethode angewandt (Abzinsung zuk\u00fcnftiger Cashflows</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">mit der entsprechenden Swapkurve, wobei bei Derivaten, mit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">deren Counterparty ein Credit Support Annex (CSA) besteht,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">die entsprechende RFR-Swapkurve [Risk Free Rate wie z.B.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:141.35pt\">\u20acSTR] Basis der Diskontierung ist).</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">F\u00fcr optionale Instrumente werden markt\u00fcbliche</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Optionspreismodelle wie Black Scholes (Swaptions, Caps,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Floors), Bachelier (Caps, Floors und Swaptions in W\u00e4hrungen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">mit negativen Zinsen), Garman-Kohlhagen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">(W\u00e4hrungsoptionen) sowie das Hull-White-Modell (Swaps mit</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">mehrfachen K\u00fcndigungsrechten) verwendet, die in den Front-</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Office-Systemen konsistent implementiert und angewandt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:34.28pt\">werden.</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die den Modellen zugrunde liegenden Parameter (Zinskurven,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Volatilit\u00e4ten, FX-Kurse) werden unabh\u00e4ngig von den Treasury-</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Abteilungen vom Bereich Marktrisiko in die Front-Office-</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Systeme \u00fcbertragen, wodurch eine Trennung von Markt und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:118.48pt\">Marktfolge sichergestellt ist.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bei komplexeren Derivaten, die zu Hedge-Zwecken</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">abgeschlossen wurden und back to back geschlossen sind,</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">wird auf eine externe Bewertung zur\u00fcckgegriffen, die vom</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Bereich Marktrisiko eingeholt und zur korrekten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:217.01pt\">Weiterverarbeitung in die Systeme \u00fcbertragen wird.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zur Evaluierung der Spreads der Erfolgswirksam zum</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">beizulegenden Zeitwert gewidmeten eigenen Emissionen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">werden markt\u00fcbliche Anbieter wie Bloomberg und Markit</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">herangezogen. Auf Basis der Termstructure der A-Europe-</span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Financial-Sektorkurve sowie der Quotes der internationalen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">BAWAG-P.S.K.-Emissionen werden eine Senior-unsecured-</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">sowie eine LT2-Spreadkurve ermittelt. F\u00fcr fundierte</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Bankschuldverschreibungen wird die Spreadkurve direkt aus</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">den Quotes mehrerer BAWAG-P.S.K.-Benchmark-Anleihen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">ermittelt. Die Wertpapierkurse der BAWAG-P.S.K.-Emissionen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">errechnen sich dann durch Diskontierung der um den Spread</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:99.22pt\">adaptierten Swapkurve.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Zum 31. Dezember 2025 betrug der Anteil der Fair-Value-</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">\u00c4nderung der eigenen Emissionen des BAWAG-Konzerns, der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">sich nur aufgrund von Bonit\u00e4tsver\u00e4nderungen ergeben hat,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">-1,1\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: -1,8\u00a0Mio.\u00a0\u20ac). Diese ist</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">definiert als das Produkt des Creditspreadbasispunktwertes</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">mit der jeweiligen Spreadver\u00e4nderung, erg\u00e4nzt um den Pull-</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">to-Par-Effekt. Zum 31. Dezember 2025 betrug die kumulierte</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Fair-Value-\u00c4nderung, die auf Bonit\u00e4tsver\u00e4nderungen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">zur\u00fcckzuf\u00fchren ist, 0,0\u00a0Mio.\u00a0\u20ac (31. Dezember 2024:</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:52.64pt\">+1,1\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Bei einer Verengung des Credit Spreads um einen Basispunkt</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">w\u00fcrde sich eine Bewertungsver\u00e4nderung von -0,02\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:181.61pt\">(31.\u00a0Dezember 2024: -0,02\u00a0Mio.\u00a0\u20ac) ergeben.</span><span class=\"f charStyle-34546584 ps5705\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Der Anteil der kumulierten Fair-Value-\u00c4nderung von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">erfolgswirksam zum beizulegenden Zeitwert bewerteten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Forderungen, der sich nur aufgrund von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bonit\u00e4tsver\u00e4nderungen ergeben hat, betrug zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">31.\u00a0Dezember 2025 0,1\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: 0,2\u00a0Mio.\u00a0\u20ac)</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">und wird als \u00c4nderung des Spreads zwischen AT-Bund-Kurve</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und \u20ac-Swapkurve in der beobachteten Periode definiert. Der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Anteil der entsprechenden j\u00e4hrlichen Fair-Value-\u00c4nderung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:213.74pt\">betr\u00e4gt 0,0\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: 0,0\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Bei einer Verengung des Credit Spreads um einen Basispunkt</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">w\u00fcrde sich eine Bewertungsver\u00e4nderung von +0,02\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:183.53pt\">ergeben (31. Dezember 2024: +0,02\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-1688cd52 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-81af04f8 ps956\" style=\"width:34.23pt\">Level 3:</span><span class=\"f charStyle-81af04f8 ps5706\" style=\"width:4.26pt\"> </span><span class=\"f charStyle-34546584 ps5707\" style=\"width:209.39pt\">Im Rahmen der Bewertung werden nicht extern</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">beobachtbare Inputfaktoren verwendet, die einen</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">wesentlichen Einfluss auf die H\u00f6he des Marktwerts haben.</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">Dies betrifft vorwiegend illiquide Fonds sowie Emissionen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">der BAWAG P.S.K. Wohnbaubank. Kredite und Forderungen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">und finanzielle Verbindlichkeiten zu fortgef\u00fchrten</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Anschaffungskosten werden mittels Discounted-Cashflow-</span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">Methode mit einer um den Credit Spread angepassten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Swapkurve bewertet. Au\u00dferdem betrifft dies auch die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">Anteile an nicht konsolidierten Beteiligungen, die entweder</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">erfolgswirksam verpflichtend zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">oder im sonstigen Ergebnis zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">bewertet werden, und Kundenverbindlichkeiten, die</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">erfolgswirksam zum beizulegenden Zeitwert bewertet</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:34.28pt\">werden.</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Der beizulegende Zeitwert von wesentlichen vermieteten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Grundst\u00fccken und Geb\u00e4uden basiert auf externen und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:96.43pt\">internen Bewertungen.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">F\u00fcr die Bestimmung des Credit Value Adjustment (CVA) f\u00fcr</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bonit\u00e4tsrisiken von OTC-Derivaten werden Nettingeffekte auf</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kundenebene innerhalb von Gesch\u00e4ften selben Typs und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:129.57pt\">selber W\u00e4hrung ber\u00fccksichtigt.</span><span class=\"f charStyle-34546584 ps5708\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5709\">Level 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5709\">Level 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5709\">Level 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps4220\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-b27625d4 ps5710\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-b27625d4 ps5710\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-b27625d4 ps5710\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps300 ss27\"><div><div class=\"ps624 ss26\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam freiwillig zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss26\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps302 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps303 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps304 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps305 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps624 ss26\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss26\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4018 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2760 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2761 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">479<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2248 ss27\"><div><div class=\"ps624 ss26\"><span class=\"f charStyle-37455c2a ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss26\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5711 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">986<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5078 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">289<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2251 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2252 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.322<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1831 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">986<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">289<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5714 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5715 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1839 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">Unternehmen mit Beteiligungsverh\u00e4ltnis und andere Eigenkapitalinstrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4223 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4224 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2767 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">47<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4227 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2260 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2261 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">109<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps884 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4231 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">644<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4232 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.542<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4233 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">50.149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4234 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">54.335<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1094 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsanpassungen f\u00fcr gegen Zinsrisiken abgesicherte Portfolien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4237 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps623\">-616<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4240 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">358<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">358<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1102 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Vermietete Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5716 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1104 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">232<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1105 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">232<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3251 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5717 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.630<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.720<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">50.907<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5720 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">56.257<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3742 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Passiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3907 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5722 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3908 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps3909 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3910 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen und andere verbriefte Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5723 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">41<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3911 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3912 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">41<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3913 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5726 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3914 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3915 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps777 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps778 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps779 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps780 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps781 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">450<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3916 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.375<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.215<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5729 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">48.921<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">65.511<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5731 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsanpassungen f\u00fcr gegen Zinsrisiken abgesicherte Portfolien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5732 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5733 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-299<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5735 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps623\">-299<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5736 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5738 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5739 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">91<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5741 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5742 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5743 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">15.512<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5744 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">48.921<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5745 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">65.808<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5747 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5709\">Level 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5709\">Level 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5709\">Level 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4243\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-b27625d4 ps5710\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-b27625d4 ps5710\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-b27625d4 ps5710\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-b27625d4 ps5710\">\u00a0</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps300 ss27\"><div><div class=\"ps624 ss26\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam freiwillig zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss26\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps302 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps303 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps304 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps305 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss27\"><div><div class=\"ps624 ss26\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam verpflichtend zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss26\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4018 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4019 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2760 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">577<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2761 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">579<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2248 ss27\"><div><div class=\"ps624 ss26\"><span class=\"f charStyle-37455c2a ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss26\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5711 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.384<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5078 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">413<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2251 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">116<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2252 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.913<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1831 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">Schuldtitel<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.375<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">394<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5714 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5715 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1839 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">Unternehmen mit Beteiligungsverh\u00e4ltnis und andere Eigenkapitalinstrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4223 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4224 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2766 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">116<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2767 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">144<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1847 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4227 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4228 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">316<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2260 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2261 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">316<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps884 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4231 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">876<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4232 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.369<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4233 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">44.572<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4234 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">48.817<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1094 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsanpassungen f\u00fcr gegen Zinsrisiken abgesicherte Portfolien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4237 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-218<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-218<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1098 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4240 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">331<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">331<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1102 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Vermietete Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5716 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1104 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1105 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">50<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3251 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5717 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.262<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">4.256<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">45.315<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5720 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">51.833<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3742 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Passiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3907 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5722 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3908 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3909 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3910 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">Begebene Schuldverschreibungen und andere verbriefte Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5723 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">82<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3911 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3912 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">86<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3913 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">Nachrangkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5726 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3914 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3915 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps777 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps778 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps779 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps780 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps781 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">454<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3916 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">968<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">18.542<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5729 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">44.844<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">64.354<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5731 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsanpassungen f\u00fcr gegen Zinsrisiken abgesicherte Portfolien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5732 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5733 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5735 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-220<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5736 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5738 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">291<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5739 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">291<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5741 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5742 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5743 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">19.163<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5744 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">44.848<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5745 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">64.979<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die BAWAG erfasst Transfers zwischen den einzelnen Levels</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">mit Ende der Berichtsperiode, in der die Transfers statt-</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:70.48pt\">gefunden haben.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Bewegungen zwischen Level 1 und Level 2</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Im Jahr 2025 wurden aufgrund von nachtr\u00e4glich entstandenen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">illiquiden Kursen im sonstigen Ergebnis ausgewiesene zum</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beizulegenden Zeitwert bewertete Wertpapiere mit einem</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Buchwert von 30\u00a0Mio.\u00a0\u20ac (2024: 10\u00a0Mio.\u00a0\u20ac) von Level 1 in</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Level\u00a02 umgegliedert. Im sonstigen Ergebnis ausgewiesene</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zum beizulegenden Zeitwert bewertete Wertpapiere mit</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">einem Buchwert von 46\u00a0Mio.\u00a0\u20ac (2024: 0\u00a0Mio.\u00a0\u20ac) wurden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">aufgrund eines liquideren Marktes von Level 2 auf Level 1</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:58.01pt\">umgegliedert.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Bewegungen nach und aus Level 3</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Die dem Level 3 zugeordneten, zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">bilanzierten Finanzinstrumente haben sich wie folgt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:46.12pt\">entwickelt:</span></div><div class=\"ps5833 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"padding:0\"><div class=\"ps278 ss391\"><div><div class=\"ps2029 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3309 ss203\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3312 ss203\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps3132 ss393\"><div><div class=\"ps40 ss392\"><span class=\"f charStyle-37455c2a ps5748\">Im sonstigen Ergebnis ausgewiesene <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss392\"><span class=\"f charStyle-37455c2a ps5749\">zum beizulegenden Zeitwert </span></div><div class=\"ps2027 ss392\"><span class=\"f charStyle-37455c2a ps5750\">bewertete finanzielle </span></div><div class=\"ps2029 ss392\"><span class=\"f charStyle-37455c2a ps5751\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3028 ss203\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:75.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps854 ss394\"><div><div class=\"ps2023 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5758 ss395\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-7fa92c59 ps5752\">Erfolgswirksam <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-7fa92c59 ps5753\">verpflichtend zum </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-7fa92c59 ps5754\">beizulegenden </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-7fa92c59 ps5755\">Zeitwert </span></div><div class=\"ps2033 ss151\"><span class=\"f charStyle-7fa92c59 ps5756\">bewertete </span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-7fa92c59 ps5757\">finanzielle </span></div><div class=\"ps2037 ss151\"><span class=\"f charStyle-7fa92c59 ps3874\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5765 ss395\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps5759\">Erfolgswirksam <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps5760\">zum </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps3387\">beizulegenden </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps5761\">Zeitwert </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps5762\">bewertete </span></div><div class=\"ps2033 ss151\"><span class=\"f charStyle-37455c2a ps5763\">finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-37455c2a ps4727\">Verm\u00f6gens-</span></div><div class=\"ps2037 ss151\"><span class=\"f charStyle-37455c2a ps5764\">werte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5766 ss395\"><div><div class=\"ps2037 ss151\"><span class=\"f charStyle-37455c2a ps4616\">Schuldtitel<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5773 ss395\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps5767\">Unternehmen <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps5768\">mit </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps5769\">Beteiligungs-</span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps5770\">verh\u00e4ltnis und </span></div><div class=\"ps2033 ss151\"><span class=\"f charStyle-37455c2a ps5771\">andere </span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-37455c2a ps5772\">Eigenkapital-<span class=\"f ps37\"> </span></span></div><div class=\"ps2037 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5776 ss395\"><div><div class=\"ps2035 ss151\"><span class=\"f charStyle-d8d10933 ps5774\">Finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps2037 ss151\"><span class=\"f charStyle-d8d10933 ps5775\">Verbindlichkeiten</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5415 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Stand 01.01.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5777 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">577<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5778 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5779 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5780 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">116<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5781 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps106 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsgewinne (Verluste) im Konzern\u00fcberschuss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5782 ss396\"><div><div class=\"ps624 ss183\"><span class=\"f charStyle-37455c2a ps621\">von Verm\u00f6genswerten, die zum Ende der Periode <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss183\"><span class=\"f charStyle-37455c2a ps621\">gehalten werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5783 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5784 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5785 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5786 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5787 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3598 ss396\"><div><div class=\"ps624 ss183\"><span class=\"f charStyle-37455c2a ps621\">von Verm\u00f6genswerten, die zum Ende der Periode <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss183\"><span class=\"f charStyle-37455c2a ps621\">nicht mehr gehalten werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5788 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5789 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5790 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5791 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5792 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps901 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsgewinne/-verluste im Sonstigen Ergebnis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1891 ss396\"><div><div class=\"ps624 ss183\"><span class=\"f charStyle-37455c2a ps621\">von Verm\u00f6genswerten, die zum Ende der Periode <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss183\"><span class=\"f charStyle-37455c2a ps621\">gehalten werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5793 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5794 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5795 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5796 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5797 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps525 ss396\"><div><div class=\"ps624 ss183\"><span class=\"f charStyle-37455c2a ps621\">von Verm\u00f6genswerten, die zum Ende der Periode <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss183\"><span class=\"f charStyle-37455c2a ps621\">nicht mehr gehalten werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5798 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5799 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5800 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5801 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5802 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">K\u00e4ufe/Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5803 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5804 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5805 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5806 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5807 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Tilgungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5808 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps1229\">-114<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5809 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5810 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5811 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5812 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4144 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Verk\u00e4ufe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5813 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5814 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5815 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5816 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5817 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsumrechnung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5818 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5819 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5820 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5821 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5822 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5603 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderung Konsolidierungskreis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5823 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5824 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5825 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5826 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-64<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5827 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5610 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Stand 31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5828 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">479<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5829 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5830 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5831 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5832 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"padding:0\"><div class=\"ps278 ss391\"><div><div class=\"ps2029 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3309 ss203\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3312 ss203\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps3132 ss393\"><div><div class=\"ps40 ss392\"><span class=\"f charStyle-37455c2a ps5748\">Im sonstigen Ergebnis ausgewiesene <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss392\"><span class=\"f charStyle-37455c2a ps5749\">zum beizulegenden Zeitwert </span></div><div class=\"ps2027 ss392\"><span class=\"f charStyle-37455c2a ps5750\">bewertete finanzielle </span></div><div class=\"ps2029 ss392\"><span class=\"f charStyle-37455c2a ps5751\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3028 ss203\"><div><div class=\"ps2029 ss151\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:66.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps854 ss397\"><div><div class=\"ps4555 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5758 ss398\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-d8d10933 ps5834\">Erfolgswirksam <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-d8d10933 ps5835\">verpflichtend zum </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-d8d10933 ps5836\">beizulegenden </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-d8d10933 ps5837\">Zeitwert </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-d8d10933 ps5838\">bewertete </span></div><div class=\"ps2033 ss151\"><span class=\"f charStyle-d8d10933 ps5839\">finanzielle </span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-d8d10933 ps5840\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5765 ss398\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-d8d10933 ps5834\">Erfolgswirksam <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-d8d10933 ps5841\">zum </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-d8d10933 ps5836\">beizulegenden </span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-d8d10933 ps5837\">Zeitwert </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-d8d10933 ps5838\">bewertete </span></div><div class=\"ps2033 ss151\"><span class=\"f charStyle-d8d10933 ps5839\">finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-d8d10933 ps5840\">Verm\u00f6genswerte </span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5766 ss398\"><div><div class=\"ps2035 ss151\"><span class=\"f charStyle-37455c2a ps4616\">Schuldtitel<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5773 ss398\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps5767\">Unternehmen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps5768\">mit </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps5769\">Beteiligungs-</span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps5770\">verh\u00e4ltnis und </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps5771\">andere </span></div><div class=\"ps2033 ss151\"><span class=\"f charStyle-37455c2a ps5772\">Eigenkapital-<span class=\"f ps37\"> </span></span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5776 ss398\"><div><div class=\"ps2033 ss151\"><span class=\"f charStyle-d8d10933 ps5774\">Finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-d8d10933 ps5775\">Verbindlichkeiten</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3230 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Stand 01.01.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5842 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">514<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5843 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5844 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5845 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">115<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5846 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">24<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5339 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsgewinne (Verluste) im Konzern\u00fcberschuss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2356 ss396\"><div><div class=\"ps624 ss183\"><span class=\"f charStyle-37455c2a ps621\">von Verm\u00f6genswerten, die zum Ende der Periode <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss183\"><span class=\"f charStyle-37455c2a ps621\">gehalten werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5847 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5848 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5849 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5850 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5851 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2359 ss396\"><div><div class=\"ps624 ss183\"><span class=\"f charStyle-37455c2a ps621\">von Verm\u00f6genswerten, die zum Ende der Periode <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss183\"><span class=\"f charStyle-37455c2a ps621\">nicht mehr gehalten werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3577 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3578 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3579 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3580 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3581 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4786 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Bewertungsgewinne/-verluste im Sonstigen Ergebnis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4962 ss396\"><div><div class=\"ps624 ss183\"><span class=\"f charStyle-37455c2a ps621\">von Verm\u00f6genswerten, die zum Ende der Periode <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss183\"><span class=\"f charStyle-37455c2a ps621\">gehalten werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5852 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5853 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4970 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5854 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5855 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5856 ss396\"><div><div class=\"ps624 ss183\"><span class=\"f charStyle-37455c2a ps621\">von Verm\u00f6genswerten, die zum Ende der Periode <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss183\"><span class=\"f charStyle-37455c2a ps621\">nicht mehr gehalten werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5857 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5858 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5859 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5860 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5861 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2126 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">K\u00e4ufe/Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5862 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">73<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5863 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5864 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5865 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5866 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2134 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Tilgungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5867 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5868 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5869 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5870 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5871 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3357\">-20<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2142 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Verk\u00e4ufe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5872 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5873 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5874 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5875 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5876 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2150 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungsumrechnung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5877 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5878 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5879 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5880 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5881 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2158 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">\u00c4nderung Konsolidierungskreis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5882 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5883 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5884 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5885 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3320\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5886 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2166 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Stand 31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5887 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">577<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5888 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5889 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5890 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">116<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5891 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5892 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Bewertungen (inklusive der Parametrisierungen der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5893 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">beobachtbaren Parameter) erfolgen durch einen vom Markt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5894 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">unabh\u00e4ngigen Marktfolgebereich innerhalb des Risikoressorts</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps5895 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">auf monatlicher Basis. Aufgetretene \u00c4nderungen werden,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5896 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">soweit m\u00f6glich, mit am Markt beobachtbaren Referenzen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5897 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:121.71pt\">verglichen und plausibilisiert.</span></div><div class=\"ps5898 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Quantitative und qualitative Informationen zur Bewertung </span></div><div class=\"ps5899 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">von Level-3-Finanzinstrumenten </span></div><div class=\"ps5900 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Der wesentliche, nicht direkt beobachtbare Inputfaktor bei</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5901 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">den Emissionen der BAWAG P.S.K. Wohnbaubank und der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps5902 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">ehemaligen IMMO-BANK ist der Spread-Aufschlag auf die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps5903 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Swapkurve, der zur Bestimmung der Risk-Adjusted Discount</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps5904 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Curve herangezogen wird. Der Fair Value ermittelt sich in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5905 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">weiterer Folge durch Diskontierung der zuk\u00fcnftigen Cashflows</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps5906 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">mit der Risk-Adjusted Discount Curve. Der Brutto-Spread-</span></div><div class=\"ps5907 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Aufschlag f\u00fcr Emissionen der BAWAG P.S.K. Wohnbaubank ist</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps5908 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">laufzeitabh\u00e4ngig und betr\u00e4gt aktuell f\u00fcr 5 Jahre 67 Basispunkte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps5909 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">(Mid) (31. Dezember 2024: 83 Basispunkte). F\u00fcr Emissionen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">der ehemaligen IMMO-BANK h\u00e4ngen die Spreads vom Rang</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:104.77pt\">und von der F\u00e4lligkeit ab.</span></div><div class=\"ps5912 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Grunds\u00e4tzlich ist der angef\u00fchrte Inputparameter von der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5913 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">generellen Marktentwicklung der Credit Spreads innerhalb des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bankensektors bzw. im Detail von der Bonit\u00e4tsentwicklung der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps5915 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wohnbaubanken abh\u00e4ngig, wobei eine Ausweitung der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps5916 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:157.78pt\">Spreads eine positive Auswirkung hat.</span></div><div class=\"ps5917 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Fair-Value-Kredite werden grunds\u00e4tzlich \u00fcber die Discounted-</span></div><div class=\"ps5918 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Cashflow-Methode (DCF) bewertet. Sind Ober- oder</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5892 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Untergrenzen oder einfache K\u00fcndigungsoptionen vorhanden,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps5893 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">werden diese mittels Bachelier-Modell abgebildet. Der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps5894 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Discountfaktor, welcher in der DCF verwendet wird, setzt sich</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps5895 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">aus mehreren Parametern zusammen: der Funding-Kurve</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps5896 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">(abgeleitet aus einer Peergroup europ\u00e4ischer Banken mit</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps5897 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">demselben Rating wie die BAWAG P.S.K.) und einer</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps5919 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">kundenspezifischen Credit-Spread-Kurve (abgeleitet je nach</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps5898 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verf\u00fcgbarkeit aus CDS- oder Bloomberg Bond-Sektor-Kurve;</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps5899 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">bei Retail und KMU aus intern abgeleiteter</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps5900 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Ausfallswahrscheinlichkeit), welche um den jeweiligen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps5901 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:141.16pt\">Besicherungsgrad angepasst wird.</span></div><div class=\"ps5903 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Bei den illiquiden Fonds, die nicht zeitnah zu den</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps5904 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">ver\u00f6ffentlichten Net Asset Values ver\u00e4u\u00dfert werden konnten,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps5905 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">kommt als nicht direkt beobachtbarer Inputfaktor ein Abschlag</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps5906 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">zur Anwendung, der dem zu erwartenden Verkaufskurs</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps5907 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Rechnung tr\u00e4gt. Der Fair Value ermittelt sich in weiterer Folge</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps5908 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">als Differenz des Net Asset Values und dieses</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps5909 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Liquidit\u00e4tsabschlags. Der Ausweis erfolgt unter Erfolgswirksam</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps5910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">verpflichtend zum beizulegenden Zeitwert bewertete</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps5911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:118.97pt\">finanzielle Verm\u00f6genswerte.</span></div><div class=\"ps5912 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Der beizulegende Zeitwert von zwei nicht gehandelten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps5913 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Investmentfonds basiert auf den vom Fondsmanager</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps5914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:167.62pt\">bereitgestellten Marktpreisnotierungen.</span><span class=\"f charStyle-34546584 ps5920\" style=\"width:2.36pt\"> </span></div><div class=\"ps5916 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Bei Immobilienfonds werden die zugrunde liegenden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps5921 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Investitionen mindestens j\u00e4hrlich von einem unabh\u00e4ngigen,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps5917 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">vom Fondsmanager beauftragten Gutachter bewertet, der Net</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps5918 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Asset Value (NAV) wird mindestens viertelj\u00e4hrlich ermittelt.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Der Net Asset Value des Investmentfonds entspricht dem</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">\u00dcberschuss des Wertes der Verm\u00f6genswerte des</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:239.62pt\">Investmentfonds \u00fcber den Wert seiner Verbindlichkeiten.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Fonds, die in Kreditportfolios investieren, werden von einem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">unabh\u00e4ngigen externen Experten auf der Grundlage einer DCF-</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Methode bewertet, die eigene Ausfalls- und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Vorauszahlungsmodelle verwendet, um die erwarteten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Cashflows abzuleiten, die zu einem Marktzinssatz diskontiert</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden. Das Modell verwendet Kredit- und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Leistungsindikatoren sowie makro\u00f6konomische Indikatoren,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">um die Cashflows f\u00fcr jeden Kreditpool, segmentiert nach</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Herkunft, Alter, Unterklasse und Laufzeit, zu prognostizieren.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:221.39pt\">Der Fondswert wird auf monatlicher Basis berechnet.</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Jahresabschl\u00fcsse des Fonds werden nach lokalen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Vorschriften erstellt. Es erfolgt eine j\u00e4hrliche Pr\u00fcfung der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Fonds durch einen unabh\u00e4ngigen Wirtschaftspr\u00fcfer, um die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:245.08pt\">Richtigkeit der oben genannten Angaben zu gew\u00e4hrleisten.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">F\u00fcr die Bewertung eines signifikanten Teils der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Eigenkapitalinstrumente werden die Dividend-Discount-</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Methode sowie die Discounted-Earnings-Methode verwendet.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ein kleinerer Teil wird auf Basis externer Preisangaben oder</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:158.12pt\">des anteiligen Eigenkapitals bewertet.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Erwartete Dividenden und Ertr\u00e4ge sowie externe</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Preisindikationen ber\u00fccksichtigen die aktuellsten Forecasts,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">einschlie\u00dflich der beobachteten und erwarteten Auswirkungen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">der aktuellen geopolitischen Lage auf die Rentabilit\u00e4t der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:118.2pt\">betreffenden Unternehmen.</span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die Ermittlung der Fair Values von Kundenverbindlichkeiten,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die erfolgswirksam zum beizulegenden Zeitwert bilanziert</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">werden, erfolgt analog zu den Forderungen nach der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:244.55pt\">Discounted-Cashflow-Methode und dem Bachelier-Modell.</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sensitivit\u00e4tsanalyse der Fair-Value-Bewertung bei </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">\u00c4nderungen der nicht beobachtbaren Parameter</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Wenn der Wert eines Finanzinstruments von nicht</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">beobachtbaren Parametern abh\u00e4ngt, k\u00f6nnen diese Parameter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">aus einer Bandbreite von alternativen Parametrisierungen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">gew\u00e4hlt werden. Die aktuelle geopolitische Lage f\u00fchrt zu einer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">erh\u00f6hten Unsicherheit in Bezug auf nicht beobachtbare</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Parameter und die Messung des Fair Value dieser Positionen.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verbindlichkeiten in Level 3, die zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bewertet werden, betreffen Emissionen der BAWAG P.S.K.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wohnbaubank und der ehemaligen IMMO-BANK und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:249.27pt\">Kundenverbindlichkeiten der start:bausparkasse \u00d6sterreich.</span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Wenn man den Kreditrisikoaufschlag bei der Bewertung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Eigenen Emissionen um 20 Basispunkte erh\u00f6ht, h\u00e4tte sich das</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">kumulierte Bewertungsergebnis zum 31. Dezember 2025 um</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">0,0\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: 0,0\u00a0Mio.\u00a0\u20ac) verbessert. Wenn</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">man den Kreditrisikoaufschlag bei der Bewertung der eigenen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Emissionen um 20 Basispunkte vermindert, h\u00e4tte sich das</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">kumulierte Bewertungsergebnis zum 31. Dezember 2025 um</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:242.77pt\">0,0\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: 0,0\u00a0Mio.\u00a0\u20ac) verschlechtert.</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Der Anteil der kumulierten Fair-Value-\u00c4nderung von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">erfolgswirksam zum beizulegenden Zeitwert bewerteten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Forderungen, der sich nur aufgrund von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Bonit\u00e4tsver\u00e4nderungen ergeben hat, betr\u00e4gt zum</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">31.\u00a0Dezember 2025 +7,1\u00a0Mio.\u00a0\u20ac (31. Dezember 2024:</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">+4,2\u00a0Mio.\u00a0\u20ac) und wird als \u00c4nderung des Spreads \u00fcber der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Swapkurve in der beobachteten Periode definiert. Der Anteil</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">der entsprechenden j\u00e4hrlichen Fair-Value-\u00c4nderung betr\u00e4gt</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:210.81pt\">+2,9\u00a0Mio.\u00a0\u20ac (zum 31. Dezember 2024: +2,1\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Bei einer Verengung des Credit Spreads um einen Basispunkt</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">w\u00fcrde sich eine Bewertungsver\u00e4nderung von +0,05\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:183.53pt\">ergeben (31. Dezember 2024: +0,06\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wenn man den Kreditrisikoaufschlag bei der Bewertung der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Kredite um 100 Basispunkte erh\u00f6ht, h\u00e4tte sich das kumulierte</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bewertungsergebnis zum 31. Dezember 2025 um 4,3\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">(31. Dezember 2024: 5,6\u00a0Mio.\u00a0\u20ac) verschlechtert. Wenn man</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">den Kreditrisikoaufschlag bei der Bewertung der Kredite um</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">100 Basispunkte vermindert, h\u00e4tte sich das kumulierte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bewertungsergebnis zum 31. Dezember 2025 um 4,8\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:182.79pt\">(31. Dezember 2024: 6,2\u00a0Mio.\u00a0\u20ac) verbessert.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Wenn man den Liquidit\u00e4tsabschlag der illiquiden Fonds um</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">10\u00a0Prozentpunkte erh\u00f6ht, h\u00e4tte sich das Bewertungsergebnis</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">zum 31. Dezember 2025 um 0,1 Mio.\u00a0\u20ac (31. Dezember 2024:</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">0,3\u00a0Mio.\u00a0\u20ac) verschlechtert. Wenn man den Liquidit\u00e4tsabschlag</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">der illiquiden Fonds um 10 Prozentpunkte vermindert, h\u00e4tte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">sich das Bewertungsergebnis zum 31. Dezember 2025 um</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:226.96pt\">0,1\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: 0,3\u00a0Mio.\u00a0\u20ac) verbessert.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">F\u00fcr die Bewertung eines Teils der Eigenkapitalinstrumente sind</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">die wesentlichen Inputparameter der Diskontierungsfaktor,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Dividendenertr\u00e4ge bzw. Ertr\u00e4ge und auch (m\u00f6glicherweise)</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">notwendige Kapitalma\u00dfnahmen. Wenn der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Diskontierungsfaktor um 100 Basispunkte sinkt, w\u00fcrde der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">beizulegende Zeitwert um 7,7\u00a0Mio.\u00a0\u20ac steigen (davon 1,9\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">FVTOCI und 5,8\u00a0Mio.\u00a0\u20ac FVTPL) (31. Dezember 2024: um</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">3,3\u00a0Mio.\u00a0\u20ac; davon 1,5\u00a0Mio.\u00a0\u20ac FVTOCI und 1,8\u00a0Mio.\u00a0\u20ac FVTPL);</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">steigt der Diskontierungsfaktor um 100 Basispunkte, w\u00fcrde</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">der beizulegende Zeitwert um 5,9\u00a0Mio.\u00a0\u20ac sinken (davon</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">1,4\u00a0Mio.\u00a0\u20ac FVTOCI und 4,5\u00a0Mio.\u00a0\u20ac FVTPL) (31. Dezember 2024:</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">um 2,5\u00a0Mio.\u00a0\u20ac; davon 1,1\u00a0Mio.\u00a0\u20ac FVTOCI und 1,4\u00a0Mio.\u00a0\u20ac FVTPL).</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wenn die Ver\u00e4nderung der Dividendenertr\u00e4ge bzw.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Nettogewinne dort wo anwendbar um 20% steigt, w\u00fcrde der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">beizulegende Zeitwert dieses Finanzverm\u00f6gens um 2,0\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.97pt\">steigen (davon 0,7\u00a0Mio.\u00a0\u20ac FVTOCI und 1,3\u00a0Mio.\u00a0\u20ac FVTPL)</span><span class=\"f charStyle-34546584 ps237\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(31.\u00a0Dezember 2024: um 0,7\u00a0Mio.\u00a0\u20ac; davon 0,3\u00a0Mio.\u00a0\u20ac FVTOCI</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">und 0,4\u00a0Mio.\u00a0\u20ac FVTPL); wenn die Ver\u00e4nderung der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Dividendenertr\u00e4ge bzw. Nettogewinne dort wo anwendbar um</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">20% f\u00e4llt, w\u00fcrde der beizulegende Zeitwert um 1,9\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">fallen (davon 0,6\u00a0Mio.\u00a0\u20ac FVTOCI und 1,3\u00a0Mio.\u00a0\u20ac FVTPL)</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(31.\u00a0Dezember 2024: um 0,7\u00a0Mio.\u00a0\u20ac; davon 0,3\u00a0Mio.\u00a0\u20ac FVTOCI</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:93.32pt\">und 0,4\u00a0Mio.\u00a0\u20ac FVTPL).</span></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Ein Teil der Eigenkapitalinstrumente wird auf Basis externer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Preisangaben bewertet. Wenn diese Indikationen um 10%</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">niedriger w\u00e4ren, w\u00fcrde der beizulegende Zeitwert dieses Teils</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.96pt\">um 9,3\u00a0Mio.\u00a0\u20ac fallen (2,7\u00a0Mio.\u00a0\u20ac FVTOCI und 6,6\u00a0Mio.\u00a0\u20ac FVTPL)</span><span class=\"f charStyle-34546584 ps917\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">(31. Dezember 2024: um 15,8\u00a0Mio.\u00a0\u20ac; davon 9,5\u00a0Mio.\u00a0\u20ac FVTOCI</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und 6,3\u00a0Mio.\u00a0\u20ac FVTPL). W\u00e4ren diese Indikationen um 10%</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">h\u00f6her, w\u00fcrde sich der beizulegende Zeitwert dieses Teils um</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">9,4\u00a0Mio.\u00a0\u20ac erh\u00f6hen (davon 3,0\u00a0Mio.\u00a0\u20ac FVTOCI und 6,4\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">FVTPL) (31. Dezember 2024: um 15,8\u00a0Mio.\u00a0\u20ac; davon 9,5\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.87pt\">FVTOCI und 6,3\u00a0Mio.\u00a0\u20ac FVTPL).</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Der kleinste Teil wird auf Basis des anteiligen Eigenkapitals</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">bewertet. W\u00e4re das Eigenkapital um 10% niedriger, w\u00fcrde dies</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zu einem R\u00fcckgang um 1,0\u00a0Mio.\u00a0\u20ac (davon 0,7\u00a0Mio.\u00a0\u20ac FVTOCI</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">und 0,3\u00a0Mio.\u00a0\u20ac FVTPL) (31. Dezember 2024: um 1,3\u00a0Mio.\u00a0\u20ac;</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">davon 1,0\u00a0Mio.\u00a0\u20ac FVTOCI und 0,3\u00a0Mio.\u00a0\u20ac FVTPL) bzw. bei einem</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">um 10% h\u00f6heren Eigenkapital zu einem Anstieg um 1,0\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">f\u00fchren (davon 0,7\u00a0Mio.\u00a0\u20ac FVTOCI und 0,3\u00a0Mio.\u00a0\u20ac FVTPL)</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">(31.\u00a0Dezember 2024: um 1,3\u00a0Mio.\u00a0\u20ac; davon 1,0\u00a0Mio.\u00a0\u20ac FVTOCI</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:93.32pt\">und 0,3\u00a0Mio.\u00a0\u20ac FVTPL).</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Der beizulegende Zeitwert eines nicht gehandelten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Investmentfonds basiert auf den vom Fondsmanager</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">bereitgestellten Marktpreisnotierungen. Der eine Fonds hat,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">basierend auf der aktuellen Portfolioallokation, eine erwartete</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zinssensitivit\u00e4t von etwa -0,0\u00a0Mio.\u00a0\u20ac (31. Dezember 2024:</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">-0,1\u00a0Mio.\u00a0\u20ac) bei einem Anstieg der Zinss\u00e4tze um 100</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Basispunkte und eine Credit-Spread-Sensitivit\u00e4t von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">-0,0\u00a0Mio.\u00a0\u20ac (31. Dezember 2024: -0,1\u00a0Mio.\u00a0\u20ac) bei einer</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Ausweitung der Credit Spreads um 100 Basispunkte (und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:51.13pt\">umgekehrt).</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">F\u00fcr den anderen Fonds gilt: wenn der angegebene Marktwert</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">um 10% steigen w\u00fcrde, w\u00fcrde der Konzern einen Gewinn von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">15,2\u00a0Mio.\u00a0\u20ac in der Gewinn- und Verlustrechnung ausweisen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(31. Dezember 2024: 17,6\u00a0Mio.\u00a0\u20ac). Wenn der angegebene</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Marktwert um 10% sinken w\u00fcrde, w\u00fcrde der Konzern einen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verlust von 15,2\u00a0Mio.\u00a0\u20ac in der Gewinn- und Verlustrechnung</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:188.21pt\">verbuchen (31. Dezember 2024: 17,6\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Fair-Value-Ver\u00e4nderungen von Level-3-Aktiva bei alternativer </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Parametrisierung</span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zur Ermittlung der potenziellen Auswirkungen werden f\u00fcr</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Schuldverschreibungen, Ertragsfonds mit dem Risikofaktor</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Credit Spreads sowie Kredite, Credit Spreads herangezogen.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">F\u00fcr diese wird in der Sensitivit\u00e4tsanalyse der Wertebereich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zwischen +100 bp und -50 bp verwendet. Eine Erh\u00f6hung (eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verringerung) der Spreads f\u00fchrt zu einer Verringerung (einer</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:148.41pt\">Erh\u00f6hung) des jeweiligen Fair Value</span><span class=\"f charStyle-34546584 ps5922\" style=\"width:2.62pt\">.</span></div><div class=\"ps4363 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:366.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss40\"><div><div class=\"ps4211 ss38\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss38\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps3436\">-50 bp<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5923\">+50 bp<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5924\">+100 bp<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-4,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-4,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Income-Fonds<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss40\"><div><div class=\"ps624 ss38\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss38\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps319 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps322 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps323 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps324 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps5925 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:366.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss40\"><div><div class=\"ps4211 ss38\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss38\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps3436\">-50 bp<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5923\">+50 bp<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps5924\">+100 bp<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2626\">3,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-2,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps1720\">-5,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-5,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Income-Fonds<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss40\"><div><div class=\"ps624 ss38\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss38\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps450 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps451 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps319 ss41\"><div><div class=\"ps291 ss38\"><span class=\"f charStyle-37455c2a ps36\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps322 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps323 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps324 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFairValueOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-764": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Behandlung eines Day 1 gain</span><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">IIFRS 9.B5.1.2A besagt, dass der beizulegende Zeitwert beim</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">erstmaligen Ansatz normalerweise dem Transaktionspreis</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">entspricht. Stellt das Unternehmen fest, dass zwischen dem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beizulegenden Zeitwert beim erstmaligen Ansatz und dem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1242 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Transaktionspreis eine Differenz besteht und der beizulegende</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1049 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zeitwert nicht auf einer Bewertungstechnik basiert, die nur</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1050 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Daten aus beobachtbaren M\u00e4rkten verwendet, so wird der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1051 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Buchwert des Finanzinstruments beim erstmaligen Ansatz</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1052 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">angepasst. Wenn der beizulegende Zeitwert eines</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1053 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kreditportfolios nicht dem Transaktionspreis entspricht, so</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1054 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">muss der erstmalige Ansatz zum beizulegenden Zeitwert</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1055 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">erfolgen, allerdings angepasst um einen etwaigen Day 1 gain</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1056 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">oder loss. Dies f\u00fchrt somit zu einem Buchwert des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:228.28pt\">Kreditportfolios, der dem Transaktionspreis entspricht.</span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Im Fall des Kaufes von einigen Kreditportfolien wichen die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Marktzinss\u00e4tze zum Transaktionsdatum von den</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Marktzinss\u00e4tzen zum Zeitpunkt der Preisverhandlungen ab. In</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">den meisten F\u00e4llen wollte sich der Verk\u00e4ufer aus dem</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">entsprechenden Gesch\u00e4ftsfeld zur\u00fcckziehen, weshalb der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Transaktionspreis nicht dem beizulegenden Zeitwert der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kredite entsprach. Der Erstansatz der \u00fcbernommenen Kredite</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">und Forderungen erfolgte zum beizulegenden Zeitwert mittels</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">DCF-Methode unter Ber\u00fccksichtigung aktueller</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Marktbedingungen zum Erwerbszeitpunkt. Da der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">beizulegende Zeitwert und daher auch der Day 1 gain oder loss</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">weder auf einer Marktpreisnotierung noch auf der Grundlage</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">einer Bewertungstechnik basieren, die nur Daten aus</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">beobachtbaren M\u00e4rkten verwendet, darf der Day 1 gain oder</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">loss nicht sofort realisiert, sondern muss abgegrenzt werden.</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Diese abgegrenzte Differenz darf nur in dem Umfang als</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Gewinn oder Verlust angesetzt werden, in dem sie aus einer</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Ver\u00e4nderung eines Faktors (einschlie\u00dflich des Faktors Zeit)</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">entsteht, den Marktteilnehmer bei einer Preisfestlegung</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">beachten w\u00fcrden. In IFRS 9 finden sich keine Angaben</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:242.19pt\">dar\u00fcber, wie diese Differenz nachfolgend zu bemessen ist.</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die IFRS liefern keine Hinweise hinsichtlich der Darstellung der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">Amortisierung von Day 1 gains oder losses. Die BAWAG weist</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">die systematische Amortisation der Day 1 gains oder losses</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">von nicht notleidenden Krediten unter dem Posten Zinsertr\u00e4ge</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">und jene von POCI-Krediten unter dem Posten Risikokosten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">aus. Die folgenden Differenzen werden in den n\u00e4chsten Jahren</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:97.2pt\">in den Ertr\u00e4gen erfasst:</span><span class=\"f charStyle-34546584 ps5926\" style=\"width:2.36pt\"> </span></div><div class=\"ps3714 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Stand zu Beginn der Periode<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Neue Transaktionen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Betr\u00e4ge, die in der Periode in der Gewinn- und Verlustrechnung erfasst wurden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrungseffekte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Stand am Ende der Periode<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForRecognisingDifferenceBetweenFairValueAtInitialRecognitionAndAmountDeterminedUsingValuationTechniqueExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-765": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Angaben zu nahestehenden Personen und </span><div class=\"ps5928 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Unternehmen</span></div><div class=\"ps3998 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Eigent\u00fcmer der BAWAG Group AG</span></div><div class=\"ps4000 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Die Aktien der BAWAG Group AG sind zum Handel an der</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps5929 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:106.34pt\">Wiener B\u00f6rse zugelassen.</span></div><div class=\"ps5930 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Wesentliche nicht vollkonsolidierte Tochtergesellschaften, </span></div><div class=\"ps5931 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Joint Ventures und Beteiligungen der BAWAG</span></div><div class=\"ps5933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">PCT Nominee Owner LLC</span></div><div class=\"ps5934 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG h\u00e4lt indirekt 26,05% an der PCT Nominee Owner</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps5935 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">LLC, welche eine Kommerzimmobilie in den Vereinigten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps5936 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Staaten h\u00e4lt. Ein Kredit wurde mittels Debt/Equity Conversion</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps5937 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">in einen Eigenkapitalanteil an der PCT Nominee Owner LLC</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps5939 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:59.65pt\">umgewandelt.</span><span class=\"f charStyle-34546584 ps5938\" style=\"width:2.36pt\"> </span></div><div class=\"ps5940 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">PSA Payment Services Austria GmbH</span></div><div class=\"ps5941 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die BAWAG h\u00e4lt 20,82% an der PSA Payment Services Austria</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps5942 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">GmbH. Die PSA Payment Services Austria steht im Eigentum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps5943 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">mehrerer \u00f6sterreichischer Banken und Bankengruppen. Die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2909 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">PSA ist im Service und der Organisation des</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps2910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Bankomatkartenbetriebes t\u00e4tig und wird in der BAWAG at-</span></div><div class=\"ps2911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:70.1pt\">equity bilanziert.</span></div><div class=\"ps2913 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Best Egg Inc.</span></div><div class=\"ps2914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die BAWAG h\u00e4lt indirekt 32,41% an der Best Egg Inc., einer</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2915 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">f\u00fchrenden US-amerikanischen Plattform f\u00fcr</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2916 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:84.63pt\">Privatkreditvergabe.</span></div><div class=\"ps2917 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps185\">Sonstige Unternehmen</span></div><div class=\"ps2918 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Eine Liste aller nicht konsolidierten Gesellschaften wird unter</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps2920 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:82.52pt\">Note 50 dargestellt.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Gesch\u00e4ftsbeziehungen mit nahestehenden Unternehmen</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Im Folgenden werden die Gesch\u00e4ftsbeziehungen mit</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">nahestehenden Unternehmen dargestellt (Bilanzzahlen per</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:212.6pt\">31.\u00a0Dezember 2025; Ganzjahres-GuV-Zahlen 2025):</span></div><div class=\"ps6009 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:84.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss400\"><div><div class=\"ps5944 ss399\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps5945 ss399\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps5948 ss401\"><div><div class=\"ps2037 ss151\"><span class=\"f charStyle-37455c2a ps5946\">Mutter-<span class=\"f ps37\"> </span></span></div><div class=\"ps4735 ss151\"><span class=\"f charStyle-37455c2a ps5947\">unternehmen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss401\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-37455c2a ps5949\">Unternehmen, <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-37455c2a ps4609\">unter deren </span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-37455c2a ps5950\">gemeinschaftli-</span></div><div class=\"ps2029 ss151\"><span class=\"f charStyle-37455c2a ps5951\">cher F\u00fchrung </span></div><div class=\"ps2031 ss151\"><span class=\"f charStyle-37455c2a ps5952\">oder </span></div><div class=\"ps2033 ss151\"><span class=\"f charStyle-37455c2a ps520\">ma\u00dfgeblichem </span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-37455c2a ps5953\">Einfluss das </span></div><div class=\"ps2037 ss151\"><span class=\"f charStyle-37455c2a ps5767\">Unternehmen </span></div><div class=\"ps4735 ss151\"><span class=\"f charStyle-37455c2a ps5954\">steht</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss401\"><div><div class=\"ps2033 ss151\"><span class=\"f charStyle-37455c2a ps4899\">Verbundene, <span class=\"f ps37\"> </span></span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-37455c2a ps5955\">nicht </span></div><div class=\"ps2037 ss151\"><span class=\"f charStyle-37455c2a ps5956\">konsolidierte </span></div><div class=\"ps4735 ss151\"><span class=\"f charStyle-37455c2a ps5767\">Unternehmen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss401\"><div><div class=\"ps2037 ss151\"><span class=\"f charStyle-37455c2a ps5465\">Assoziierte <span class=\"f ps37\"> </span></span></div><div class=\"ps4735 ss151\"><span class=\"f charStyle-37455c2a ps5767\">Unternehmen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss401\"><div><div class=\"ps4735 ss151\"><span class=\"f charStyle-37455c2a ps5957\">Joint Ventures<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss401\"><div><div class=\"ps2037 ss151\"><span class=\"f charStyle-37455c2a ps5958\">Sonstige <span class=\"f ps37\"> </span></span></div><div class=\"ps4735 ss151\"><span class=\"f charStyle-37455c2a ps5959\">Beteiligungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2253 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5960 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3364 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3365 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">34<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3366 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3367 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3105 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps726 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Nicht ausgen\u00fctzte Kreditrahmen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5961 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3368 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3369 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3370 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3371 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3111 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3112 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Wertpapiere und Beteiligungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5962 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5963 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5964 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5965 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5966 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3118 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4921 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Aktiva (inkl. Derivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5967 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5968 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5969 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4932 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5970 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5971 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4938 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5972 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5973 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5974 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4946 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5975 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5976 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5977 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Passiva (inkl. Derivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5978 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5979 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5980 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5981 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5982 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5983 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2833 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Gegebene Garantien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5984 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5985 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5986 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5987 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5988 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5989 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2836 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Zinsertr\u00e4ge1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5990 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5991 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5993 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps5992\">1,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5994 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5995 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5996 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1668 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Zinsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5997 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5998 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5999 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps5992\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6000 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6001 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6002 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1672 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Provisions\u00fcberschuss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6003 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6004 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6005 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6006 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6007 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6008 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"13\" style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1676 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">1 Bruttoertr\u00e4ge; Absicherungskosten nicht gegengerechnet.<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps348 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Im Folgenden werden die Gesch\u00e4ftsbeziehungen mit</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps349 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">nahestehenden Unternehmen dargestellt (Bilanzzahlen per</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps350 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:212.6pt\">31.\u00a0Dezember 2024; Ganzjahres-GuV-Zahlen 2024):</span></div><div class=\"ps6037 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:137.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:57.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:84.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss404\"><div><div class=\"ps5944 ss403\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps5945 ss403\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6010 ss401\"><div><div class=\"ps2037 ss151\"><span class=\"f charStyle-37455c2a ps5946\">Mutter-<span class=\"f ps37\"> </span></span></div><div class=\"ps4735 ss151\"><span class=\"f charStyle-37455c2a ps5947\">unternehmen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss406\"><div><div class=\"ps40 ss405\"><span class=\"f charStyle-37455c2a ps6011\">Unternehmen, <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss405\"><span class=\"f charStyle-37455c2a ps6012\">unter deren </span></div><div class=\"ps2027 ss405\"><span class=\"f charStyle-37455c2a ps4731\">gemeinschaftli-</span></div><div class=\"ps2029 ss405\"><span class=\"f charStyle-37455c2a ps6013\">cher F\u00fchrung </span></div><div class=\"ps2031 ss405\"><span class=\"f charStyle-37455c2a ps6014\">oder </span></div><div class=\"ps2033 ss405\"><span class=\"f charStyle-37455c2a ps4841\">ma\u00dfgeblichem </span></div><div class=\"ps2035 ss405\"><span class=\"f charStyle-37455c2a ps5772\">Einfluss das </span></div><div class=\"ps2037 ss405\"><span class=\"f charStyle-37455c2a ps6015\">Unternehmen </span></div><div class=\"ps4735 ss405\"><span class=\"f charStyle-37455c2a ps6016\">steht</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss401\"><div><div class=\"ps2033 ss151\"><span class=\"f charStyle-37455c2a ps4899\">Verbundene, <span class=\"f ps37\"> </span></span></div><div class=\"ps2035 ss151\"><span class=\"f charStyle-37455c2a ps5955\">nicht </span></div><div class=\"ps2037 ss151\"><span class=\"f charStyle-37455c2a ps5956\">konsolidierte </span></div><div class=\"ps4735 ss151\"><span class=\"f charStyle-37455c2a ps5767\">Unternehmen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss401\"><div><div class=\"ps2037 ss151\"><span class=\"f charStyle-37455c2a ps5465\">Assoziierte <span class=\"f ps37\"> </span></span></div><div class=\"ps4735 ss151\"><span class=\"f charStyle-37455c2a ps5767\">Unternehmen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss401\"><div><div class=\"ps4735 ss151\"><span class=\"f charStyle-37455c2a ps5957\">Joint Ventures<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss401\"><div><div class=\"ps2037 ss151\"><span class=\"f charStyle-37455c2a ps5958\">Sonstige <span class=\"f ps37\"> </span></span></div><div class=\"ps4735 ss151\"><span class=\"f charStyle-37455c2a ps5959\">Beteiligungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2253 ss407\"><div><div class=\"ps291 ss403\"><span class=\"f charStyle-37455c2a ps36\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6017 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2969 ss408\"><div><div class=\"ps291 ss405\"><span class=\"f charStyle-cc1eb9a4 ps6018\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3365 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">41<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3366 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3367 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3105 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps726 ss407\"><div><div class=\"ps291 ss403\"><span class=\"f charStyle-37455c2a ps36\">Nicht ausgen\u00fctzte Kreditrahmen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6019 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6020 ss408\"><div><div class=\"ps291 ss405\"><span class=\"f charStyle-cc1eb9a4 ps6018\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3369 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3370 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3371 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">29<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3111 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3112 ss407\"><div><div class=\"ps291 ss403\"><span class=\"f charStyle-37455c2a ps36\">Wertpapiere und Beteiligungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6021 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6022 ss408\"><div><div class=\"ps291 ss405\"><span class=\"f charStyle-cc1eb9a4 ps6018\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5964 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5965 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5966 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3118 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4921 ss407\"><div><div class=\"ps291 ss403\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Aktiva (inkl. Derivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6023 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6024 ss408\"><div><div class=\"ps291 ss405\"><span class=\"f charStyle-cc1eb9a4 ps6018\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5969 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4932 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5970 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5971 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4938 ss407\"><div><div class=\"ps291 ss403\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6025 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6026 ss408\"><div><div class=\"ps291 ss405\"><span class=\"f charStyle-cc1eb9a4 ps6018\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5974 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4946 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5975 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5976 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5977 ss407\"><div><div class=\"ps291 ss403\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Passiva (inkl. Derivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6027 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6028 ss408\"><div><div class=\"ps291 ss405\"><span class=\"f charStyle-cc1eb9a4 ps6018\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5980 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5981 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5982 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5983 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2833 ss407\"><div><div class=\"ps291 ss403\"><span class=\"f charStyle-37455c2a ps36\">Gegebene Garantien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6029 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6030 ss408\"><div><div class=\"ps291 ss405\"><span class=\"f charStyle-cc1eb9a4 ps6018\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5986 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5987 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5988 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5989 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2836 ss407\"><div><div class=\"ps291 ss403\"><span class=\"f charStyle-37455c2a ps36\">Zinsertr\u00e4ge1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6031 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6032 ss408\"><div><div class=\"ps291 ss405\"><span class=\"f charStyle-cc1eb9a4 ps6018\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5993 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps5992\">2,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5994 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps5992\">0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5995 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps5992\">1,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5996 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1668 ss407\"><div><div class=\"ps291 ss403\"><span class=\"f charStyle-37455c2a ps36\">Zinsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6033 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6034 ss408\"><div><div class=\"ps291 ss405\"><span class=\"f charStyle-cc1eb9a4 ps6018\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5999 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps5992\">0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6000 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6001 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6002 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1672 ss407\"><div><div class=\"ps291 ss403\"><span class=\"f charStyle-37455c2a ps36\">Provisions\u00fcberschuss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6035 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6036 ss408\"><div><div class=\"ps291 ss405\"><span class=\"f charStyle-cc1eb9a4 ps6018\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6005 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6006 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6007 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6008 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"13\" style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1676 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">1 Bruttoertr\u00e4ge; Absicherungskosten nicht gegengerechnet.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die Gesch\u00e4ftsbeziehungen zu diesen Unternehmen erfolgen zu</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps6039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:111.5pt\">bank\u00fcblichen Konditionen.</span></div><div class=\"ps6040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Der Beratungsaufwand gegen\u00fcber Unternehmen, unter deren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">gemeinschaftlicher F\u00fchrung oder ma\u00dfgeblichem Einfluss das</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Unternehmen steht, betrug im Gesch\u00e4ftsjahr 2025 0,0\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:76.46pt\">(2024: 0,0\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps6038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">F\u00fcr Kredite mit nahestehenden Unternehmen gab es im</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps6039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gesch\u00e4ftsjahr 2025 keine Bewertungsverluste (2024: keine</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps6044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:88.71pt\">Bewertungsverluste).</span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Angaben zu nat\u00fcrlichen Personen</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Key </span><span class=\"f charStyle-8bc56e46 ps6045\">Management</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Unter Key Management sind in der BAWAG die Vorstands- und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Aufsichtsratsmitglieder der BAWAG Group AG und der BAWAG</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">P.S.K. AG zu verstehen. Die gesamten Personalaufwendungen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">f\u00fcr das Key Management betragen 48,2\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:52.72pt\">42,8\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Der Aufwand f\u00fcr die Bez\u00fcge des aktiven Vorstands der BAWAG</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Group AG und des Vorstands der BAWAG P.S.K. AG (inklusive</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">des abgegrenzten und noch nicht ausbezahlten Bonus und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Einzahlungen in die Pensionskasse) betrug im abgelaufenen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Jahr 46,3\u00a0Mio.\u00a0\u20ac (2024: 41,2\u00a0Mio.\u00a0\u20ac). Davon entfielen</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">18,9\u00a0Mio.\u00a0\u20ac auf kurzfristige Verg\u00fctungen, 24,7\u00a0Mio.\u00a0\u20ac auf</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwendungen im Zusammenhang mit langfristigen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Bonusverg\u00fctungen (davon betreffen 11,3\u00a0Mio.\u00a0\u20ac den 2025</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aufwandswirksamen Teil der Gesamtbonusverg\u00fctung 2025 von</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">30,3\u00a0Mio.\u00a0\u20ac [inklusive zu verteilender Betr\u00e4ge], 13,4\u00a0Mio.\u00a0\u20ac den</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">2025 aufwandswirksamen Teil der 2024, 2023, 2022 und 2021</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">gew\u00e4hrten Bonusverg\u00fctung) und 2,8\u00a0Mio.\u00a0\u20ac auf Einzahlungen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">in die Pensionskasse. (2024: 21,1\u00a0Mio.\u00a0\u20ac auf kurzfristige</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verg\u00fctungen, 17,1 Mio.\u00a0\u20ac auf Aufwendungen im</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zusammenhang mit langfristigen Bonusverg\u00fctungen [davon</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">betreffen 10,9\u00a0Mio.\u00a0\u20ac den 2024 aufwandswirksamen Teil der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Gesamtbonusverg\u00fctung 2024 von 18,5\u00a0Mio.\u00a0\u20ac [inklusive zu</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">verteilender Betr\u00e4ge], 6,2 Mio.\u00a0\u20ac den 2024</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">aufwandswirksamen Teil der 2023, 2022 und 2021 gew\u00e4hrten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Bonusverg\u00fctung] und 3,1\u00a0Mio.\u00a0\u20ac auf Einzahlungen in die</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Pensionskasse). Der Aufwand f\u00fcr die Bez\u00fcge von ehemaligen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Vorstandsmitgliedern betrug im abgelaufenen Jahr 0,0\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:76.46pt\">(2024: 0,0\u00a0Mio.\u00a0\u20ac).</span><span class=\"f charStyle-34546584 ps6046\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zum 31. Dezember 2025 bestanden bei allen Vorst\u00e4nden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vertragliche Regelungen, die Beitragszahlungen in eine</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:102.82pt\">Pensionskasse vorsehen.</span><span class=\"f charStyle-34546584 ps6047\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Im Jahr 2022 wurde ein langfristiges</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Incentivierungsprogramm, welches zu 100% in Aktien erf\u00fcllt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden soll, f\u00fcr den Vorstand und ausgew\u00e4hlte Mitarbeiter</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">implementiert (BAWAG LTIP 2025). Bez\u00fcge aus diesem</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Programm sind in den oben genannten Betr\u00e4gen nicht</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">inkludiert und werden im folgenden Abschnitt zu</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:172.39pt\">anteilsbasierten Verg\u00fctungen dargestellt.</span><span class=\"f charStyle-34546584 ps6048\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zum Bilanzstichtag haften drei Kredite in H\u00f6he von 20,6\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">an Mitglieder des Vorstands aus (2024: drei Kredite in H\u00f6he</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">von 21,4\u00a0Mio.\u00a0\u20ac). Die Summe der Kredite, Bauspardarlehen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">bzw. Leasingfinanzierungen an Mitglieder des Aufsichtsrats</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">belief sich auf 0,0\u00a0Mio.\u00a0\u20ac (2024: 0,0\u00a0Mio.\u00a0\u20ac). Die R\u00fcckzahlung</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">der Organkredite erfolgte entsprechend den</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:91.99pt\">Vertragsbedingungen.</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zus\u00e4tzlich besteht zum Bilanzstichtag kein ausgen\u00fctztes Limit</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">auf den Girokonten von Mitgliedern des Vorstands und des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Aufsichtsrats (2024: 0,0\u00a0Mio.\u00a0\u20ac). Die Summe der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Dezemberums\u00e4tze von der Bank gegen\u00fcber Dritten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">garantierter Kreditkarten, die im Besitz von Mitgliedern des</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Vorstands waren, betr\u00e4gt zum 31. Dezember 2025 0,0\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(2024: 0,0\u00a0Mio.\u00a0\u20ac), jener im Besitz von Mitgliedern des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:176.81pt\">Aufsichtsrats 0,0\u00a0Mio.\u00a0\u20ac (2024: 0,0\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die Aufsichtsratsverg\u00fctungen f\u00fcr die Mitglieder des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Aufsichtsrates der BAWAG P.S.K. AG beliefen sich im Jahr 2025</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">auf 1,5 Mio.\u00a0\u20ac (2024: 1,2\u00a0Mio.\u00a0\u20ac). Die vom Betriebsrat</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">delegierten Mitglieder des Aufsichtsrats erhalten keine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">weitere Verg\u00fctung. Die Verg\u00fctungen an den Aufsichtsrat der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">BAWAG Group AG beliefen sich auf 0,4\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:47.56pt\">0,4\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">In den Gesch\u00e4ftsjahren 2025 und 2024 gab es keine</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:167.97pt\">Aufwendungen f\u00fcr Beratungsleistungen.</span><span class=\"f charStyle-34546584 ps6049\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">An Pensionen wurden an ehemalige Vorstandsmitglieder bzw.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:259.12pt\">deren Hinterbliebene 1,1\u00a0Mio.\u00a0\u20ac (2024: 1,1\u00a0Mio.\u00a0\u20ac) ausbezahlt.</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Aufwendungen f\u00fcr Abfertigungen beliefen sich f\u00fcr ehemalige</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:223.07pt\">Vorstandsmitglieder auf 0,0\u00a0Mio.\u00a0\u20ac (2024: 0,0\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Anteilsbasierte Verg\u00fctungen</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Die Incentivierungspl\u00e4ne der BAWAG Group beinhalten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aktienbasierte Verg\u00fctungen f\u00fcr Mitarbeiter und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:86.95pt\">Vorstandsmitglieder.</span><span class=\"f charStyle-34546584 ps6050\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Im J\u00e4nner 2022 hat der Nominierungs- und</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Verg\u00fctungsausschuss der BAWAG ein neues langfristiges</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Incentivierungsprogramm (\u201eBAWAG LTIP 2025\u201c)</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">verabschiedet. Der Zweck des BAWAG LTIP 2025 ist es,</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">einerseits Schl\u00fcsselkr\u00e4fte zu halten und andererseits die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Interessen der Teilnehmer effektiv mit der langfristigen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Performance der BAWAG in Einklang zu bringen, dies unter</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Einbeziehung von BAWAGs mehrj\u00e4hrigen \u00f6ffentlich</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">kommunizierten Leistungszielen bis 2025. Der BAWAG LTIP</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">2025 Award wird, abh\u00e4ngig von den Bedingungen, in Form von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Aktien der BAWAG Group AG (keine Phantom Shares)</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:38.62pt\">zugeteilt.</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">88% des BAWAG LTIP 2025 Awards (Teil I) werden Anfang</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">2026 und 12% des BAWAG LTIP 2025 Awards (Teil II) werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:93.4pt\">Anfang 2027 zugeteilt.</span><span class=\"f charStyle-34546584 ps6051\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Dar\u00fcber hinaus haben Mitarbeiter in Bezug auf den Annual</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bonus Award f\u00fcr das Gesch\u00e4ftsjahr 2022 einen Annual Bonus</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Award erhalten, der teilweise in Form von Stammaktien der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">BAWAG Group AG (keine Phantom Shares) unter der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Voraussetzung eines aufrechten Dienstverh\u00e4ltnisses mit der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">BAWAG bis einschlie\u00dflich 29. Februar 2028 zugeteilt wird. F\u00fcr</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">diesen Plan gilt keine Leistungsbedingung. Vorbehaltlich der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">oben angef\u00fchrten Bedingungen wird die Zuteilung Anfang</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:60.4pt\">2028 erfolgen.</span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Ab dem Gesch\u00e4ftsjahr 2025 hat BAWAG einen neuen Group</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Combined Plan (GCP) eingef\u00fchrt, der f\u00fcr den Jahresbonus der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Vorstandsmitglieder gilt. Dieser neue Group Combined Plan</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">bringt folgende wesentliche \u00c4nderungen im Anreizsystem der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">BAWAG\u2011Gruppe mit sich: Das variable Verg\u00fctungssystem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wurde neu gestaltet und umfasst nun zwei getrennte</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Komponenten innerhalb des Group Combined Plan, n\u00e4mlich</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">einen Short-Term Incentive (STI) und einen Long-Term</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Incentive (LTI). Die Zuerkennung beider Komponenten \u2013 ganz</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">oder teilweise \u2013 h\u00e4ngt davon ab, ob die zu Beginn des</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">jeweiligen Zeitraums definierten Leistungsbedingungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">erreicht werden. Die STI-Komponente, die 50% des Bonus</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">ausmacht, wird anhand der Performance verschiedener</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">finanzieller und nichtfinanzieller Indikatoren ermittelt, die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">einer j\u00e4hrlichen Messperiode unterliegen. Die LTI-</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Komponente, die 50% des Gesamtbonus ausmacht, wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">zur\u00fcckgestellt und unterliegt zus\u00e4tzlichen langfristigen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Performancebedingungen. Die LTI-Performancekriterien</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden anhand spezifischer Ziele festgelegt, die auf</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Konzernebene f\u00fcr einen Bewertungszeitraum von drei Jahren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">festgelegt werden. Die STI-Komponente wird zu 50% in bar</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">und zu 50% in Stammaktien der BAWAG Gruppe ausgezahlt,</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">w\u00e4hrend die LTI-Komponente vollst\u00e4ndig in Stammaktien der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:136.28pt\">BAWAG Gruppe ausgezahlt wird.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Aktienbasierte Annual Bonus Awards werden ausgew\u00e4hlten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Risikotr\u00e4gern (identifizierten Mitarbeitern) der BAWAG</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">gew\u00e4hrt, sofern der jeweilige Bonus einen bestimmten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Schwellenwert \u00fcberschreitet. In diesen F\u00e4llen wird 50% des</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Bonus in bar und 50% in Form von Instrumenten ausbezahlt,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">wobei f\u00fcr Auszahlungen ab dem Gesch\u00e4ftsjahr 2026</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Stammaktien der BAWAG Group AG herangezogen werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:249.61pt\">(f\u00fcr Auszahlungen bis einschlie\u00dflich 2025: Phantom Shares).</span><span class=\"f charStyle-34546584 ps6052\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Bonusprogramme umfassen Anspr\u00fcche auf Phantom</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Dividends, sofern die \u00dcbertragung der zugrundeliegenden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Stammaktien nach Ablauf der regulatorisch erforderlichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:75.43pt\">Zeitr\u00e4ume erfolgt.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Bilanzierung</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Diese Programme stellen anteilsbasierte Verg\u00fctungen dar und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">werden in \u00dcbereinstimmung mit IFRS 2 bilanziert. Zum 31.</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Dezember 2025 bestanden ausschlie\u00dflich anteilsbasierte</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verg\u00fctungen mit Ausgleich in Eigenkapitalinstrumenten, die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">bestehenden Anspr\u00fcche aus anteilsbasierten Verg\u00fctungen mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Barausgleich wurden im Gesch\u00e4ftsjahr 2025 in anteilsbasierte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verg\u00fctungen mit Ausgleich in Eigenkapitalinstrumenten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">umgewandelt. Mit den Programmen verbundene Anspr\u00fcche</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">auf Phantom Dividends fallen nicht unter IFRS 2 und werden in</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:163.19pt\">\u00dcbereinstimmung mit IAS 19 bilanziert.</span><span class=\"f charStyle-34546584 ps6053\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die folgenden Aktien wurden im Rahmen des BAWAG LTIP</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:61.77pt\">2025 zugeteilt:</span></div><div class=\"ps3714 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:291.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss410\"><div><div class=\"ps2027 ss409\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6055 ss411\"><div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps6054\">Anzahl der Aktien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6059 ss220\"><div><div class=\"ps40 ss219\"><span class=\"f charStyle-37455c2a ps6056\">Beizulegender <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss219\"><span class=\"f charStyle-37455c2a ps6057\">Zeitwert in </span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-37455c2a ps6058\">Millionen \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss411\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps2572\">Beizulegender <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps6060\">Zeitwert je Aktie zum </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps3855\">Gew\u00e4hrungszeitpunkt</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss412\"><div><div class=\"ps291 ss409\"><span class=\"f charStyle-37455c2a ps36\">Gew\u00e4hrt zum Stichtag 31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6062 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6061\">675.123<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6063 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3783\">24,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6065 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6064\">36,47<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die folgende Tabelle zeigt eine Zusammenfassung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:196.35pt\">zugeteilten Aktien je Gruppe von Beg\u00fcnstigten:</span></div><div class=\"ps6114 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss413\"><div><div class=\"ps2033 ss125\"><span class=\"f charStyle-37455c2a ps36\">Beg\u00fcnstigte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2590 ss414\"><div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps6067\">Anzahl der <span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6068\">Aktien, die </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6069\">gew\u00e4hrt wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6073 ss414\"><div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6070\">Maximale Anzahl <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps1800\">an Aktien, die </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6075 ss414\"><div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6074\">Minimale Anzahl <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps1800\">an Aktien, die </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6078 ss414\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-37455c2a ps6067\">Anzahl der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss103\"><span class=\"f charStyle-37455c2a ps6076\">Aktien, die zum </span></div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6077\">Zeitpunkt der </span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps4622\">Gew\u00e4hrung </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich <span class=\"f ps37\"> </span></span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2341 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps36\">Mitglieder des Vorstands<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2344 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Anas Abuzaakouk<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6079 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">104.333<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6080 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">104.333<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6082 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6083 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2804 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Sat Shah<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6085 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">78.250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6086 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">78.250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6087 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6088 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2807 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Andrew Wise<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6089 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">72.231<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6090 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">72.231<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6091 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6092 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2810 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Enver Sirucic<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6093 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">70.224<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6094 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">70.224<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6095 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6096 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2492 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">David O\u2019Leary<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6097 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">62.199<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6098 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">62.199<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6099 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6100 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2770 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Guido Jest\u00e4dt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6101 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">25.080<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6102 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">25.080<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6103 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6104 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps888 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps36\">Leitende Angestellte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6105 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">262.806<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6106 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">262.806<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6107 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6108 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2775 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6110 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6109\">675.123<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6111 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6109\">675.123<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6112 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6113 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Wie oben beschrieben, wurden im Gesch\u00e4ftsjahr 2022 die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:141.97pt\">folgenden weiteren Boni gew\u00e4hrt:</span></div><div class=\"ps6123 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:291.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6055 ss417\"><div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps6054\">Anzahl der Aktien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6059 ss228\"><div><div class=\"ps1717 ss219\"><span class=\"f charStyle-37455c2a ps6116\">Beizulegen-der <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-37455c2a ps6057\">Zeitwert in </span></div><div class=\"ps2029 ss219\"><span class=\"f charStyle-37455c2a ps6058\">Millionen \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss417\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps5539\">Beizulegen-der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps6060\">Zeitwert je Aktie zum </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps6117\">Gew\u00e4hrungs-</span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps6118\">zeitpunkt</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps854 ss412\"><div><div class=\"ps291 ss409\"><span class=\"f charStyle-37455c2a ps36\">Gew\u00e4hrt zum Stichtag 31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6119 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6061\">177.189<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6121 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps6120\">5,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6122 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6064\">33,00<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6124 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die folgende Tabelle zeigt eine Zusammenfassung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6125 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:196.35pt\">zugeteilten Aktien je Gruppe von Beg\u00fcnstigten:</span></div><div class=\"ps6130 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss413\"><div><div class=\"ps2033 ss125\"><span class=\"f charStyle-37455c2a ps36\">Beg\u00fcnstigte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2590 ss414\"><div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps6067\">Anzahl der <span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6068\">Aktien, die </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6069\">gew\u00e4hrt wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6073 ss414\"><div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6070\">Maximale Anzahl <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps1800\">an Aktien, die </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6075 ss414\"><div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6074\">Minimale Anzahl <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps1800\">an Aktien, die </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6078 ss414\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-37455c2a ps6067\">Anzahl der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss103\"><span class=\"f charStyle-37455c2a ps6076\">Aktien, die zum </span></div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6077\">Zeitpunkt der </span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps4622\">Gew\u00e4hrung </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich <span class=\"f ps37\"> </span></span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2341 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps36\">Leitende Angestellte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6126 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">177.189<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6127 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">177.189<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6128 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6129 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2344 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6079 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6109\">177.189<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6080 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6109\">177.189<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6082 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6083 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:505.19pt\">Die folgenden Aktien wurden im Rahmen der j\u00e4hrlichen Bonusprogramme in vorangegangenen Gesch\u00e4ftsjahren zugeteilt:</span></div><div class=\"ps3714 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:291.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss418\"><div><div class=\"ps2029 ss409\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6055 ss417\"><div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps6054\">Anzahl der Aktien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6059 ss228\"><div><div class=\"ps1717 ss219\"><span class=\"f charStyle-37455c2a ps6056\">Beizulegender <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-37455c2a ps6057\">Zeitwert in </span></div><div class=\"ps2029 ss219\"><span class=\"f charStyle-37455c2a ps6058\">Millionen \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss417\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps2572\">Beizulegender <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps6060\">Zeitwert je Aktie zum </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps5383\">Modifikations-</span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps6118\">zeitpunkt<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps854 ss412\"><div><div class=\"ps291 ss409\"><span class=\"f charStyle-37455c2a ps36\">Gew\u00e4hrt zum Stichtag 31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6119 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6061\">351.834<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6121 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3783\">39,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6122 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6131\">113,50<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6132 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die folgende Tabelle zeigt eine Zusammenfassung der im</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps6133 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Rahmen der j\u00e4hrlichen Bonusprogramme in vorangegangenen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6134 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Gesch\u00e4ftsjahren zugeteilten Aktien je Gruppe von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6135 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:57.37pt\">Beg\u00fcnstigten:</span></div><div class=\"ps6136 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss413\"><div><div class=\"ps2033 ss125\"><span class=\"f charStyle-37455c2a ps36\">Beg\u00fcnstigte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2590 ss414\"><div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps6067\">Anzahl der <span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6068\">Aktien, die </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6069\">gew\u00e4hrt wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6073 ss414\"><div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6070\">Maximale Anzahl <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps1800\">an Aktien, die </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6075 ss414\"><div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6074\">Minimale Anzahl <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps1800\">an Aktien, die </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6078 ss414\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-37455c2a ps6067\">Anzahl der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss103\"><span class=\"f charStyle-37455c2a ps6076\">Aktien, die zum </span></div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6077\">Zeitpunkt der </span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps4622\">Gew\u00e4hrung </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich <span class=\"f ps37\"> </span></span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2341 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps36\">Mitglieder des Vorstands<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2344 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Anas Abuzaakouk<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6079 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">54.531<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6080 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">54.531<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6082 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6083 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2804 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Enver Sirucic<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6085 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">42.603<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6086 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">42.603<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6087 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6088 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2807 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Sat Shah<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6089 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">42.402<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6090 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">42.402<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6091 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6092 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2810 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Andrew Wise<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6093 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">39.248<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6094 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">39.248<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6095 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6096 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2492 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">David O\u2019Leary<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6097 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">26.585<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6098 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">26.585<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6099 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6100 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2770 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Guido Jest\u00e4dt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6101 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">16.354<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6102 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">16.354<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6103 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6104 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps888 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps36\">Leitende Angestellte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6105 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">130.111<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6106 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">130.111<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6107 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6108 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2775 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6110 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6109\">351.834<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6111 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6109\">351.834<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6112 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6113 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:433.54pt\">Die folgenden Aktien werden im Rahmen des Bonusprogramms f\u00fcr das laufende Gesch\u00e4ftsjahr zugeteilt:</span></div><div class=\"ps4345 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:291.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss418\"><div><div class=\"ps2029 ss409\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6055 ss417\"><div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps6054\">Anzahl der Aktien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6059 ss228\"><div><div class=\"ps1717 ss219\"><span class=\"f charStyle-37455c2a ps6056\">Beizulegender <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-37455c2a ps6057\">Zeitwert in </span></div><div class=\"ps2029 ss219\"><span class=\"f charStyle-37455c2a ps6058\">Millionen \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss417\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps3032\">Gewichteter <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps6137\">beizulegender </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps6060\">Zeitwert je Aktie zum </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps3855\">Gew\u00e4hrungszeitpunkt</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps854 ss412\"><div><div class=\"ps291 ss409\"><span class=\"f charStyle-37455c2a ps36\">Zu gew\u00e4hren zum Stichtag 31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6119 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6061\">310.824<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6121 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3783\">34,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6122 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6131\">109,87<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6139 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die folgende Tabelle zeigt eine Zusammenfassung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6140 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:208.21pt\">zuzuteilenden Aktien je Gruppe von Beg\u00fcnstigten:</span></div><div class=\"ps6143 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss413\"><div><div class=\"ps2033 ss125\"><span class=\"f charStyle-37455c2a ps36\">Beg\u00fcnstigte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2590 ss414\"><div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps6067\">Anzahl der <span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6068\">Aktien, die </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6141\">gew\u00e4hrt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6073 ss414\"><div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6070\">Maximale Anzahl <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps1800\">an Aktien, die </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6075 ss414\"><div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6074\">Minimale Anzahl <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps1800\">an Aktien, die </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6078 ss414\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-37455c2a ps6067\">Anzahl der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss103\"><span class=\"f charStyle-37455c2a ps6076\">Aktien, die zum </span></div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6077\">Zeitpunkt der </span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps4622\">Gew\u00e4hrung </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich <span class=\"f ps37\"> </span></span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2341 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps36\">Mitglieder des Vorstands<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2344 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Anas Abuzaakouk<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6079 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">46.737<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6080 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">46.737<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6082 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6083 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2804 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Enver Sirucic<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6085 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">35.051<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6086 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">35.051<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6087 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6088 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2807 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Sat Shah<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6089 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">35.051<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6090 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">35.051<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6091 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6092 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2810 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Andrew Wise<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6093 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">32.715<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6094 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">32.715<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6095 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6096 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2492 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">David O'Leary<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6097 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">14.265<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6098 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">14.265<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6099 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6100 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2770 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Guido Jest\u00e4dt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6101 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">7.245<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6102 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">7.245<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6103 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6104 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps888 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps36\">Leitende Angestellte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6105 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">139.760<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6106 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">139.760<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6107 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6108 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2775 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6110 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6109\">310.824<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6111 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6109\">310.824<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6112 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6113 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps260 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Bewertung</span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die BAWAG verwendet den beizulegenden Zeitwert der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">gew\u00e4hrten Eigenkapitalinstrumente, um den Wert der von den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Mitarbeitern erhaltenen Leistungen zu bestimmen. Der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">beizulegende Zeitwert der Eigenkapitalinstrumente zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Gew\u00e4hrungszeitpunkt basiert auf beobachtbaren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Marktpreisen der BAWAG Group AG-Aktie am Tag der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gew\u00e4hrung. Bei der Ermittlung des beizulegenden Zeitwerts</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden Anpassungen f\u00fcr erwartete Dividenden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">vorgenommen. F\u00fcr die bestehenden Programme wurden keine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:218.17pt\">Markt- und Nichtaus\u00fcbungsbedingungen vereinbart.</span><span class=\"f charStyle-34546584 ps6144\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Nicht marktbezogene Leistungsbedingungen (einschlie\u00dflich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Dienstbedingungen und nicht marktbezogener finanzieller</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Leistungsbedingungen) werden bei der Ermittlung des</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">beizulegenden Zeitwerts zum Gew\u00e4hrungszeitpunkt nicht</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">ber\u00fccksichtigt. Diese werden durch Anpassung der Anzahl der</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Eigenkapitalinstrumente, die in die Bewertung der Transaktion</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:107.62pt\">einflie\u00dfen, ber\u00fccksichtigt.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Im Konzernabschluss erfasste Betr\u00e4ge</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die Leistungen, die f\u00fcr eine anteilsbasierte Verg\u00fctung mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Ausgleich in Eigenkapitalinstrumenten erbracht werden,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">werden im Zeitraum der Leistungserbringung in der Gewinn-</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">und Verlustrechnung (Personalaufwand) erfasst, mit einer</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:186.58pt\">entsprechenden Erh\u00f6hung des Eigenkapitals.</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die folgenden Betr\u00e4ge wurden in der Gewinn- und</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:194.72pt\">Verlustrechnung der jeweiligen Periode erfasst</span></div><div class=\"ps327 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:15.75pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6146 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps6147 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6148 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2548 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Aufwendungen f\u00fcr anteilsbasierte Verg\u00fctungen mit Ausgleich in Eigenkapitalinstrumenten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6149 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">18,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">4,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6151 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Davon betreffend<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps705 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Mitglieder des Vorstands<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps709 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">11,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2341 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Leitende Angestellte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2342 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">6,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2343 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Leistungen, die f\u00fcr eine anteilsbasierte Verg\u00fctung mit</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Barausgleich erbracht werden, werden im Zeitraum der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Leistungserbringung in der Gewinn- und Verlustrechnung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">(Personalaufwand) erfasst, mit einer entsprechenden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:134.74pt\">Erh\u00f6hung der Verbindlichkeiten.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die folgenden Betr\u00e4ge wurden in der Gewinn- und</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:197.49pt\">Verlustrechnung der jeweiligen Periode erfasst:</span></div><div class=\"ps2555 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:15.75pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6146 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps6147 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6148 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2548 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Aufwendungen f\u00fcr anteilsbasierte Verg\u00fctungen mit Barausgleich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6149 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">14,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">21,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6151 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Davon betreffend<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps705 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Mitglieder des Vorstands<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps709 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">9,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">14,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2341 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Leitende Angestellte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2342 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">5,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2343 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">6,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Mitarbeiterbeteiligung</span></div><div class=\"ps6154 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Im 4. Quartal 2023 hat die BAWAG ihr Mitarbeiter-</span></div><div class=\"ps6155 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beteiligungsprogramm 2023 eingef\u00fchrt. Im Rahmen dieses</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6156 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Programms erhalten alle anspruchsberechtigten Mitarbeiter</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6158 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:175.24pt\">der BAWAG Aktien der BAWAG Group AG.</span><span class=\"f charStyle-34546584 ps6157\" style=\"width:2.36pt\"> </span></div><div class=\"ps4321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Im Jahr 2024 startete ein weiteres Mitarbeiterbeteiligungs-</span></div><div class=\"ps4322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">programm in Form eines Matching Programs. (BAWAG 3+1</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Matching Program). Im Rahmen dieses Programs k\u00f6nnen alle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">anspruchsberechtigten Mitarbeiter der BAWAG eine Aktie der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4326 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">BAWAG Group AG f\u00fcr drei Aktien, welche w\u00e4hrend des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps6160 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:209.86pt\">definierten Zeitraums erworben werden, erhalten.</span><span class=\"f charStyle-34546584 ps6159\" style=\"width:2.36pt\"> </span></div><div class=\"ps6153 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Insgesamt wurden im Jahr 2025 13.669 Aktien mit einem Wert</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6154 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">von 1,6 Mio. \u20ac an die Mitarbeiter der BAWAG Group</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps6155 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:239.17pt\">\u00fcbertragen (2024: 16.442 Aktien im Wert von 1,3 Mio. \u20ac).</span></div><div class=\"ps6158 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Gesch\u00e4ftsbeziehungen mit nahestehenden Personen</span></div><div class=\"ps4320 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Nachstehend werden die Gesch\u00e4ftsbeziehungen mit</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps4321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">nahestehenden Personen und deren Familienangeh\u00f6rigen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps4322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">dargestellt, wobei es sich bei den Konditionen um branchen-</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps4323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und konzern\u00fcbliche Mitarbeiterkonditionen beziehungsweise</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps4325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:169.89pt\">fremd\u00fcbliche Marktkonditionen handelt.</span></div><div class=\"ps6193 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"padding:0\"><div class=\"ps278 ss281\"><div><div class=\"ps2029 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps2044 ss417\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-584de24a ps6161\">Key Management des <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-584de24a ps6162\">Unternehmens oder </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-584de24a ps6163\">dessen Mutterunter-</span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-584de24a ps6164\">nehmens</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps4477 ss417\"><div><div class=\"ps1717 ss248\"><span class=\"f charStyle-584de24a ps6165\">Sonstige </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-584de24a ps6166\">nahestehende </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-584de24a ps6167\">Personen</span><span class=\"f charStyle-3efe5cb2 ps6168\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss417\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps4361\">Key Management des <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps6169\">Unternehmens oder </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps6170\">dessen Mutterunter-</span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps6171\">nehmens</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps4479 ss417\"><div><div class=\"ps1717 ss248\"><span class=\"f charStyle-c5fdbd46 ps6172\">Sonstige </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-c5fdbd46 ps6173\">nahestehende </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-c5fdbd46 ps6174\">Personen</span><span class=\"f charStyle-88cee56f ps6175\"><sup>1</sup></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps854 ss265\"><div><div class=\"ps325 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4417 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-584de24a ps6176\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6177 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-584de24a ps6176\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4420 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-37455c2a ps6178\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6122 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-37455c2a ps6178\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3800 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Einlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6179 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-71900c34 ps4503\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6181 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-71900c34 ps6180\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6182 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6180\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6183 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6180\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3586 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Ausleihungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6184 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-71900c34 ps4503\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6185 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-71900c34 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6186 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4503\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6187 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2065 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Zinsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2067 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-71900c34 ps6188\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6189 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-71900c34 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2070 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6188\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6190 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2073 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Zinsaufwendungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2075 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-71900c34 ps6188\">0,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6191 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-71900c34 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2078 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6188\">0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6192 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"9\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps3590 ss271\"><div><div class=\"ps4208 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">1 Bezogen auf das Key Management.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6197 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"padding:0\"><div class=\"ps278 ss281\"><div><div class=\"ps2029 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps2044 ss417\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-584de24a ps6161\">Key Management des <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-584de24a ps6162\">Unternehmens oder </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-584de24a ps6163\">dessen Mutterunter-</span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-584de24a ps6164\">nehmens</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps4477 ss417\"><div><div class=\"ps1717 ss248\"><span class=\"f charStyle-584de24a ps6165\">Sonstige </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-584de24a ps6166\">nahestehende </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-584de24a ps6167\">Personen</span><span class=\"f charStyle-3efe5cb2 ps6168\"><sup>2</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss417\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps4361\">Key Management des <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps6169\">Unternehmens oder </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps6170\">dessen Mutterunter-</span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps6171\">nehmens</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"background-color:#FFFFFF;border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps4479 ss417\"><div><div class=\"ps1717 ss248\"><span class=\"f charStyle-c5fdbd46 ps6172\">Sonstige </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-c5fdbd46 ps6173\">nahestehende </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-c5fdbd46 ps6174\">Personen</span><span class=\"f charStyle-88cee56f ps6175\"><sup>2</sup></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps854 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Anzahl der Aktien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4417 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-584de24a ps6176\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6177 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-584de24a ps6176\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4420 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6194\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6122 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6194\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"background-color:#FFFFFF;border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3800 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Aktien der BAWAG Group AG 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6179 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-71900c34 ps6195\">3.213.186<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6181 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-71900c34 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6182 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6195\">3.085.515<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6183 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4511\">55.600<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td colspan=\"9\" style=\"background-color:#FFFFFF;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3586 ss366\"><div><div class=\"ps5315 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">1 Key Management umfasst nahestehende Trusts.</span></div><div class=\"ps5316 ss15\"><span class=\"f charStyle-5ee25b5a ps6196\">2 Bezogen auf das Key Management.</span></div></div></div></td></tr></tbody></table></div></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRelatedPartyExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-766": {
   "value": "<div class=\"ps6038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die Gesch\u00e4ftsbeziehungen zu diesen Unternehmen erfolgen zu</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps6039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:111.5pt\">bank\u00fcblichen Konditionen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForTransactionsWithRelatedPartiesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-767": {
   "value": "<div class=\"ps51 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Key </span><span class=\"f charStyle-8bc56e46 ps6045\">Management</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Unter Key Management sind in der BAWAG die Vorstands- und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Aufsichtsratsmitglieder der BAWAG Group AG und der BAWAG</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">P.S.K. AG zu verstehen. Die gesamten Personalaufwendungen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">f\u00fcr das Key Management betragen 48,2\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:52.72pt\">42,8\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Der Aufwand f\u00fcr die Bez\u00fcge des aktiven Vorstands der BAWAG</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Group AG und des Vorstands der BAWAG P.S.K. AG (inklusive</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">des abgegrenzten und noch nicht ausbezahlten Bonus und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Einzahlungen in die Pensionskasse) betrug im abgelaufenen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Jahr 46,3\u00a0Mio.\u00a0\u20ac (2024: 41,2\u00a0Mio.\u00a0\u20ac). Davon entfielen</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">18,9\u00a0Mio.\u00a0\u20ac auf kurzfristige Verg\u00fctungen, 24,7\u00a0Mio.\u00a0\u20ac auf</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aufwendungen im Zusammenhang mit langfristigen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Bonusverg\u00fctungen (davon betreffen 11,3\u00a0Mio.\u00a0\u20ac den 2025</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aufwandswirksamen Teil der Gesamtbonusverg\u00fctung 2025 von</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">30,3\u00a0Mio.\u00a0\u20ac [inklusive zu verteilender Betr\u00e4ge], 13,4\u00a0Mio.\u00a0\u20ac den</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">2025 aufwandswirksamen Teil der 2024, 2023, 2022 und 2021</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">gew\u00e4hrten Bonusverg\u00fctung) und 2,8\u00a0Mio.\u00a0\u20ac auf Einzahlungen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">in die Pensionskasse. (2024: 21,1\u00a0Mio.\u00a0\u20ac auf kurzfristige</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verg\u00fctungen, 17,1 Mio.\u00a0\u20ac auf Aufwendungen im</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zusammenhang mit langfristigen Bonusverg\u00fctungen [davon</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">betreffen 10,9\u00a0Mio.\u00a0\u20ac den 2024 aufwandswirksamen Teil der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Gesamtbonusverg\u00fctung 2024 von 18,5\u00a0Mio.\u00a0\u20ac [inklusive zu</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">verteilender Betr\u00e4ge], 6,2 Mio.\u00a0\u20ac den 2024</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">aufwandswirksamen Teil der 2023, 2022 und 2021 gew\u00e4hrten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Bonusverg\u00fctung] und 3,1\u00a0Mio.\u00a0\u20ac auf Einzahlungen in die</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Pensionskasse). Der Aufwand f\u00fcr die Bez\u00fcge von ehemaligen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Vorstandsmitgliedern betrug im abgelaufenen Jahr 0,0\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:76.46pt\">(2024: 0,0\u00a0Mio.\u00a0\u20ac).</span><span class=\"f charStyle-34546584 ps6046\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zum 31. Dezember 2025 bestanden bei allen Vorst\u00e4nden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vertragliche Regelungen, die Beitragszahlungen in eine</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:102.82pt\">Pensionskasse vorsehen.</span><span class=\"f charStyle-34546584 ps6047\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Im Jahr 2022 wurde ein langfristiges</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Incentivierungsprogramm, welches zu 100% in Aktien erf\u00fcllt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden soll, f\u00fcr den Vorstand und ausgew\u00e4hlte Mitarbeiter</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">implementiert (BAWAG LTIP 2025). Bez\u00fcge aus diesem</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Programm sind in den oben genannten Betr\u00e4gen nicht</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">inkludiert und werden im folgenden Abschnitt zu</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:172.39pt\">anteilsbasierten Verg\u00fctungen dargestellt.</span><span class=\"f charStyle-34546584 ps6048\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zum Bilanzstichtag haften drei Kredite in H\u00f6he von 20,6\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">an Mitglieder des Vorstands aus (2024: drei Kredite in H\u00f6he</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">von 21,4\u00a0Mio.\u00a0\u20ac). Die Summe der Kredite, Bauspardarlehen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">bzw. Leasingfinanzierungen an Mitglieder des Aufsichtsrats</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">belief sich auf 0,0\u00a0Mio.\u00a0\u20ac (2024: 0,0\u00a0Mio.\u00a0\u20ac). Die R\u00fcckzahlung</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">der Organkredite erfolgte entsprechend den</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:91.99pt\">Vertragsbedingungen.</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zus\u00e4tzlich besteht zum Bilanzstichtag kein ausgen\u00fctztes Limit</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">auf den Girokonten von Mitgliedern des Vorstands und des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Aufsichtsrats (2024: 0,0\u00a0Mio.\u00a0\u20ac). Die Summe der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Dezemberums\u00e4tze von der Bank gegen\u00fcber Dritten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">garantierter Kreditkarten, die im Besitz von Mitgliedern des</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Vorstands waren, betr\u00e4gt zum 31. Dezember 2025 0,0\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(2024: 0,0\u00a0Mio.\u00a0\u20ac), jener im Besitz von Mitgliedern des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:176.81pt\">Aufsichtsrats 0,0\u00a0Mio.\u00a0\u20ac (2024: 0,0\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die Aufsichtsratsverg\u00fctungen f\u00fcr die Mitglieder des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Aufsichtsrates der BAWAG P.S.K. AG beliefen sich im Jahr 2025</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">auf 1,5 Mio.\u00a0\u20ac (2024: 1,2\u00a0Mio.\u00a0\u20ac). Die vom Betriebsrat</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">delegierten Mitglieder des Aufsichtsrats erhalten keine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">weitere Verg\u00fctung. Die Verg\u00fctungen an den Aufsichtsrat der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">BAWAG Group AG beliefen sich auf 0,4\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:47.56pt\">0,4\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">In den Gesch\u00e4ftsjahren 2025 und 2024 gab es keine</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:167.97pt\">Aufwendungen f\u00fcr Beratungsleistungen.</span><span class=\"f charStyle-34546584 ps6049\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">An Pensionen wurden an ehemalige Vorstandsmitglieder bzw.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:259.12pt\">deren Hinterbliebene 1,1\u00a0Mio.\u00a0\u20ac (2024: 1,1\u00a0Mio.\u00a0\u20ac) ausbezahlt.</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Aufwendungen f\u00fcr Abfertigungen beliefen sich f\u00fcr ehemalige</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:223.07pt\">Vorstandsmitglieder auf 0,0\u00a0Mio.\u00a0\u20ac (2024: 0,0\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps430 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-6423092b ps2\">VORSTAND DER BAWAG GROUP AG PER </span></div><div class=\"ps431 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-6423092b ps2\">31.12.2025</span></div><div class=\"ps9196 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Anas ABUZAAKOUK </span></div><div class=\"ps9197 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">(Vorsitzender des Vorstands der BAWAG Group AG seit</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps9198 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:44.49pt\">19.8.2017)</span></div><div class=\"ps1578 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">David O\u2019LEARY</span></div><div class=\"ps1579 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:257.09pt\">(Mitglied des Vorstands der BAWAG Group AG seit 19.8.2017)</span></div><div class=\"ps1391 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sat SHAH </span></div><div class=\"ps1392 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:257.09pt\">(Mitglied des Vorstands der BAWAG Group AG seit 19.8.2017)</span></div><div class=\"ps147 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Enver SIRUCIC</span></div><div class=\"ps149 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:257.09pt\">(Mitglied des Vorstands der BAWAG Group AG seit 19.8.2017)</span></div><div class=\"ps153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Andrew WISE</span></div><div class=\"ps154 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:257.09pt\">(Mitglied des Vorstands der BAWAG Group AG seit 19.8.2017)</span></div><div class=\"ps156 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Guido JEST\u00c4DT</span></div><div class=\"ps9199 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:251.93pt\">(Mitglied des Vorstands der BAWAG Group AG seit 1.7.2021)</span></div><div class=\"ps9200 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-6423092b ps2\">AUFSICHTSRAT DER BAWAG GROUP AG PER </span></div><div class=\"ps9201 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-6423092b ps2\">31.12.2025</span></div><div class=\"ps9203 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Vorsitzender</span></div><div class=\"ps4581 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Kim FENNEBRESQUE </span></div><div class=\"ps4582 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">(seit 4.4.2025; Vorsitzender-Stellvertreter des Aufsichtsrats</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4583 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der BAWAG Group AG von 12.12.2019 bis 04.04.2025,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4585 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Aufsichtsratsmitglied von 15.9.2017 bis zur</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4586 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Hauptversammlung, die \u00fcber den Jahresabschluss 2028</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4587 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:67.65pt\">Beschluss fasst).</span></div><div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps185\">Vorsitzender-Stellvertreter</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Frederick HADDAD </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(seit 4.4.2025; Aufsichtsratsmitglied der BAWAG Group AG von</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">19.8.2017 bis zur Hauptversammlung, die \u00fcber den</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:156.25pt\">Jahresabschluss 2028 Beschluss fasst)</span></div><div class=\"ps1049 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Tamara KAPELLER</span></div><div class=\"ps1050 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(seit 4.4.2025; Aufsichtsratsmitglied der BAWAG Group AG von</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1051 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">14.9.2021 bis zur Hauptversammlung, die \u00fcber den</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1052 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:156.25pt\">Jahresabschluss 2028 Beschluss fasst)</span></div><div class=\"ps9204 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps185\">Mitglieder</span></div><div class=\"ps9205 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Pat McCLANAHAN </span></div><div class=\"ps7396 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(Aufsichtsratsmitglied der BAWAG Group AG von 7.5.2025 bis</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps9206 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zur Hauptversammlung, die \u00fcber den Jahresabschluss 2026</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps9207 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:65.03pt\">Beschluss fasst)</span></div><div class=\"ps9208 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Robert OUDMAYER</span></div><div class=\"ps9209 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(Aufsichtsratsmitglied der BAWAG Group AG von 4.4.2025 bis</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps9210 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zur Hauptversammlung, die \u00fcber den Jahresabschluss 2026</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps9211 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:65.03pt\">Beschluss fasst)</span></div><div class=\"ps9212 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Tina REICH</span></div><div class=\"ps9213 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(Aufsichtsratsmitglied der BAWAG Group AG von 7.5.2025 bis</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps9214 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zur Hauptversammlung, die \u00fcber den Jahresabschluss 2026</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps9215 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:65.03pt\">Beschluss fasst)</span></div><div class=\"ps9216 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Ahmed SAEED</span></div><div class=\"ps9217 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(Aufsichtsratsmitglied der BAWAG Group AG von 4.4.2025 bis</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps9218 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zur Hauptversammlung, die \u00fcber den Jahresabschluss 2028</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps9219 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:65.03pt\">Beschluss fasst)</span></div><div class=\"ps1071 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Veronika von HEISE-ROTENBURG </span></div><div class=\"ps1072 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(Aufsichtsratsmitglied der BAWAG Group AG von 4.4.2025 bis</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1073 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zur Hauptversammlung, die \u00fcber den Jahresabschluss 2026</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1074 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:65.03pt\">Beschluss fasst)</span></div><div class=\"ps9220 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps185\">Vom Betriebsrat delegiert</span></div><div class=\"ps9221 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Verena SPITZ</span></div><div class=\"ps9222 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:70.05pt\">(seit 25.10.2017)</span></div><div class=\"ps9223 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Konstantin LATSUNAS</span></div><div class=\"ps9224 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:59.73pt\">(seit 1.3.2021)</span></div><div class=\"ps9225 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Ursula NELL</span></div><div class=\"ps9226 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:64.89pt\">(seit 11.9.2025)</span></div><div class=\"ps9227 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Beatrix PR\u00d6LL</span></div><div class=\"ps9228 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:64.89pt\">(seit 14.9.2021)</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutKeyManagementPersonnelExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-768": {
   "value": "<div class=\"ps61 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Anteilsbasierte Verg\u00fctungen</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Die Incentivierungspl\u00e4ne der BAWAG Group beinhalten</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aktienbasierte Verg\u00fctungen f\u00fcr Mitarbeiter und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:86.95pt\">Vorstandsmitglieder.</span><span class=\"f charStyle-34546584 ps6050\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Im J\u00e4nner 2022 hat der Nominierungs- und</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Verg\u00fctungsausschuss der BAWAG ein neues langfristiges</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Incentivierungsprogramm (\u201eBAWAG LTIP 2025\u201c)</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">verabschiedet. Der Zweck des BAWAG LTIP 2025 ist es,</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">einerseits Schl\u00fcsselkr\u00e4fte zu halten und andererseits die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Interessen der Teilnehmer effektiv mit der langfristigen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Performance der BAWAG in Einklang zu bringen, dies unter</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Einbeziehung von BAWAGs mehrj\u00e4hrigen \u00f6ffentlich</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">kommunizierten Leistungszielen bis 2025. Der BAWAG LTIP</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">2025 Award wird, abh\u00e4ngig von den Bedingungen, in Form von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Aktien der BAWAG Group AG (keine Phantom Shares)</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:38.62pt\">zugeteilt.</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">88% des BAWAG LTIP 2025 Awards (Teil I) werden Anfang</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">2026 und 12% des BAWAG LTIP 2025 Awards (Teil II) werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:93.4pt\">Anfang 2027 zugeteilt.</span><span class=\"f charStyle-34546584 ps6051\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Dar\u00fcber hinaus haben Mitarbeiter in Bezug auf den Annual</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bonus Award f\u00fcr das Gesch\u00e4ftsjahr 2022 einen Annual Bonus</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Award erhalten, der teilweise in Form von Stammaktien der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">BAWAG Group AG (keine Phantom Shares) unter der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Voraussetzung eines aufrechten Dienstverh\u00e4ltnisses mit der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">BAWAG bis einschlie\u00dflich 29. Februar 2028 zugeteilt wird. F\u00fcr</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">diesen Plan gilt keine Leistungsbedingung. Vorbehaltlich der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">oben angef\u00fchrten Bedingungen wird die Zuteilung Anfang</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:60.4pt\">2028 erfolgen.</span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Ab dem Gesch\u00e4ftsjahr 2025 hat BAWAG einen neuen Group</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Combined Plan (GCP) eingef\u00fchrt, der f\u00fcr den Jahresbonus der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Vorstandsmitglieder gilt. Dieser neue Group Combined Plan</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">bringt folgende wesentliche \u00c4nderungen im Anreizsystem der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">BAWAG\u2011Gruppe mit sich: Das variable Verg\u00fctungssystem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wurde neu gestaltet und umfasst nun zwei getrennte</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Komponenten innerhalb des Group Combined Plan, n\u00e4mlich</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">einen Short-Term Incentive (STI) und einen Long-Term</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Incentive (LTI). Die Zuerkennung beider Komponenten \u2013 ganz</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">oder teilweise \u2013 h\u00e4ngt davon ab, ob die zu Beginn des</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">jeweiligen Zeitraums definierten Leistungsbedingungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">erreicht werden. Die STI-Komponente, die 50% des Bonus</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">ausmacht, wird anhand der Performance verschiedener</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">finanzieller und nichtfinanzieller Indikatoren ermittelt, die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">einer j\u00e4hrlichen Messperiode unterliegen. Die LTI-</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Komponente, die 50% des Gesamtbonus ausmacht, wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">zur\u00fcckgestellt und unterliegt zus\u00e4tzlichen langfristigen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Performancebedingungen. Die LTI-Performancekriterien</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden anhand spezifischer Ziele festgelegt, die auf</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Konzernebene f\u00fcr einen Bewertungszeitraum von drei Jahren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">festgelegt werden. Die STI-Komponente wird zu 50% in bar</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">und zu 50% in Stammaktien der BAWAG Gruppe ausgezahlt,</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">w\u00e4hrend die LTI-Komponente vollst\u00e4ndig in Stammaktien der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:136.28pt\">BAWAG Gruppe ausgezahlt wird.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Aktienbasierte Annual Bonus Awards werden ausgew\u00e4hlten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Risikotr\u00e4gern (identifizierten Mitarbeitern) der BAWAG</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">gew\u00e4hrt, sofern der jeweilige Bonus einen bestimmten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Schwellenwert \u00fcberschreitet. In diesen F\u00e4llen wird 50% des</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Bonus in bar und 50% in Form von Instrumenten ausbezahlt,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">wobei f\u00fcr Auszahlungen ab dem Gesch\u00e4ftsjahr 2026</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Stammaktien der BAWAG Group AG herangezogen werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:249.61pt\">(f\u00fcr Auszahlungen bis einschlie\u00dflich 2025: Phantom Shares).</span><span class=\"f charStyle-34546584 ps6052\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Bonusprogramme umfassen Anspr\u00fcche auf Phantom</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Dividends, sofern die \u00dcbertragung der zugrundeliegenden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Stammaktien nach Ablauf der regulatorisch erforderlichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:75.43pt\">Zeitr\u00e4ume erfolgt.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Bilanzierung</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Diese Programme stellen anteilsbasierte Verg\u00fctungen dar und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">werden in \u00dcbereinstimmung mit IFRS 2 bilanziert. Zum 31.</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Dezember 2025 bestanden ausschlie\u00dflich anteilsbasierte</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verg\u00fctungen mit Ausgleich in Eigenkapitalinstrumenten, die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">bestehenden Anspr\u00fcche aus anteilsbasierten Verg\u00fctungen mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Barausgleich wurden im Gesch\u00e4ftsjahr 2025 in anteilsbasierte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verg\u00fctungen mit Ausgleich in Eigenkapitalinstrumenten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">umgewandelt. Mit den Programmen verbundene Anspr\u00fcche</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">auf Phantom Dividends fallen nicht unter IFRS 2 und werden in</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:163.19pt\">\u00dcbereinstimmung mit IAS 19 bilanziert.</span><span class=\"f charStyle-34546584 ps6053\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die folgenden Aktien wurden im Rahmen des BAWAG LTIP</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:61.77pt\">2025 zugeteilt:</span></div><div class=\"ps3714 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:291.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss410\"><div><div class=\"ps2027 ss409\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6055 ss411\"><div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps6054\">Anzahl der Aktien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6059 ss220\"><div><div class=\"ps40 ss219\"><span class=\"f charStyle-37455c2a ps6056\">Beizulegender <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss219\"><span class=\"f charStyle-37455c2a ps6057\">Zeitwert in </span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-37455c2a ps6058\">Millionen \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss411\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps2572\">Beizulegender <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps6060\">Zeitwert je Aktie zum </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps3855\">Gew\u00e4hrungszeitpunkt</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss412\"><div><div class=\"ps291 ss409\"><span class=\"f charStyle-37455c2a ps36\">Gew\u00e4hrt zum Stichtag 31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6062 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6061\">675.123<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6063 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3783\">24,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6065 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6064\">36,47<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die folgende Tabelle zeigt eine Zusammenfassung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:196.35pt\">zugeteilten Aktien je Gruppe von Beg\u00fcnstigten:</span></div><div class=\"ps6114 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss413\"><div><div class=\"ps2033 ss125\"><span class=\"f charStyle-37455c2a ps36\">Beg\u00fcnstigte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2590 ss414\"><div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps6067\">Anzahl der <span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6068\">Aktien, die </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6069\">gew\u00e4hrt wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6073 ss414\"><div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6070\">Maximale Anzahl <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps1800\">an Aktien, die </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6075 ss414\"><div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6074\">Minimale Anzahl <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps1800\">an Aktien, die </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6078 ss414\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-37455c2a ps6067\">Anzahl der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss103\"><span class=\"f charStyle-37455c2a ps6076\">Aktien, die zum </span></div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6077\">Zeitpunkt der </span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps4622\">Gew\u00e4hrung </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich <span class=\"f ps37\"> </span></span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2341 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps36\">Mitglieder des Vorstands<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2344 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Anas Abuzaakouk<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6079 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">104.333<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6080 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">104.333<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6082 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6083 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2804 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Sat Shah<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6085 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">78.250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6086 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">78.250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6087 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6088 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2807 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Andrew Wise<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6089 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">72.231<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6090 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">72.231<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6091 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6092 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2810 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Enver Sirucic<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6093 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">70.224<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6094 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">70.224<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6095 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6096 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2492 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">David O\u2019Leary<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6097 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">62.199<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6098 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">62.199<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6099 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6100 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2770 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Guido Jest\u00e4dt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6101 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">25.080<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6102 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">25.080<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6103 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6104 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps888 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps36\">Leitende Angestellte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6105 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">262.806<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6106 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">262.806<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6107 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6108 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2775 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6110 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6109\">675.123<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6111 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6109\">675.123<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6112 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6113 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Wie oben beschrieben, wurden im Gesch\u00e4ftsjahr 2022 die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:141.97pt\">folgenden weiteren Boni gew\u00e4hrt:</span></div><div class=\"ps6123 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:291.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6055 ss417\"><div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps6054\">Anzahl der Aktien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6059 ss228\"><div><div class=\"ps1717 ss219\"><span class=\"f charStyle-37455c2a ps6116\">Beizulegen-der <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-37455c2a ps6057\">Zeitwert in </span></div><div class=\"ps2029 ss219\"><span class=\"f charStyle-37455c2a ps6058\">Millionen \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss417\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps5539\">Beizulegen-der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps6060\">Zeitwert je Aktie zum </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps6117\">Gew\u00e4hrungs-</span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps6118\">zeitpunkt</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps854 ss412\"><div><div class=\"ps291 ss409\"><span class=\"f charStyle-37455c2a ps36\">Gew\u00e4hrt zum Stichtag 31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6119 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6061\">177.189<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6121 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps6120\">5,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6122 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6064\">33,00<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6124 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die folgende Tabelle zeigt eine Zusammenfassung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6125 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:196.35pt\">zugeteilten Aktien je Gruppe von Beg\u00fcnstigten:</span></div><div class=\"ps6130 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss413\"><div><div class=\"ps2033 ss125\"><span class=\"f charStyle-37455c2a ps36\">Beg\u00fcnstigte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2590 ss414\"><div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps6067\">Anzahl der <span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6068\">Aktien, die </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6069\">gew\u00e4hrt wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6073 ss414\"><div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6070\">Maximale Anzahl <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps1800\">an Aktien, die </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6075 ss414\"><div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6074\">Minimale Anzahl <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps1800\">an Aktien, die </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6078 ss414\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-37455c2a ps6067\">Anzahl der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss103\"><span class=\"f charStyle-37455c2a ps6076\">Aktien, die zum </span></div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6077\">Zeitpunkt der </span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps4622\">Gew\u00e4hrung </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich <span class=\"f ps37\"> </span></span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2341 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps36\">Leitende Angestellte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6126 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">177.189<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6127 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">177.189<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6128 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6129 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2344 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6079 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6109\">177.189<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6080 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6109\">177.189<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6082 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6083 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:505.19pt\">Die folgenden Aktien wurden im Rahmen der j\u00e4hrlichen Bonusprogramme in vorangegangenen Gesch\u00e4ftsjahren zugeteilt:</span></div><div class=\"ps3714 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:291.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss418\"><div><div class=\"ps2029 ss409\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6055 ss417\"><div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps6054\">Anzahl der Aktien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6059 ss228\"><div><div class=\"ps1717 ss219\"><span class=\"f charStyle-37455c2a ps6056\">Beizulegender <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-37455c2a ps6057\">Zeitwert in </span></div><div class=\"ps2029 ss219\"><span class=\"f charStyle-37455c2a ps6058\">Millionen \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss417\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps2572\">Beizulegender <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps6060\">Zeitwert je Aktie zum </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps5383\">Modifikations-</span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps6118\">zeitpunkt<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps854 ss412\"><div><div class=\"ps291 ss409\"><span class=\"f charStyle-37455c2a ps36\">Gew\u00e4hrt zum Stichtag 31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6119 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6061\">351.834<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6121 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3783\">39,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6122 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6131\">113,50<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6132 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die folgende Tabelle zeigt eine Zusammenfassung der im</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps6133 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Rahmen der j\u00e4hrlichen Bonusprogramme in vorangegangenen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6134 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Gesch\u00e4ftsjahren zugeteilten Aktien je Gruppe von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6135 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:57.37pt\">Beg\u00fcnstigten:</span></div><div class=\"ps6136 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss413\"><div><div class=\"ps2033 ss125\"><span class=\"f charStyle-37455c2a ps36\">Beg\u00fcnstigte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2590 ss414\"><div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps6067\">Anzahl der <span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6068\">Aktien, die </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6069\">gew\u00e4hrt wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6073 ss414\"><div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6070\">Maximale Anzahl <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps1800\">an Aktien, die </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6075 ss414\"><div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6074\">Minimale Anzahl <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps1800\">an Aktien, die </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6078 ss414\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-37455c2a ps6067\">Anzahl der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss103\"><span class=\"f charStyle-37455c2a ps6076\">Aktien, die zum </span></div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6077\">Zeitpunkt der </span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps4622\">Gew\u00e4hrung </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich <span class=\"f ps37\"> </span></span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2341 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps36\">Mitglieder des Vorstands<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2344 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Anas Abuzaakouk<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6079 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">54.531<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6080 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">54.531<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6082 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6083 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2804 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Enver Sirucic<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6085 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">42.603<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6086 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">42.603<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6087 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6088 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2807 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Sat Shah<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6089 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">42.402<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6090 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">42.402<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6091 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6092 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2810 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Andrew Wise<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6093 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">39.248<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6094 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">39.248<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6095 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6096 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2492 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">David O\u2019Leary<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6097 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">26.585<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6098 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">26.585<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6099 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6100 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2770 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Guido Jest\u00e4dt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6101 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">16.354<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6102 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">16.354<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6103 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6104 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps888 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps36\">Leitende Angestellte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6105 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">130.111<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6106 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">130.111<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6107 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6108 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2775 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6110 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6109\">351.834<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6111 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6109\">351.834<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6112 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6113 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:433.54pt\">Die folgenden Aktien werden im Rahmen des Bonusprogramms f\u00fcr das laufende Gesch\u00e4ftsjahr zugeteilt:</span></div><div class=\"ps4345 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:291.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:69.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss418\"><div><div class=\"ps2029 ss409\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6055 ss417\"><div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps6054\">Anzahl der Aktien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6059 ss228\"><div><div class=\"ps1717 ss219\"><span class=\"f charStyle-37455c2a ps6056\">Beizulegender <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss219\"><span class=\"f charStyle-37455c2a ps6057\">Zeitwert in </span></div><div class=\"ps2029 ss219\"><span class=\"f charStyle-37455c2a ps6058\">Millionen \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss417\"><div><div class=\"ps40 ss248\"><span class=\"f charStyle-37455c2a ps3032\">Gewichteter <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss248\"><span class=\"f charStyle-37455c2a ps6137\">beizulegender </span></div><div class=\"ps2027 ss248\"><span class=\"f charStyle-37455c2a ps6060\">Zeitwert je Aktie zum </span></div><div class=\"ps2029 ss248\"><span class=\"f charStyle-37455c2a ps3855\">Gew\u00e4hrungszeitpunkt</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps854 ss412\"><div><div class=\"ps291 ss409\"><span class=\"f charStyle-37455c2a ps36\">Zu gew\u00e4hren zum Stichtag 31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6119 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6061\">310.824<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6121 ss224\"><div><div class=\"ps291 ss219\"><span class=\"f charStyle-cc1eb9a4 ps3783\">34,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6122 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6131\">109,87<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6139 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die folgende Tabelle zeigt eine Zusammenfassung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6140 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:208.21pt\">zuzuteilenden Aktien je Gruppe von Beg\u00fcnstigten:</span></div><div class=\"ps6143 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:255.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:57.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss413\"><div><div class=\"ps2033 ss125\"><span class=\"f charStyle-37455c2a ps36\">Beg\u00fcnstigte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2590 ss414\"><div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps6067\">Anzahl der <span class=\"f ps37\"> </span></span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6068\">Aktien, die </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6141\">gew\u00e4hrt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6073 ss414\"><div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6070\">Maximale Anzahl <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps1800\">an Aktien, die </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6075 ss414\"><div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6074\">Minimale Anzahl <span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps1800\">an Aktien, die </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich </span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6078 ss414\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-37455c2a ps6067\">Anzahl der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss103\"><span class=\"f charStyle-37455c2a ps6076\">Aktien, die zum </span></div><div class=\"ps2027 ss103\"><span class=\"f charStyle-37455c2a ps6077\">Zeitpunkt der </span></div><div class=\"ps2029 ss103\"><span class=\"f charStyle-37455c2a ps4622\">Gew\u00e4hrung </span></div><div class=\"ps2031 ss103\"><span class=\"f charStyle-37455c2a ps6071\">tats\u00e4chlich <span class=\"f ps37\"> </span></span></div><div class=\"ps2033 ss103\"><span class=\"f charStyle-37455c2a ps6072\">zugeteilt werden</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2341 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps36\">Mitglieder des Vorstands<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2344 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Anas Abuzaakouk<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6079 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">46.737<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6080 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">46.737<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6082 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6083 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2804 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Enver Sirucic<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6085 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">35.051<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6086 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">35.051<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6087 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6088 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2807 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Sat Shah<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6089 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">35.051<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6090 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">35.051<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6091 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6092 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2810 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Andrew Wise<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6093 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">32.715<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6094 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">32.715<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6095 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6096 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2492 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">David O'Leary<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6097 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">14.265<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6098 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">14.265<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6099 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6100 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2770 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps621\">Guido Jest\u00e4dt<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6101 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">7.245<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6102 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">7.245<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6103 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6104 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps888 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-37455c2a ps36\">Leitende Angestellte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6105 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">139.760<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6106 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps645\">139.760<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6107 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6108 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2775 ss415\"><div><div class=\"ps291 ss125\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6110 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6109\">310.824<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6111 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6109\">310.824<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6112 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6113 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps260 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Bewertung</span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die BAWAG verwendet den beizulegenden Zeitwert der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">gew\u00e4hrten Eigenkapitalinstrumente, um den Wert der von den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Mitarbeitern erhaltenen Leistungen zu bestimmen. Der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">beizulegende Zeitwert der Eigenkapitalinstrumente zum</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Gew\u00e4hrungszeitpunkt basiert auf beobachtbaren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Marktpreisen der BAWAG Group AG-Aktie am Tag der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gew\u00e4hrung. Bei der Ermittlung des beizulegenden Zeitwerts</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden Anpassungen f\u00fcr erwartete Dividenden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">vorgenommen. F\u00fcr die bestehenden Programme wurden keine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:218.17pt\">Markt- und Nichtaus\u00fcbungsbedingungen vereinbart.</span><span class=\"f charStyle-34546584 ps6144\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Nicht marktbezogene Leistungsbedingungen (einschlie\u00dflich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Dienstbedingungen und nicht marktbezogener finanzieller</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Leistungsbedingungen) werden bei der Ermittlung des</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">beizulegenden Zeitwerts zum Gew\u00e4hrungszeitpunkt nicht</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">ber\u00fccksichtigt. Diese werden durch Anpassung der Anzahl der</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Eigenkapitalinstrumente, die in die Bewertung der Transaktion</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:107.62pt\">einflie\u00dfen, ber\u00fccksichtigt.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Im Konzernabschluss erfasste Betr\u00e4ge</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die Leistungen, die f\u00fcr eine anteilsbasierte Verg\u00fctung mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Ausgleich in Eigenkapitalinstrumenten erbracht werden,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">werden im Zeitraum der Leistungserbringung in der Gewinn-</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">und Verlustrechnung (Personalaufwand) erfasst, mit einer</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:186.58pt\">entsprechenden Erh\u00f6hung des Eigenkapitals.</span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die folgenden Betr\u00e4ge wurden in der Gewinn- und</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:194.72pt\">Verlustrechnung der jeweiligen Periode erfasst</span></div><div class=\"ps327 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:15.75pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6146 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps6147 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6148 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2548 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Aufwendungen f\u00fcr anteilsbasierte Verg\u00fctungen mit Ausgleich in Eigenkapitalinstrumenten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6149 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">18,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">4,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6151 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Davon betreffend<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps705 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Mitglieder des Vorstands<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps709 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">11,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2341 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Leitende Angestellte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2342 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">6,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2343 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Leistungen, die f\u00fcr eine anteilsbasierte Verg\u00fctung mit</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Barausgleich erbracht werden, werden im Zeitraum der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Leistungserbringung in der Gewinn- und Verlustrechnung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">(Personalaufwand) erfasst, mit einer entsprechenden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:134.74pt\">Erh\u00f6hung der Verbindlichkeiten.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die folgenden Betr\u00e4ge wurden in der Gewinn- und</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:197.49pt\">Verlustrechnung der jeweiligen Periode erfasst:</span></div><div class=\"ps2555 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:15.75pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6146 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps6147 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6148 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2548 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Aufwendungen f\u00fcr anteilsbasierte Verg\u00fctungen mit Barausgleich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6149 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">14,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">21,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6151 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Davon betreffend<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps705 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Mitglieder des Vorstands<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps709 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">9,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps710 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">14,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2341 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps621\">Leitende Angestellte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2342 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">5,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2343 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">6,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6153 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Mitarbeiterbeteiligung</span></div><div class=\"ps6154 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Im 4. Quartal 2023 hat die BAWAG ihr Mitarbeiter-</span></div><div class=\"ps6155 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beteiligungsprogramm 2023 eingef\u00fchrt. Im Rahmen dieses</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6156 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Programms erhalten alle anspruchsberechtigten Mitarbeiter</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6158 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:175.24pt\">der BAWAG Aktien der BAWAG Group AG.</span><span class=\"f charStyle-34546584 ps6157\" style=\"width:2.36pt\"> </span></div><div class=\"ps4321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Im Jahr 2024 startete ein weiteres Mitarbeiterbeteiligungs-</span></div><div class=\"ps4322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">programm in Form eines Matching Programs. (BAWAG 3+1</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Matching Program). Im Rahmen dieses Programs k\u00f6nnen alle</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">anspruchsberechtigten Mitarbeiter der BAWAG eine Aktie der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4326 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">BAWAG Group AG f\u00fcr drei Aktien, welche w\u00e4hrend des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps6160 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:209.86pt\">definierten Zeitraums erworben werden, erhalten.</span><span class=\"f charStyle-34546584 ps6159\" style=\"width:2.36pt\"> </span></div><div class=\"ps6153 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Insgesamt wurden im Jahr 2025 13.669 Aktien mit einem Wert</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6154 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">von 1,6 Mio. \u20ac an die Mitarbeiter der BAWAG Group</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps6155 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:239.17pt\">\u00fcbertragen (2024: 16.442 Aktien im Wert von 1,3 Mio. \u20ac).</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSharebasedPaymentArrangementsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-769": {
   "value": "<div class=\"ps1238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Erwerb der Barclays Consumer Bank Europe</span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Nach Erhalt aller regulatorischen Genehmigungen am 9.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Januar 2025 vollzog die BAWAG am 1. Februar 2025 die</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u00dcbernahme der Barclays Consumer Bank Europe mit Sitz in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1242 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:183.36pt\">Hamburg von der Barclays Bank Ireland PLC.</span></div><div class=\"ps1050 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Der finale Kaufpreis betr\u00e4gt 157 Mio. \u20ac (inklusive Steuern und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1051 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Abgaben von 2 Mio. \u20ac) und wurde in Zahlungsmitteln geleistet</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1052 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">(siehe Kapitalflussrechnung). Im Rahmen der Transaktion hat</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1053 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Barclays der BAWAG eine begrenzte Freistellung in Bezug auf</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps1054 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">die Transfersteuern f\u00fcr bestimmte Verm\u00f6genswerte gew\u00e4hrt.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1055 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Gespr\u00e4che mit der zust\u00e4ndigen Steuerbeh\u00f6rde dauern an</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1056 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">und befinden sich noch in einem fr\u00fchen Stadium. Ein formaler</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:122.04pt\">Bescheid liegt noch nicht vor.</span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Im Konzern sind mit dem Unternehmenszusammenschluss</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">verbundene Kosten von 12 Mio. \u20ac f\u00fcr Rechts- und</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Beratungskosten entstanden, die sich auf mehrere Perioden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">verteilen. Diese Kosten sind im Posten \u201eSonstige betriebliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:100.72pt\">Aufwendungen\u201c erfasst.</span><span class=\"f charStyle-34546584 ps6198\" style=\"width:2.36pt\"> </span></div><div class=\"ps976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Der Erwerb ergibt aufgrund der Bestimmungen des IFRS 3</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">einen errechneten passiven Unterschiedsbetrag, der in der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gewinn- und Verlustrechnung im Posten \u201eSonstige</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:148.83pt\">betriebliche Ertr\u00e4ge\u201c erfasst wurde.</span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Gem\u00e4\u00df den Bestimmungen des IFRS 3 erfolgte aufgrund des</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">errechneten passiven Unterschiedsbetrages (der beizulegende</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zeitwert der \u00fcbernommenen Verm\u00f6genswerte und Schulden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u00fcberstieg den Kaufpreis) eine nochmalige \u00dcberpr\u00fcfung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bemessung der beizulegenden Zeitwerte. Diese hat gezeigt,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps952 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">dass die Zeitwerte der Verm\u00f6genswerte und Schulden nicht</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">signifikant von den bisherigen Buchwerten abweichen.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Insbesondere bestehen keine bisher nicht ber\u00fccksichtigten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ausfallrisiken, die Marktteilnehmer in die Bemessung der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps955 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beizulegenden Zeitwerte einbeziehen w\u00fcrden, oder andere</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:135.92pt\">bisher nicht bevorsorgte Risiken.</span><span class=\"f charStyle-34546584 ps6199\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das Konsolidierungsergebnis ist haupts\u00e4chlich auf die im</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Vergleich zum Kreditkartenmarkt vorteilhaften Zinss\u00e4tze f\u00fcr</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">die Kreditkartenforderungen der Barclays Consumer Bank</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Europe zur\u00fcckzuf\u00fchren. Bei den Krediten und Einlagen gab es</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:163.94pt\">keine wesentlichen Bewertungseffekte.</span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">In der nachstehenden Tabelle sind die erfassten Betr\u00e4ge der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">erworbenen Verm\u00f6genswerte und der \u00fcbernommenen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Schulden zum Erwerbszeitpunkt der \u00fcbertragenen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:139.67pt\">Gegenleistung gegen\u00fcbergestellt:</span><span class=\"f charStyle-34546584 ps6200\" style=\"width:2.36pt\"> </span></div><div class=\"ps797 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:188.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:68.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"3\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps278 ss420\"><div><div class=\"ps277 ss419\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6202 ss422\"><div><div class=\"ps281 ss421\"><span class=\"f charStyle-c5fdbd46 ps6201\">2025</span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps292 ss423\"><div><div class=\"ps40 ss419\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten bewertete <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss419\"><span class=\"f charStyle-37455c2a ps36\">finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6204 ss424\"><div><div class=\"ps1717 ss421\"><span class=\"f charStyle-cc1eb9a4 ps6203\">4.330<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss425\"><div><div class=\"ps291 ss419\"><span class=\"f charStyle-c5fdbd46 ps621\">Wertpapiere</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6205 ss426\"><div><div class=\"ps291 ss421\"><span class=\"f charStyle-cc1eb9a4 ps6203\">1.010<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5142 ss425\"><div><div class=\"ps291 ss419\"><span class=\"f charStyle-37455c2a ps621\">Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6206 ss426\"><div><div class=\"ps291 ss421\"><span class=\"f charStyle-cc1eb9a4 ps6203\">3.320<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss425\"><div><div class=\"ps291 ss419\"><span class=\"f charStyle-37455c2a ps36\">Sachanlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6208 ss426\"><div><div class=\"ps291 ss421\"><span class=\"f charStyle-cc1eb9a4 ps6207\">27<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps866 ss425\"><div><div class=\"ps291 ss419\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6209 ss426\"><div><div class=\"ps291 ss421\"><span class=\"f charStyle-cc1eb9a4 ps6207\">14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3732 ss423\"><div><div class=\"ps40 ss419\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verbindlichkeiten zu fortgef\u00fchrten <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss419\"><span class=\"f charStyle-37455c2a ps36\">Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6210 ss424\"><div><div class=\"ps1717 ss421\"><span class=\"f charStyle-cc1eb9a4 ps6203\">4.128<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3594 ss425\"><div><div class=\"ps291 ss419\"><span class=\"f charStyle-37455c2a ps621\">Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6211 ss426\"><div><div class=\"ps291 ss421\"><span class=\"f charStyle-cc1eb9a4 ps6203\">4.128<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1355 ss427\"><div><div class=\"ps40 ss419\"><span class=\"f charStyle-37455c2a ps36\">R\u00fcckstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6213 ss428\"><div><div class=\"ps40 ss421\"><span class=\"f charStyle-cc1eb9a4 ps6212\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps647 ss427\"><div><div class=\"ps40 ss419\"><span class=\"f charStyle-37455c2a ps36\">Steuerschulden f\u00fcr laufende Steuern<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6214 ss428\"><div><div class=\"ps40 ss421\"><span class=\"f charStyle-cc1eb9a4 ps6207\">10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2096 ss425\"><div><div class=\"ps291 ss419\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6215 ss426\"><div><div class=\"ps291 ss421\"><span class=\"f charStyle-cc1eb9a4 ps6207\">51<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2699 ss423\"><div><div class=\"ps40 ss419\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtes identifizierbares erworbenes <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss419\"><span class=\"f charStyle-7ff22fcd ps36\">Nettoverm\u00f6gen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6217 ss424\"><div><div class=\"ps1717 ss421\"><span class=\"f charStyle-0b080fec ps6216\">175<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5298 ss425\"><div><div class=\"ps291 ss419\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtbetrag der \u00fcbertragenen Gegenleistung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6218 ss426\"><div><div class=\"ps291 ss421\"><span class=\"f charStyle-0b080fec ps6216\">157<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5301 ss425\"><div><div class=\"ps291 ss419\"><span class=\"f charStyle-7ff22fcd ps36\">Konsolidierungsergebnis (Badwill)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6219 ss426\"><div><div class=\"ps291 ss421\"><span class=\"f charStyle-0b080fec ps6207\">18<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2371 ss423\"><div><div class=\"ps40 ss419\"><span class=\"f charStyle-c5fdbd46 ps36\">Restrukturierungs- und sonstige Aufwendungen iZm </span></div><div class=\"ps1717 ss419\"><span class=\"f charStyle-c5fdbd46 ps36\">dem Erwerb von Barclays Consumer Bank Europe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6221 ss424\"><div><div class=\"ps1717 ss421\"><span class=\"f charStyle-cc1eb9a4 ps6220\">-35<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5603 ss427\"><div><div class=\"ps40 ss419\"><span class=\"f charStyle-7ff22fcd ps36\">Nettoergebnis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6222 ss428\"><div><div class=\"ps40 ss421\"><span class=\"f charStyle-0b080fec ps6220\">-16<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps2748 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Folgende Bewertungsmethoden wurden f\u00fcr die Bemessung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps2749 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">des beizulegenden Zeitwertes der wesentlichen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps2750 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:121.41pt\">Verm\u00f6genswerte verwendet:</span></div><div class=\"ps2752 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps185\" style=\"width:116.8pt\">Finanzielle Verm\u00f6genswerte</span></div><div class=\"ps2754 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">F\u00fcr Finanzinstrumente werden gruppenweit etablierte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2755 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Bewertungsmethoden und Standards angewendet. In</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps6223 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Abh\u00e4ngigkeit von den f\u00fcr die Ermittlung der beizulegenden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps6224 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Zeitwerte zur Verf\u00fcgung stehenden Informationen werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps6226 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:142.01pt\">unterschiedliche Ans\u00e4tze gew\u00e4hlt.</span><span class=\"f charStyle-34546584 ps6225\" style=\"width:2.36pt\"> </span></div><div class=\"ps6227 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Bei Finanzinstrumenten, bei denen der beizulegende Zeitwert</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps6228 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">nicht direkt anhand beobachtbarer Informationen (Level 3)</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps6229 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ermittelt werden kann, wird ein Discounted-Cashflow-Modell</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps6230 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">verwendet. Die Bewertung basiert auf erwarteten zuk\u00fcnftigen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps6231 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zahlungsstr\u00f6men. F\u00fcr die Diskontierung dieser erwarteten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps6232 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Cashflows werden unterschiedliche Parameter verwendet, die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6233 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">entweder aus Marktdaten oder aus internen Informationen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps6234 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">des erworbenen Unternehmens abgeleitet werden k\u00f6nnen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6235 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(z.B. erwartete Ausfallsraten im Kreditportfolio). Die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6236 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Diskontierungszinss\u00e4tze, die f\u00fcr die Bewertungen zur</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps6237 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Anwendung kommen, setzen sich aus einer risikolosen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps6238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Zinskurve, Refinanzierungskosten und kundenspezifischen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps6239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kreditrisikoaufschl\u00e4gen zusammen. Zus\u00e4tzlich wird eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps6240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">residuale Komponente ermittelt, um die angewandten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps6241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Diskontierungszinss\u00e4tze auf aktuelle, am Markt beobachtete</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps6242 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Transaktionen zu kalibrieren (z.B. Neugesch\u00e4ftsmargen, die die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6243 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:185.4pt\">aktuellen Fair-Value-Spreads widerspiegeln).</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die zur Bestimmung des reinen Zeitwerts verwendeten</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Diskontierungskurven enthalten nur Instrumente, die kein</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">oder nur ein geringes Ausfallrisiko, wie zum Beispiel</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Swaps\u00e4tze, aufweisen. Spread-Kurven, die die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Refinanzierungskosten widerspiegeln, werden entweder von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">ausstehenden Refinanzierungsinstrumenten, unterschieden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">nach Seniorit\u00e4t (besicherte, unbesicherte oder nachrangige</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Refinanzierungen), Benchmark-Zinskurven (z.B. Anleiheindizes)</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">oder Refinanzierungskosten des k\u00fcrzlich kontrahierten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Neugesch\u00e4fts, abgeleitet. Die Zuordnung eines</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">kundenspezifischen Kreditrisikoaufschlags zu einem</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">finanziellen Verm\u00f6genswert basiert auf internen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">ratingbasierten Ausfallwahrscheinlichkeiten. Bei der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Anwendung der Kreditrisikoaufschl\u00e4ge wird zus\u00e4tzlich eine</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">allf\u00e4llige Besicherung ber\u00fccksichtigt, d.h., nur der unbesicherte</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:155.81pt\">Anteil flie\u00dft in die Bewertung mit ein.</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bei den erworbenen Wertpapieren handelt es sich um</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:230.22pt\">verbriefte Kreditforderungen in H\u00f6he von 1.010 Mio. \u20ac.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die erworbenen finanziellen Verm\u00f6genswerte gegen\u00fcber</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Kunden in H\u00f6he von 3.320 Mio. \u20ac umfassen festverzinsliche,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">vollst\u00e4ndig amortisierende Konsumentenkredite, Vollzahler-</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">und Revolving-Kreditkarten und entsprechen den</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:199.72pt\">beizulegenden Zeitwerten zum Erwerbsstichtag.</span><span class=\"f charStyle-34546584 ps6244\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Bruttobetr\u00e4ge der vertraglichen finanziellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Verm\u00f6genswerte belaufen sich auf 4.523 Mio. \u20ac, die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">voraussichtlich uneinbringlichen Cashflows auf 193 Mio. \u20ac</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:126.19pt\">(jeweils zum Erwerbsstichtag).</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-de9217a1 ps2\" style=\"width:118.12pt\">Finanzielle Verbindlichkeiten</span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Auf der Passivseite hat Barclays Consumer Bank Europe</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kundeneinlagen mit einem Volumen von rund 4.128 Mio. \u20ac.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Dabei handelt es sich \u00fcberwiegend um t\u00e4glich f\u00e4llige Einlagen,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">die daher zum Nominalwert bewertet werden (siehe IFRS</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:29.01pt\">13.47).</span><span class=\"f charStyle-34546584 ps6245\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die folgenden Angaben basieren auf den zum Bilanzstichtag</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">vorliegenden Informationen und den daraus resultierenden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Ergebnissen der Bilanzierung des oben beschriebenen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Unternehmenszusammenschlusses. Im Falle, dass wir neue</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Informationen \u00fcber Fakten und Umst\u00e4nde erhalten, die zum</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Erwerbszeitpunkt bestanden und die \u2013 falls sie bekannt</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">gewesen w\u00e4ren \u2013 in den Ansatz zus\u00e4tzlicher Verm\u00f6genswerte</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">oder Verbindlichkeiten gef\u00fchrt h\u00e4tten, w\u00fcrde die Bilanzierung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">des Unternehmenserwerbs gem\u00e4\u00df IFRS 3.45 angepasst</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:34.28pt\">werden.</span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Ab Erwerbszeitpunkt bis zum 31. Dezember 2025 trug die</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Barclays Consumer Bank Europe mit operativen Kernertr\u00e4gen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">(Nettozinsertrag und Provisions\u00fcberschuss) von 358 Mio. \u20ac</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und einem Gewinn von 72 Mio. \u20ac zum Konzernergebnis bei.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">H\u00e4tte der Erwerb am 1. J\u00e4nner 2025 stattgefunden, h\u00e4tte</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Barclays Consumer Bank Europe nach Sch\u00e4tzung des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Managements 390 Mio. \u20ac zu den operativen Kernertr\u00e4gen und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">81 Mio. \u20ac zum Konzerngewinn beigetragen. Die Berechnung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">dieser Werte basiert auf der Annahme, dass die Anpassungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zum beizulegenden Zeitwert, welche zum Erwerbszeitpunkt</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">vorgenommen wurden, die gleichen gewesen w\u00e4ren, wenn der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:196.39pt\">Erwerb am 1. J\u00e4nner 2025 stattgefunden h\u00e4tte.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfBusinessCombinationsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-770": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Als Sicherheit gestellte </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Verm\u00f6gensgegenst\u00e4nde</span></div><div class=\"ps2792 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss146\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Abgetretene Forderungen und <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss141\"><span class=\"f charStyle-37455c2a ps36\">Wertpapiere zugunsten der </span></div><div class=\"ps2567 ss141\"><span class=\"f charStyle-37455c2a ps36\">Oesterreichischen Kontrollbank AG</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-71900c34 ps650\">56<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2843 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">73<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2574 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sicherstellung zugunsten der <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Europ\u00e4ischen Investitionsbank</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6246 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">92<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6247 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">93<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2480 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Deckungsstock f\u00fcr <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">M\u00fcndelgeldspareinlagen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6248 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps622\">140<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6249 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">158<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps872 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Deckungsstock f\u00fcr fundierte Anleihen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6250 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">15.562<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6251 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">13.681<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3555 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sicherheiten f\u00fcr Tenderfazilit\u00e4ten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6252 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6253 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3561 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Barsicherheiten f\u00fcr Derivatgesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6254 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">312<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6255 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">652<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3268 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Sicherstellungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6256 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">111<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6257 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">91<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2974 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Als Sicherheit gestellte <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6gensgegenst\u00e4nde</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2975 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps684\">16.273<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2976 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps684\">14.748<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Der Konzern verpf\u00e4ndet Verm\u00f6genswerte als Sicherheit f\u00fcr</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verbindlichkeiten aus Wertpapierpensionsgesch\u00e4ften. Diese</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gesch\u00e4fte werden in der Regel zu handels\u00fcblichen, in</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps6261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Standardvertr\u00e4gen f\u00fcr durch Wertpapiere unterlegte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Leihegesch\u00e4fte festgelegten Bedingungen ausgef\u00fchrt.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zus\u00e4tzlich verpf\u00e4ndet der Konzern Verm\u00f6genswerte als</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Sicherheitsleistungen f\u00fcr Verbindlichkeiten aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Derivategesch\u00e4ften. Weiters werden im Rahmen von</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Exportfinanzierungen Forderungen und Wertpapiere</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:258.03pt\">zugunsten der Oesterreichischen Kontrollbank AG abgetreten.</span></div><div class=\"ps6268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Sicherstellung f\u00fcr M\u00fcndelgeldspareinlagen erfolgt nach</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6270 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:146.13pt\">gesetzlichen Vorgaben (\u00a7\u00a068 BWG).</span><span class=\"f charStyle-34546584 ps6269\" style=\"width:2.36pt\"> </span></div><div class=\"ps6271 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Der Deckungsstock f\u00fcr fundierte Anleihen unterliegt dem</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6272 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Pfandbriefgesetz (PfandBG). F\u00fcr Refinanzierungen bei der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6273 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Europ\u00e4ischen Investitionsbank wurden ebenfalls</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6275 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:152.4pt\">entsprechende Sicherheiten gestellt.</span><span class=\"f charStyle-34546584 ps6274\" style=\"width:2.36pt\"> </span></div><div class=\"ps4351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sicherheiten im Gesamtkreditportfolio und Bewertung von </span></div><div class=\"ps4352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sicherheiten</span></div><div class=\"ps7537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die untenstehende \u00dcbersicht \u00fcber die Sicherheitenarten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">veranschaulicht den hohen Anteil an privaten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4354 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:262.04pt\">Immobiliensicherheiten, welcher sich auf 83% (2024: 84%) am</span><span class=\"f charStyle-e63b9797 ps171\" style=\"width:2.11pt\"> </span></div><div class=\"ps7539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:132.36pt\">gesamten Kreditportfolios bel\u00e4uft</span><span class=\"f charStyle-34546584 ps7538\" style=\"width:2.62pt\">.</span></div><div class=\"ps7541 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio</span><span class=\"f charStyle-32bf9c18 ps7540\">. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">30.473<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">29.906<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">69,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">69,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon private Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">25.390<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">24.980<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">83,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">83,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon gewerbliche Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.083<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.926<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">16,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">16,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Garantien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">8.929<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.682<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">20,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">22,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Kreditsicherheiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.499<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">4,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">3,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Sicherheiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps456 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.797<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps457 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.763<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">6,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">4,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps462 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">43.956<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps463 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">42.850<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Gesch\u00e4ftsstrategie der BAWAG fokussiert sich auf die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzierung von besicherten Krediten, wann immer dies</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">m\u00f6glich ist. Sicherheiten dienen als wesentliche Unterst\u00fctzung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">f\u00fcr die Kreditvergabe und wirken verlustmindernd bei Ausfall</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">des Schuldners, wobei beim Entscheidungsprozess neben der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Qualit\u00e4t und Verwertbarkeit der Sicherheiten die Leistbarkeit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:227.34pt\">f\u00fcr den Kreditnehmer jedenfalls im Vordergrund steht.</span></div><div class=\"ps7549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Alle angenommenen Sicherheiten sind im Konzern-</span></div><div class=\"ps7550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Sicherheitenkatalog festgehalten, wo auch die Grundlagen f\u00fcr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">die Bewertung und Neubewertung von Sicherheiten definiert</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sind. Hier wird neben allen grunds\u00e4tzlich akzeptierten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kombinationen von G\u00fctern (Eigenschaften des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Wirtschaftsguts) und Sicherheiten (Rechtstitel der Bank) auch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">definiert, welcher Wert (Marktwert, Nominalwert etc.)</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">heranzuziehen ist. Das Enterprise-Risk-Management-Komitee</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">entscheidet, welche Sicherheiten \u2013 unter Ber\u00fccksichtigung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">der\u00a0entsprechenden Haircuts \u2013 kreditrisikomindernd</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7561 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:125.6pt\">herangezogen werden d\u00fcrfen.</span></div><div class=\"ps7562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:173.59pt\">Folgende Sicherheiten werden akzeptiert:</span></div><div class=\"ps7563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:226.62pt\">Wohnimmobilien und gewerblich genutzte Immobilien</span></div><div class=\"ps7564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Sonstige Kreditsicherheiten: Fahrzeuge und sonstige</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">physische Sicherheiten (derzeit keine Verwendung zur</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Kreditrisikominimierung), Verpf\u00e4ndung oder Abtretung von</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:93.05pt\">Lebensversicherungen</span></div><div class=\"ps7568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Finanzgarantien: finanzielle Sicherheiten, Wertpapiere und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7569 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:140.41pt\">Bareinlagen beim eigenen Institut</span></div><div class=\"ps7570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Kreditverbesserungen: Garantien und Mitverpflichtungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">(NHG-Garantien f\u00fcr Immobilienhypotheken in den</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7572 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Niederlanden bieten eine zus\u00e4tzliche Garantie f\u00fcr</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7573 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:136.79pt\">Risikominderungsberechnungen)</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Um als Kreditrisikominderung zu dienen, m\u00fcssen Sicherheiten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">alle gesetzlichen und regulatorischen Anforderungen erf\u00fcllen,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">welche wiederum in gruppenweiten, internen Policies</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">definiert sind. Um l\u00e4nderspezifischen Besonderheiten bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kreditsicherheiten Rechnung zu tragen, gibt es zus\u00e4tzlich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">regionale Handb\u00fccher f\u00fcr die einzelnen T\u00f6chter bzw.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Niederlassungen. Zumindest j\u00e4hrlich erfolgt eine \u00dcberpr\u00fcfung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">dieser Policies. Allf\u00e4llige Ausnahmen zu den internen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Regelungen m\u00fcssen begr\u00fcndet, gesondert beantragt und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:112.86pt\">explizit genehmigt werden.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Wertermittlung f\u00fcr inl\u00e4ndische Wohnimmobilien erfolgt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">zentral durch Experten f\u00fcr die Bewertung von Immobilien</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">unter Anwendung standardisierter Methoden sowie unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zuhilfenahme eines Bewertungstools. Die Sch\u00e4tzung von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Immobilien in anderen L\u00e4ndern erfolgt ebenfalls durch</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">unabh\u00e4ngige Fachleute nach internationalen Standards. Die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">turnusm\u00e4\u00dfige \u00dcberpr\u00fcfung bzw. Aktualisierung der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wohnimmobilienwerte erfolgt automationsgest\u00fctzt auf Basis</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">des Immobilienpreisindex des Fachverbands der Immobilien-</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und Verm\u00f6genstreuh\u00e4nder der Wirtschaftskammer \u00d6sterreich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">f\u00fcr \u00f6sterreichische Objekte, mittels</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Marktschwankungsmethode bei in Deutschland gelegenen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Immobilien, sowie mit Hilfe der entsprechenden lokalen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Immobilienpreisindices in den L\u00e4ndern, in denen sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:226.19pt\">Immobiliensicherheiten der BAWAG-Gruppe befinden.</span><span class=\"f charStyle-34546584 ps7574\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gewerbeimmobilien werden von Sachverst\u00e4ndigen f\u00fcr die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bewertung von Gewerbeimmobilien oder von ausgew\u00e4hlten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">externen Gutachtern im Auftrag des Konzerns bzw. eines</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Konsortialpartners individuell nach erfolgter Vor-Ort-</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:211.89pt\">Besichtigung und voller Befundaufnahme bewertet</span><span class=\"f charStyle-34546584 ps7575\" style=\"width:2.62pt\">.</span></div><div class=\"ps8018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Erhaltene Sicherheiten f\u00fcr das NPL-Portfolio</span></div><div class=\"ps8019 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die folgenden Zahlen beziehen sich auf das Brutto-NPL-</span></div><div class=\"ps8021 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:78.6pt\">Exposure (Stufe 3).</span><span class=\"f charStyle-34546584 ps8020\" style=\"width:2.36pt\"> </span></div><div class=\"ps8029 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss184\"><div><div class=\"ps8022 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8023\">NPL Exposure</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-c5fdbd46 ps8024\">Immobilien </span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps8025\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps5775\">Sonstige Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps5458\">Finanzgarantien</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps8025\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8027\">verbesserungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Retail &amp; SME</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3318 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3319 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">92<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3321 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">51<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3322 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8028 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Corporates, Real Estate &amp; Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3546 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-9208d16a ps36\">Gesamtportfolio</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">680<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">98<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3333 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">Die dargestellten Sicherheiten sind Marktwerte.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8035 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss184\"><div><div class=\"ps8022 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8032\">NPL Exposure</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-c5fdbd46 ps8024\">Immobilien </span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps8025\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps5775\">Sonstige Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8033\">Finanzgarantien</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps3206\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8034\">verbesserungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Retail &amp; SME</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3318 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">494<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3319 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">117<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3321 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3322 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8028 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Corporates, Real Estate &amp; Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">107<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3546 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-9208d16a ps36\">Gesamtportfolio</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">601<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">210<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3333 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">Die dargestellten Sicherheiten sind Marktwerte.</span></div></div></div></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps2895\">Erhaltene</span><span class=\"f charStyle-b1e544a7 ps8840\"> Sicherheiten</span><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die BAWAG hat aus ihren Gesch\u00e4ftsbeziehungen verschiedene</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Arten von Sicherheiten erhalten. Zur Verringerung des</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Kreditrisikos aus derivativen Gesch\u00e4ften hat die Bank</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Sicherheiten (Collateral Deals) in H\u00f6he von 605\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1242 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">680\u00a0Mio.\u00a0\u20ac) erhalten sowie Sicherheiten (Collateral Deals) in</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1049 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">H\u00f6he von 312\u00a0Mio.\u00a0\u20ac (2024: 652\u00a0Mio.\u00a0\u20ac) geleistet. Die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1050 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:255.27pt\">nachfolgende Tabelle enth\u00e4lt keine Sicherheiten f\u00fcr Derivate.</span></div><div class=\"ps8844 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:204.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"3\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss387\"><div><div class=\"ps277 ss386\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-36b68314 ps4464\">Summe <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps616\">2025</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Sicherheiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps621\">Aktien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">71<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps621\">Bareinlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.198<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps621\">Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3004 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps36\">Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps621\">Gewerbliche Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3713 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">440<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps621\">Private Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4330 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">14.176<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps36\">Pers\u00f6nliche Sicherheiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps621\">Garantien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5526 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">8.949<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps621\">Kreditderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps8841 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">315<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps36\">Andere Formen der Besicherung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps489 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-37455c2a ps621\">Lebensversicherungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps8842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">405<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss388\"><div><div class=\"ps291 ss386\"><span class=\"f charStyle-7ff22fcd ps36\">Erhaltene Sicherheiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps8843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">25.554<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>65 |",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCollateralExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-771": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2895\">Echte Pensionsgesch\u00e4fte</span><div class=\"ps6279 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Pensionsnehmer \u2013 Forderungen <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kreditinstitute</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Pensionsgeber \u2013 Verbindlichkeiten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kreditinstitute</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2844 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2845 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2243 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Pensionsgesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3969 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3970 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6280 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps185\">41 |<span class=\"f ps37\"> </span></span><span class=\"f charStyle-b1e544a7 ps2895\">\u00dcbertragene, aber nicht vollst\u00e4ndig </span></div><div class=\"ps6281 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2895\">ausgebuchte finanzielle Verm\u00f6genswerte</span></div><div class=\"ps6287 ss0\"><div class=\"ss431 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-584de24a ps4471\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6283 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-37455c2a ps5397\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Buchwert der \u00fcbertragenen <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-71900c34 ps6284\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6285 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-cc1eb9a4 ps6284\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2242 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Buchwert der dazugeh\u00f6rigen <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2844 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-71900c34 ps6284\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6286 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-cc1eb9a4 ps6284\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6288 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">\u00dcbertragene, aber nicht vollst\u00e4ndig ausgebuchte finanzielle</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps6289 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verm\u00f6genswerte betreffen echte Pensionsgesch\u00e4fte. Durch</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6290 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">die weitere Eigent\u00fcmerschaft ist die BAWAG hinsichtlich der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6291 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">\u00fcbertragenen Wertpapiere weiterhin dem Kurs-, Zins-,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps6292 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">W\u00e4hrungs- und Kreditrisiko ausgesetzt. Die \u00fcbertragenen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6293 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Verm\u00f6genswerte sind f\u00fcr den Verkauf gesperrt und werden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps185\" style=\"width:211.06pt\">bei der Liquidit\u00e4tsberechnung nicht ber\u00fccksichtigt.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfRepurchaseAndReverseRepurchaseAgreementsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-772": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Saldierung von finanziellen </span><div class=\"ps6297 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Verm\u00f6genswerten und finanziellen </span></div><div class=\"ps6298 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Verbindlichkeiten</span></div><div class=\"ps6299 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die BAWAG schlie\u00dft gem\u00e4\u00df den Globalnettingvereinbarungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6300 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">(Rahmenvertrag) der International Swaps and Derivatives</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6301 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Association (ISDA) Derivategesch\u00e4fte ab. Grunds\u00e4tzlich werden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6302 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">die Betr\u00e4ge, die gem\u00e4\u00df solchen Vereinbarungen von jeder</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6303 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Gegenpartei an einem einzigen Tag im Hinblick auf alle</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps6304 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">ausstehenden Transaktionen in der gleichen W\u00e4hrung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6305 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">geschuldet werden, zu einem einzigen Nettobetrag</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6306 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">zusammengefasst, der von einer Partei an die andere zu</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zahlen ist. In bestimmten F\u00e4llen \u2013 zum Beispiel wenn ein</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kreditereignis wie ein Verzug eintritt \u2013 werden alle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">ausstehenden Transaktionen unter der Vereinbarung beendet,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">der Wert zur Beendigung wird ermittelt und es ist nur ein</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">einziger Nettobetrag zum Ausgleich aller Transaktionen zu</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:29.72pt\">zahlen.</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die ISDA-Vereinbarungen erf\u00fcllen die Kriterien f\u00fcr die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Saldierung in der Bilanz nicht. Dies liegt daran, dass die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">BAWAG zum gegenw\u00e4rtigen Zeitpunkt keinerlei</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Rechtsanspruch auf die Saldierung der erfassten Betr\u00e4ge hat,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">da das Recht auf eine Saldierung nur beim Eintritt k\u00fcnftiger</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ereignisse, wie zum Beispiel einem Verzug bei den</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Bankdarlehen oder anderen Kreditereignissen, durchsetzbar</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:12.46pt\">ist.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Repo- und Reverse-Repo-Transaktionen unterliegen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Globalnettingvereinbarungen, deren Saldierungsbedingungen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:230.66pt\">\u00e4hnlich denen in ISDA Master Netting Agreements sind.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die nachfolgenden Tabellen beinhalten finanzielle</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:228.15pt\">Verm\u00f6genswerte und finanzielle Verbindlichkeiten, die</span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:191.69pt\">in der Bilanz der BAWAG saldiert werden oder</span></div><div class=\"ps1558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">durchsetzbaren Globalnettingvereinbarungen und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">\u00e4hnlichen Vereinbarungen unterliegen, unabh\u00e4ngig davon,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:148.09pt\">ob sie in der Bilanz saldiert werden.</span></div><div class=\"ps6353 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verm\u00f6genswerte</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss432\"><div><div class=\"ps1091 ss399\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps5948 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3309 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3312 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps3132 ss433\"><div><div class=\"ps624 ss392\"><span class=\"f charStyle-37455c2a ps5400\">Betr\u00e4ge, die in der Bilanz nicht <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss392\"><span class=\"f charStyle-37455c2a ps6308\">saldiert wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3028 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss434\"><div><div class=\"ps6309 ss399\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps6310 ss399\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6319 ss435\"><div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps3872\">Bruttobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps4727\">Verm\u00f6gens-</span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6315\">werten in der </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6317\">Bilanz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6324 ss435\"><div><div class=\"ps6320 ss151\"><span class=\"f charStyle-37455c2a ps3872\">Bruttobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6321\">Verbindlich-</span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps6077\">keiten in der </span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6322\">Bilanz, die </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6323\">saldiert wurden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6326 ss435\"><div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps6325\">Nettobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps4727\">Verm\u00f6gens-</span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6315\">werten in der </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6317\">Bilanz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6327 ss435\"><div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps3138\">Finanz-<span class=\"f ps37\"> </span></span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6329 ss435\"><div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6328\">Erhaltene <span class=\"f ps37\"> </span></span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6323\">Barsicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6331 ss435\"><div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6330\">Nettobetrag<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps454 ss436\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Derivate <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss399\"><span class=\"f charStyle-37455c2a ps36\">(exkl. Sicherungsderivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6332 ss437\"><div><div class=\"ps2566 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">947<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3509 ss437\"><div><div class=\"ps2566 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">838<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3510 ss437\"><div><div class=\"ps2566 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3511 ss437\"><div><div class=\"ps2566 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">51<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3512 ss437\"><div><div class=\"ps2566 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">53<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6333 ss437\"><div><div class=\"ps2566 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2677 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.374<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.017<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">357<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">172<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6338 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">182<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2683 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Kredite und Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">44<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6343 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6344 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6345 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">26<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2689 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6347 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps6346\">2.365<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6348 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps6346\">1.873<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6349 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">492<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6350 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6351 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">235<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6352 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">34<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6372 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verm\u00f6genswerte</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss432\"><div><div class=\"ps1091 ss399\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps5948 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3309 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3312 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps3132 ss433\"><div><div class=\"ps624 ss392\"><span class=\"f charStyle-37455c2a ps5400\">Betr\u00e4ge, die in der Bilanz nicht <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss392\"><span class=\"f charStyle-37455c2a ps6308\">saldiert wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3028 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss434\"><div><div class=\"ps6309 ss399\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps6310 ss399\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6319 ss435\"><div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps3872\">Bruttobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps4727\">Verm\u00f6gens-</span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6315\">werten in der </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6317\">Bilanz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6324 ss435\"><div><div class=\"ps6320 ss151\"><span class=\"f charStyle-37455c2a ps3872\">Bruttobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6321\">Verbindlich-</span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps6077\">keiten in der </span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6322\">Bilanz, die </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6323\">saldiert wurden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6326 ss435\"><div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps6325\">Nettobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps4727\">Verm\u00f6gens-</span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6315\">werten in der </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6317\">Bilanz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6327 ss435\"><div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps3138\">Finanz-<span class=\"f ps37\"> </span></span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6329 ss435\"><div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6328\">Erhaltene <span class=\"f ps37\"> </span></span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6323\">Barsicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6331 ss435\"><div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6330\">Nettobetrag<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps454 ss432\"><div><div class=\"ps624 ss399\"><span class=\"f charStyle-37455c2a ps36\">Derivate <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss399\"><span class=\"f charStyle-37455c2a ps36\">(exkl. Sicherungsderivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6332 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.107<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3509 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">792<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3510 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">315<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3511 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3512 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">303<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6333 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps326 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6354 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6355 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.119<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6356 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">331<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6357 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6358 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">306<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6359 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps631 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Kredite und Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6360 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">131<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6361 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6362 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">31<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6363 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6364 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6365 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">31<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps636 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6366 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps6346\">2.688<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6367 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps6346\">2.011<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6368 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">677<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6369 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">28<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6370 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">609<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6371 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">40<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps797 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss432\"><div><div class=\"ps1091 ss399\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps5948 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3309 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3312 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps3132 ss433\"><div><div class=\"ps624 ss392\"><span class=\"f charStyle-37455c2a ps5400\">Betr\u00e4ge, die in der Bilanz nicht <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss392\"><span class=\"f charStyle-37455c2a ps6308\">saldiert wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3028 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss434\"><div><div class=\"ps6309 ss399\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps6310 ss399\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6319 ss435\"><div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps3872\">Bruttobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps6321\">Verbindlich-</span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6077\">keiten in der </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6317\">Bilanz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6324 ss435\"><div><div class=\"ps6320 ss151\"><span class=\"f charStyle-37455c2a ps3872\">Bruttobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps4727\">Verm\u00f6gens-</span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps6315\">werten in der </span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6322\">Bilanz, die </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6323\">saldiert wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6326 ss435\"><div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps6325\">Nettobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps6321\">Verbindlich-</span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6077\">keiten in der </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6317\">Bilanz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6327 ss435\"><div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps3138\">Finanz-<span class=\"f ps37\"> </span></span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6329 ss435\"><div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps3435\">Geleistete <span class=\"f ps37\"> </span></span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6323\">Barsicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6331 ss435\"><div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6330\">Nettobetrag<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps454 ss432\"><div><div class=\"ps624 ss399\"><span class=\"f charStyle-37455c2a ps36\">Derivate <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss399\"><span class=\"f charStyle-37455c2a ps36\">(exkl. Sicherungsderivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6332 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.147<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3509 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">697<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3510 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3511 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3512 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">282<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6333 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps326 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6354 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">899<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6355 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">808<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6356 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6357 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">67<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6358 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6359 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps631 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Repo-Transaktionen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6360 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6361 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6362 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6363 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6364 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6365 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps636 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Kundeneinlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6366 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6367 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6368 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6369 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6370 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6371 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps641 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6373 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps6346\">2.064<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6374 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps6346\">1.523<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6375 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">541<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6376 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">222<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6377 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">303<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6378 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">16<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6379 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:132.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss432\"><div><div class=\"ps1091 ss399\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps5948 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3309 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3312 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps3132 ss433\"><div><div class=\"ps624 ss392\"><span class=\"f charStyle-37455c2a ps5400\">Betr\u00e4ge, die in der Bilanz nicht <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss392\"><span class=\"f charStyle-37455c2a ps6308\">saldiert wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps3028 ss286\"><div><div class=\"ps6307 ss151\"><span class=\"f charStyle-145591b8 ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:60pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss434\"><div><div class=\"ps6309 ss399\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps6310 ss399\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6319 ss435\"><div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps3872\">Bruttobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps6321\">Verbindlich-</span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6077\">keiten in der </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6317\">Bilanz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6324 ss435\"><div><div class=\"ps6320 ss151\"><span class=\"f charStyle-37455c2a ps3872\">Bruttobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps4727\">Verm\u00f6gens-</span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps6315\">werten in der </span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6322\">Bilanz, die </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6323\">saldiert wurden</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6326 ss435\"><div><div class=\"ps6311 ss151\"><span class=\"f charStyle-37455c2a ps6325\">Nettobetr\u00e4ge <span class=\"f ps37\"> </span></span></div><div class=\"ps6313 ss151\"><span class=\"f charStyle-37455c2a ps6312\">von finanziellen </span></div><div class=\"ps6314 ss151\"><span class=\"f charStyle-37455c2a ps6321\">Verbindlich-</span></div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps6077\">keiten in der </span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6317\">Bilanz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6327 ss435\"><div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps3138\">Finanz-<span class=\"f ps37\"> </span></span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps3139\">instrumente<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6329 ss435\"><div><div class=\"ps6316 ss151\"><span class=\"f charStyle-37455c2a ps3435\">Geleistete <span class=\"f ps37\"> </span></span></div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6323\">Barsicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6331 ss435\"><div><div class=\"ps6318 ss151\"><span class=\"f charStyle-37455c2a ps6330\">Nettobetrag<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps454 ss432\"><div><div class=\"ps624 ss399\"><span class=\"f charStyle-37455c2a ps36\">Derivate <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss399\"><span class=\"f charStyle-37455c2a ps36\">(exkl. Sicherungsderivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps6332 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.095<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3509 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">642<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3510 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">453<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3511 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">72<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3512 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">365<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps6333 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">16<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps326 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6354 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.440<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6355 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6356 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">291<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6357 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">64<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6358 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">221<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6359 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps631 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Repo-Transaktionen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6360 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6361 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6362 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6363 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6364 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6365 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps636 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-37455c2a ps36\">Kundeneinlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6366 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6367 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">100<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6368 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6369 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6370 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6371 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps641 ss402\"><div><div class=\"ps291 ss399\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6373 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps6346\">2.635<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6374 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps6346\">1.891<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6375 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">744<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6376 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6377 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">586<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6378 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">22<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die nachfolgenden Tabellen leiten die Nettobetr\u00e4ge von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-612049ed ps2\" style=\"width:262.05pt\">finanziellen Verm\u00f6genswerten und finanziellen Verbindlichkeiten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:206.36pt\">in der Bilanz auf die jeweilige Bilanzposition \u00fcber:</span></div><div class=\"ps3127 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:140.25pt\"></td><td style=\"padding:0;width:219.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"8\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verm\u00f6genswerte</span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss439\"><div><div class=\"ps5210 ss438\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss438\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6380 ss441\"><div><div class=\"ps1792 ss440\"><span class=\"f charStyle-37455c2a ps36\">Bilanzposition<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3606 ss443\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6381\">Buchwert der <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4730\">Bilanzposition</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6384 ss443\"><div><div class=\"ps624 ss442\"><span class=\"f charStyle-37455c2a ps6382\">davon ohne <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6383\">Saldierungs-</span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4620\">vereinbarung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6386 ss443\"><div><div class=\"ps624 ss442\"><span class=\"f charStyle-37455c2a ps6385\">davon mit <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6383\">Saldierungs-</span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4620\">vereinbarung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss444\"><div><div class=\"ps624 ss438\"><span class=\"f charStyle-37455c2a ps36\">Derivate <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss438\"><span class=\"f charStyle-37455c2a ps36\">(exkl. Sicherungsderivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6387 ss445\"><div><div class=\"ps281 ss440\"><span class=\"f charStyle-37455c2a ps36\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6389 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">109<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6391 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6392 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">109<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2885 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6393 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6394 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">357<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6395 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6396 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">357<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5542 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Kredite und Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6397 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Kredite und Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6398 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps5453\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6399 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps5453\">50.723<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6401 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6400\">26<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5549 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6402 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps618\">51.215<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6403 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps618\">50.723<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6404 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps6388\">492<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6407 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:140.25pt\"></td><td style=\"padding:0;width:219.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss450\"><div><div class=\"ps276 ss438\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verm\u00f6genswerte</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss439\"><div><div class=\"ps5210 ss438\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss438\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6380 ss441\"><div><div class=\"ps1792 ss440\"><span class=\"f charStyle-37455c2a ps36\">Bilanzposition<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3606 ss443\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6381\">Buchwert der <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4730\">Bilanzposition</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6384 ss443\"><div><div class=\"ps624 ss442\"><span class=\"f charStyle-37455c2a ps6382\">davon ohne <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6383\">Saldierungs-</span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4620\">vereinbarung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6386 ss443\"><div><div class=\"ps624 ss442\"><span class=\"f charStyle-37455c2a ps6385\">davon mit <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6383\">Saldierungs-</span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4620\">vereinbarung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss444\"><div><div class=\"ps624 ss438\"><span class=\"f charStyle-37455c2a ps36\">Derivate <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss438\"><span class=\"f charStyle-37455c2a ps36\">(exkl. Sicherungsderivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6387 ss445\"><div><div class=\"ps281 ss440\"><span class=\"f charStyle-37455c2a ps36\">Handelsaktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6389 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">315<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6391 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6392 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">315<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2885 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6393 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6394 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">331<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6395 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6396 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">331<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5542 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Kredite und Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6397 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Kredite und Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6398 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps5453\">45.496<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6399 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps5453\">45.465<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6401 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6400\">31<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5549 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6406 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-36825deb ps6405\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6402 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps618\">46.142<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6403 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps618\">45.465<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6404 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps6388\">677<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6413 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:140.25pt\"></td><td style=\"padding:0;width:219.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss450\"><div><div class=\"ps276 ss438\"><span class=\"f charStyle-9f85f029 ps36\">Finanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss439\"><div><div class=\"ps5210 ss438\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss438\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6380 ss441\"><div><div class=\"ps1792 ss440\"><span class=\"f charStyle-37455c2a ps36\">Bilanzposition<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3606 ss443\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6381\">Buchwert der <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4730\">Bilanzposition</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6384 ss443\"><div><div class=\"ps624 ss442\"><span class=\"f charStyle-37455c2a ps6382\">davon ohne <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6383\">Saldierungs-</span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4620\">vereinbarung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6386 ss443\"><div><div class=\"ps624 ss442\"><span class=\"f charStyle-37455c2a ps6385\">davon mit <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6383\">Saldierungs-</span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4620\">vereinbarung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss444\"><div><div class=\"ps624 ss438\"><span class=\"f charStyle-37455c2a ps36\">Derivate <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss438\"><span class=\"f charStyle-37455c2a ps36\">(exkl. Sicherungsderivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps6387 ss445\"><div><div class=\"ps281 ss440\"><span class=\"f charStyle-37455c2a ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps6389 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">450<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps6391 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps6392 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">450<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2885 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6393 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6394 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6400\">91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6395 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6396 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6400\">91<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5542 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Repo-Transaktionen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6397 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verbindlichkeiten aus Verm\u00f6gens\u00fcbertragungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6398 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6399 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6401 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5549 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Kundeneinlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6406 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6402 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps5453\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6403 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps5453\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6404 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6408 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6409 ss448\"><div><div class=\"ps1092 ss440\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6410 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps618\">47.908<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6411 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps618\">47.367<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6412 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps6388\">541<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6414 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:140.25pt\"></td><td style=\"padding:0;width:219.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"8\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Finanzielle Verbindlichkeiten</span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss439\"><div><div class=\"ps5210 ss438\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss438\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6380 ss441\"><div><div class=\"ps1792 ss440\"><span class=\"f charStyle-37455c2a ps36\">Bilanzposition<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps3606 ss443\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6381\">Buchwert der <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4730\">Bilanzposition</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6384 ss443\"><div><div class=\"ps624 ss442\"><span class=\"f charStyle-37455c2a ps6382\">davon ohne <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6383\">Saldierungs-</span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4620\">vereinbarung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps6386 ss443\"><div><div class=\"ps624 ss442\"><span class=\"f charStyle-37455c2a ps6385\">davon mit <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss442\"><span class=\"f charStyle-37455c2a ps6383\">Saldierungs-</span></div><div class=\"ps1792 ss442\"><span class=\"f charStyle-37455c2a ps4620\">vereinbarung</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss444\"><div><div class=\"ps624 ss438\"><span class=\"f charStyle-37455c2a ps36\">Derivate <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss438\"><span class=\"f charStyle-37455c2a ps36\">(exkl. Sicherungsderivaten)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6387 ss445\"><div><div class=\"ps281 ss440\"><span class=\"f charStyle-37455c2a ps36\">Handelspassiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6389 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">453<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6391 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps6392 ss446\"><div><div class=\"ps281 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">453<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2885 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6393 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Sicherungsderivate<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6394 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">291<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6395 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6396 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6388\">291<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5542 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Repo-Transaktionen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6397 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Verbindlichkeiten aus Verm\u00f6gens\u00fcbertragungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6398 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6399 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6401 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5549 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-37455c2a ps36\">Kundeneinlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6406 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten gegen\u00fcber Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6402 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps5453\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6403 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps5453\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6404 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-cc1eb9a4 ps6390\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6408 ss447\"><div><div class=\"ps291 ss438\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6409 ss448\"><div><div class=\"ps291 ss440\"><span class=\"f charStyle-9208d16a ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6410 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps618\">46.914<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6411 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps618\">46.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6412 ss449\"><div><div class=\"ps291 ss442\"><span class=\"f charStyle-0b080fec ps6388\">744<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForOffsettingOfFinancialInstrumentsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-775": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Eventualforderungen, </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Eventualverbindlichkeiten und nicht </span></div><div class=\"ps2830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">ausgen\u00fctzte Kreditrahmen</span></div><div class=\"ps6432 ss0\"><div class=\"ss431 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:119.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss452\"><div><div class=\"ps277 ss451\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps6416 ss453\"><div><div class=\"ps281 ss103\"><span class=\"f charStyle-584de24a ps6415\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3819 ss453\"><div><div class=\"ps281 ss103\"><span class=\"f charStyle-37455c2a ps6417\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss454\"><div><div class=\"ps40 ss451\"><span class=\"f charStyle-7ff22fcd ps36\">Eventualverbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6419 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-36b68314 ps6418\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6421 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-0b080fec ps6420\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps704 ss455\"><div><div class=\"ps40 ss451\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten aus <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss451\"><span class=\"f charStyle-37455c2a ps36\">B\u00fcrgschaften</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6422 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-71900c34 ps6418\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6423 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6420\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss455\"><div><div class=\"ps40 ss451\"><span class=\"f charStyle-7ff22fcd ps36\">Von Kunden nicht ausgen\u00fctzte <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss451\"><span class=\"f charStyle-7ff22fcd ps36\">Kreditrahmen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6425 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-36b68314 ps6424\">17.436<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6427 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-0b080fec ps6426\">9.141<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps313 ss454\"><div><div class=\"ps40 ss451\"><span class=\"f charStyle-37455c2a ps36\">hievon jederzeit fristlos k\u00fcndbar<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6428 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps6084\">15.563<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6429 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">7.487<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss454\"><div><div class=\"ps40 ss451\"><span class=\"f charStyle-37455c2a ps36\">hievon nicht fristlos k\u00fcndbar<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6430 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps6142\">1.873<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6431 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">1.654<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6433 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Es besteht eine Verpflichtung der \u00f6sterreichischen Banken der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps6434 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">BAWAG aus der gem\u00e4\u00df \u00a7\u00a7\u00a093 und 93a BWG bzw.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6435 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Einlagensicherungs- und Anlegerentsch\u00e4digungsgesetz (ESAEG)</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6436 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vorgeschriebenen Mitgliedschaft bei einer</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6437 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Einlagensicherungseinrichtung. Die BAWAG ist Mitglied der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6438 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">einheitlichen Sicherungseinrichtung \u201eEinlagensicherung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:123.77pt\">AUSTRIA Ges.m.b.H.\u201c (\u201eESA\u201c).</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-774": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Eventualforderungen, </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Eventualverbindlichkeiten und nicht </span></div><div class=\"ps2830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">ausgen\u00fctzte Kreditrahmen</span></div><div class=\"ps6432 ss0\"><div class=\"ss431 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:119.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss452\"><div><div class=\"ps277 ss451\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps6416 ss453\"><div><div class=\"ps281 ss103\"><span class=\"f charStyle-584de24a ps6415\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3819 ss453\"><div><div class=\"ps281 ss103\"><span class=\"f charStyle-37455c2a ps6417\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss454\"><div><div class=\"ps40 ss451\"><span class=\"f charStyle-7ff22fcd ps36\">Eventualverbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6419 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-36b68314 ps6418\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6421 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-0b080fec ps6420\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps704 ss455\"><div><div class=\"ps40 ss451\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten aus <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss451\"><span class=\"f charStyle-37455c2a ps36\">B\u00fcrgschaften</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6422 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-71900c34 ps6418\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6423 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6420\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss455\"><div><div class=\"ps40 ss451\"><span class=\"f charStyle-7ff22fcd ps36\">Von Kunden nicht ausgen\u00fctzte <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss451\"><span class=\"f charStyle-7ff22fcd ps36\">Kreditrahmen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6425 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-36b68314 ps6424\">17.436<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6427 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-0b080fec ps6426\">9.141<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps313 ss454\"><div><div class=\"ps40 ss451\"><span class=\"f charStyle-37455c2a ps36\">hievon jederzeit fristlos k\u00fcndbar<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6428 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps6084\">15.563<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6429 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">7.487<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss454\"><div><div class=\"ps40 ss451\"><span class=\"f charStyle-37455c2a ps36\">hievon nicht fristlos k\u00fcndbar<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6430 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps6142\">1.873<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6431 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">1.654<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6433 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Es besteht eine Verpflichtung der \u00f6sterreichischen Banken der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps6434 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">BAWAG aus der gem\u00e4\u00df \u00a7\u00a7\u00a093 und 93a BWG bzw.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6435 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Einlagensicherungs- und Anlegerentsch\u00e4digungsgesetz (ESAEG)</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6436 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vorgeschriebenen Mitgliedschaft bei einer</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6437 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Einlagensicherungseinrichtung. Die BAWAG ist Mitglied der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6438 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">einheitlichen Sicherungseinrichtung \u201eEinlagensicherung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:123.77pt\">AUSTRIA Ges.m.b.H.\u201c (\u201eESA\u201c).</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCommitmentsAndContingentLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-773": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Eventualforderungen, </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Eventualverbindlichkeiten und nicht </span></div><div class=\"ps2830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">ausgen\u00fctzte Kreditrahmen</span></div><div class=\"ps6432 ss0\"><div class=\"ss431 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:119.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss452\"><div><div class=\"ps277 ss451\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps6416 ss453\"><div><div class=\"ps281 ss103\"><span class=\"f charStyle-584de24a ps6415\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3819 ss453\"><div><div class=\"ps281 ss103\"><span class=\"f charStyle-37455c2a ps6417\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss454\"><div><div class=\"ps40 ss451\"><span class=\"f charStyle-7ff22fcd ps36\">Eventualverbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6419 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-36b68314 ps6418\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6421 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-0b080fec ps6420\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps704 ss455\"><div><div class=\"ps40 ss451\"><span class=\"f charStyle-37455c2a ps36\">Verbindlichkeiten aus <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss451\"><span class=\"f charStyle-37455c2a ps36\">B\u00fcrgschaften</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6422 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-71900c34 ps6418\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6423 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6420\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss455\"><div><div class=\"ps40 ss451\"><span class=\"f charStyle-7ff22fcd ps36\">Von Kunden nicht ausgen\u00fctzte <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss451\"><span class=\"f charStyle-7ff22fcd ps36\">Kreditrahmen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6425 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-36b68314 ps6424\">17.436<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6427 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-0b080fec ps6426\">9.141<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps313 ss454\"><div><div class=\"ps40 ss451\"><span class=\"f charStyle-37455c2a ps36\">hievon jederzeit fristlos k\u00fcndbar<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6428 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps6084\">15.563<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6429 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">7.487<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss454\"><div><div class=\"ps40 ss451\"><span class=\"f charStyle-37455c2a ps36\">hievon nicht fristlos k\u00fcndbar<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6430 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-71900c34 ps6142\">1.873<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6431 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">1.654<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6433 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Es besteht eine Verpflichtung der \u00f6sterreichischen Banken der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps6434 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">BAWAG aus der gem\u00e4\u00df \u00a7\u00a7\u00a093 und 93a BWG bzw.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6435 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Einlagensicherungs- und Anlegerentsch\u00e4digungsgesetz (ESAEG)</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6436 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vorgeschriebenen Mitgliedschaft bei einer</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6437 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Einlagensicherungseinrichtung. Die BAWAG ist Mitglied der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6438 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">einheitlichen Sicherungseinrichtung \u201eEinlagensicherung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:123.77pt\">AUSTRIA Ges.m.b.H.\u201c (\u201eESA\u201c).</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfContingentLiabilitiesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-776": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Leasinggesch\u00e4fte</span><div class=\"ps1238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Finanzierungsleasing aus Sicht der BAWAG als Leasinggeber</span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Forderungen aus Finanzierungsleasing-Vertr\u00e4gen werden in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:224.04pt\">der Bilanz als \u201eForderungen an Kunden\u201c ausgewiesen.</span><span class=\"f charStyle-34546584 ps6490\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die BAWAG verleast im Rahmen von Finanzierungsleasing</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:157.02pt\">sowohl Mobilien als auch Immobilien.</span><span class=\"f charStyle-34546584 ps6491\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die folgende Tabelle zeigt die \u00dcberleitung des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Bruttoinvestitionswertes auf den Barwert, gegliedert nach</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Restlaufzeiten f\u00fcr alle laufenden Leasingvertr\u00e4ge (ohne offene</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:34.4pt\">Posten):</span></div><div class=\"ps5318 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4462\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps4220\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Gesamtbetrag der ausstehenden Leasingraten (Bruttoinvestitionswert)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">497<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.043<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.599<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Noch nicht realisierte Finanzertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">67<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">166<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Forderungen aus Finanzierungsleasing (Nettoinvestitionswert)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">430<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">949<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps772\">1.433<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6492 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4462\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4217\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps4218\">\u00dcber <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4219\">5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps4243\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Gesamtbetrag der ausstehenden Leasingraten (Bruttoinvestitionswert)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">523<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.034<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">62<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.619<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Noch nicht realisierte Finanzertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">72<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">103<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">182<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Forderungen aus Finanzierungsleasing (Nettoinvestitionswert)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">451<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">931<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.437<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6493 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Am 31. Dezember 2025 betragen die nicht garantierten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6494 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:160.25pt\">Restwerte 10\u00a0Mio.\u00a0\u20ac (2024: 15\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps6495 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Es waren 5,8\u00a0Mio.\u00a0\u20ac Wertberichtigungen f\u00fcr uneinbringliche</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps6496 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:229.48pt\">Mindestleasingzahlungen zu buchen (2024: 5,9\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps6497 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">BAWAG als Leasingnehmer (Mieter)</span></div><div class=\"ps6498 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die BAWAG least B\u00fcrogeb\u00e4ude, Filialen, Betriebs- und</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps6499 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Gesch\u00e4ftsausstattung sowie Fahrzeuge \u00fcber verschiedene</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6500 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Mietvertr\u00e4ge. Die vom Konzern abgeschlossenen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6501 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Leasingverh\u00e4ltnisse wurden zu gesch\u00e4fts\u00fcblichen Konditionen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6502 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">get\u00e4tigt und enthalten in der Regel Preisanpassungsklauseln,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps6493 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">welche den Marktkonditionen f\u00fcr Gesch\u00e4ftsliegenschaften</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6494 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">entsprechen. Aus diesen Leasingverh\u00e4ltnissen ergeben sich</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6503 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">keine Restriktionen f\u00fcr zuk\u00fcnftige Dividendenzahlungen oder</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps6495 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:200.16pt\">f\u00fcr Fremdkapitalaufnahmen durch den Konzern.</span></div><div class=\"ps6504 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Zum 31. Dezember 2025 betragen die Nutzungsrechte</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps6497 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">153,2\u00a0Mio.\u00a0\u20ac (2024: 162,5\u00a0Mio.\u00a0\u20ac). Davon werden 152,9\u00a0Mio.\u00a0\u20ac</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps6498 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">(2024: 162,1\u00a0Mio.\u00a0\u20ac) unter der Position Sachanlagen und</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps6499 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">0,3\u00a0Mio.\u00a0\u20ac (2024: 0,4\u00a0Mio.\u00a0\u20ac) unter der Position Forderungen</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps6500 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">an Kunden zu fortgef\u00fchrten Anschaffungskosten ausgewiesen.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps6501 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die folgende Tabelle zeigt die Entwicklung der Nutzungsrechte,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6502 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:118.84pt\">unterteilt in Anlagenklassen:</span></div><div class=\"ps6540 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:281.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss460\"><div><div class=\"ps900 ss459\"><span class=\"f charStyle-37455c2a ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4477 ss461\"><div><div class=\"ps6506 ss248\"><span class=\"f charStyle-37455c2a ps6505\">Grundst\u00fccke und <span class=\"f ps37\"> </span></span></div><div class=\"ps6508 ss248\"><span class=\"f charStyle-37455c2a ps6507\">Geb\u00e4ude</span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss461\"><div><div class=\"ps6506 ss248\"><span class=\"f charStyle-37455c2a ps6509\">Betriebs- und <span class=\"f ps37\"> </span></span></div><div class=\"ps6508 ss248\"><span class=\"f charStyle-37455c2a ps6510\">Gesch\u00e4ftsausstattung</span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps4479 ss461\"><div><div class=\"ps6508 ss248\"><span class=\"f charStyle-584de24a ps6511\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps844 ss462\"><div><div class=\"ps277 ss459\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u00a0\u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5260 ss463\"><div><div class=\"ps291 ss459\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwert 01.01.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6513 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-0b080fec ps6512\">162,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6515 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-0b080fec ps6514\">0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6516 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-36b68314 ps6512\">162,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5264 ss463\"><div><div class=\"ps291 ss459\"><span class=\"f charStyle-37455c2a ps36\">Zug\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6518 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6517\">18,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6519 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6520 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-71900c34 ps6517\">18,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps711 ss463\"><div><div class=\"ps291 ss459\"><span class=\"f charStyle-37455c2a ps36\">Abg\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6522 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6521\">-0,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps713 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6521\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6523 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-71900c34 ps6521\">-1,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2480 ss463\"><div><div class=\"ps291 ss459\"><span class=\"f charStyle-37455c2a ps36\">Neubeurteilungen &amp; Modifikationen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6524 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6521\">-1,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6525 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6188\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6526 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-71900c34 ps6521\">-1,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3215 ss463\"><div><div class=\"ps291 ss459\"><span class=\"f charStyle-37455c2a ps36\">Abschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6528 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6527\">-24,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6529 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6521\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6530 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-71900c34 ps6527\">-25,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3223 ss463\"><div><div class=\"ps291 ss459\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwert 31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6531 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-0b080fec ps6512\">153,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6532 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-0b080fec ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6533 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-36b68314 ps6512\">153,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3230 ss463\"><div><div class=\"ps291 ss459\"><span class=\"f charStyle-37455c2a ps621\">davon Sachanlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6534 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6064\">152,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6535 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6536 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-71900c34 ps6064\">152,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5339 ss463\"><div><div class=\"ps291 ss459\"><span class=\"f charStyle-37455c2a ps621\">davon Leasingforderungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6537 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6188\">0,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6538 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6539 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-71900c34 ps6188\">0,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps797 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss464 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:279pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:80.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss118\"><div><div class=\"ps900 ss117\"><span class=\"f charStyle-37455c2a ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2541 ss461\"><div><div class=\"ps6506 ss248\"><span class=\"f charStyle-37455c2a ps6505\">Grundst\u00fccke und <span class=\"f ps37\"> </span></span></div><div class=\"ps6508 ss248\"><span class=\"f charStyle-37455c2a ps6507\">Geb\u00e4ude</span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6542 ss461\"><div><div class=\"ps6506 ss248\"><span class=\"f charStyle-37455c2a ps6509\">Betriebs- und <span class=\"f ps37\"> </span></span></div><div class=\"ps6508 ss248\"><span class=\"f charStyle-37455c2a ps6510\">Gesch\u00e4ftsausstattung</span></div></div></div></td><td style=\"padding:0\"></td><td rowspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6544 ss461\"><div><div class=\"ps6508 ss248\"><span class=\"f charStyle-37455c2a ps6543\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps844 ss123\"><div><div class=\"ps277 ss117\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u00a0\u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5260 ss465\"><div><div class=\"ps291 ss117\"><span class=\"f charStyle-9208d16a ps36\">Buchwert 01.01.2024 </span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6545 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-0b080fec ps6512\">168,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6546 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-0b080fec ps6514\">1,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6547 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-0b080fec ps6512\">169,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5264 ss465\"><div><div class=\"ps291 ss117\"><span class=\"f charStyle-37455c2a ps36\">Zug\u00e4nge <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6548 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6188\">8,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6549 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6550 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6188\">8,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps711 ss465\"><div><div class=\"ps291 ss117\"><span class=\"f charStyle-37455c2a ps36\">Abg\u00e4nge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6551 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6552 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6521\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6553 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6521\">-0,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2480 ss465\"><div><div class=\"ps291 ss117\"><span class=\"f charStyle-37455c2a ps36\">Neubeurteilungen &amp; Modifikationen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6554 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6188\">9,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6555 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6556 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6188\">9,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3215 ss465\"><div><div class=\"ps291 ss117\"><span class=\"f charStyle-37455c2a ps36\">Abschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6557 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6527\">-24,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6558 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6521\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6559 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6527\">-24,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3223 ss465\"><div><div class=\"ps291 ss117\"><span class=\"f charStyle-9208d16a ps36\">Buchwert 31.12.2024</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6560 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-0b080fec ps6512\">162,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6561 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-0b080fec ps6514\">0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6562 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-0b080fec ps6512\">162,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3230 ss465\"><div><div class=\"ps291 ss117\"><span class=\"f charStyle-37455c2a ps621\">davon Sachanlagen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6563 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6064\">161,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6564 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6188\">0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6565 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6064\">162,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5339 ss465\"><div><div class=\"ps291 ss117\"><span class=\"f charStyle-37455c2a ps621\">davon Leasingforderungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6566 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6188\">0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6567 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps4505\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6568 ss252\"><div><div class=\"ps291 ss248\"><span class=\"f charStyle-cc1eb9a4 ps6188\">0,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6569 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Seit 1. J\u00e4nner 2025 wurde ein Zugang zu den Nutzungsrechten</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps5225 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">in H\u00f6he von 18,0\u00a0Mio.\u00a0\u20ac (2024: 8,2\u00a0Mio.\u00a0\u20ac) erfasst. Dieser</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">resultiert aus neuen Leasingverh\u00e4ltnissen von Geb\u00e4uden,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">wovon 10,9 Mio. \u20ac den Erwerb der Barclays Consumer Bank</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps6572 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:73.91pt\">Europe betreffen.</span></div><div class=\"ps6569 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zum 31.Dezember 2025 betr\u00e4gt die Leasingverbindlichkeit</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps5225 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">161,7\u00a0Mio.\u00a0\u20ac (2024: 172,3\u00a0Mio.\u00a0\u20ac) und wird unter der Position</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps6570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Sonstige Verbindlichkeiten ausgewiesen. Die folgende Tabelle</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps6571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:223.59pt\">zeigt die F\u00e4lligkeitsanalyse der Leasingverbindlichkeit:</span><span class=\"f charStyle-34546584 ps6573\" style=\"width:2.36pt\"> </span></div><div class=\"ps6584 ss0\"><div class=\"ss170 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss467\"><div><div class=\"ps277 ss466\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u00a0\u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps6574 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6575 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss468\"><div><div class=\"ps291 ss466\"><span class=\"f charStyle-37455c2a ps36\">Bis 1 Jahr<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6576 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">19,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6577 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">25,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss468\"><div><div class=\"ps291 ss466\"><span class=\"f charStyle-37455c2a ps36\">1\u20135 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6578 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">62,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6579 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">65,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss468\"><div><div class=\"ps291 ss466\"><span class=\"f charStyle-37455c2a ps36\">\u00dcber 5 Jahre<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6580 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">79,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6581 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">80,8<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss468\"><div><div class=\"ps291 ss466\"><span class=\"f charStyle-7ff22fcd ps36\">Summe Leasingverbindlichkeit<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6582 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps441\">161,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6583 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps441\">172,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6585 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Die folgende Tabelle zeigt die Auswirkungen des IFRS 16 auf</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps6586 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:106.4pt\">den Gewinn oder Verlust:</span></div><div class=\"ps6599 ss0\"><div class=\"ss170 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss467\"><div><div class=\"ps277 ss466\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u00a0\u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps6574 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6575 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss468\"><div><div class=\"ps291 ss466\"><span class=\"f charStyle-37455c2a ps36\">Abschreibung Nutzungsrechte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6576 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">25,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6577 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">24,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss468\"><div><div class=\"ps291 ss466\"><span class=\"f charStyle-37455c2a ps621\">Grundst\u00fccke und Geb\u00e4ude<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6578 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">24,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6579 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">24,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss468\"><div><div class=\"ps291 ss466\"><span class=\"f charStyle-37455c2a ps621\">Betriebs- und Gesch\u00e4ftsausstattung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6580 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6581 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss468\"><div><div class=\"ps291 ss466\"><span class=\"f charStyle-37455c2a ps36\">Zinsaufwand Leasingverbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6582 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">2,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6583 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss468\"><div><div class=\"ps291 ss466\"><span class=\"f charStyle-37455c2a ps36\">Aufwendungen f\u00fcr kurzfristige Leasingverh\u00e4ltnisse<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6587 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6588 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss468\"><div><div class=\"ps291 ss466\"><span class=\"f charStyle-37455c2a ps36\">Aufwendungen f\u00fcr Leasingverh\u00e4ltnisse von geringwertigem Leasingverm\u00f6gen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6589 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6590 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss468\"><div><div class=\"ps291 ss466\"><span class=\"f charStyle-37455c2a ps36\">Aufwendungen f\u00fcr variable Zahlungen unabh\u00e4ngig von einem Index oder Zinssatz<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6591 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6592 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss468\"><div><div class=\"ps291 ss466\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6593 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps515\">28,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6594 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">28,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps478 ss468\"><div><div class=\"ps291 ss466\"><span class=\"f charStyle-37455c2a ps36\">Gesamte geleistete Zahlungen aus Mietverh\u00e4ltnissen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6595 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps708\">-27<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps6596 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss468\"><div><div class=\"ps291 ss466\"><span class=\"f charStyle-37455c2a ps36\">Erhaltene Zahlungen aus Unterleasing von Nutzungsrechten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6597 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6598 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLeasesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-778": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Liste konsolidierter Tochterunternehmen</span><div class=\"ps6934 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:351.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss509\"><div><div class=\"ps1091 ss508\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps4040 ss511\"><div><div class=\"ps281 ss510\"><span class=\"f charStyle-584de24a ps6855\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6856 ss511\"><div><div class=\"ps281 ss510\"><span class=\"f charStyle-37455c2a ps3801\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps292 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-7ff22fcd ps36\">Banken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4049 ss514\"><div><div class=\"ps1092 ss513\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"border-top:1pt solid #9b0000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6857 ss155\"><div><div class=\"ps1092 ss151\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6858 ss514\"><div><div class=\"ps1092 ss513\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"border-top:1pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6331 ss155\"><div><div class=\"ps1092 ss151\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. AG, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4054 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6860 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6861 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6863 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. Wohnbaubank Aktiengesellschaft, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4059 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6864 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6865 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6866 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Idaho First Bank, McCall<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4064 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6867 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6868 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3393 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Knab N.V., Amsterdam<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4069 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6869 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34 ps5393\">Verschmolzen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6870 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6871 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">start:bausparkasse AG, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4074 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6872 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6873 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps6333 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-7ff22fcd ps36\">Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Promontoria Holding 136 B.V., Amsterdam<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4084 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6874 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6875 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6876 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">R &amp; B Leasinggesellschaft m.b.H. in Liqu., Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4089 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6877 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6878 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6879 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">RVG Realit\u00e4tenverwertungsgesellschaft m.b.H., Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4094 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6880 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6881 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6882 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-7ff22fcd ps36\">Leasing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps489 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">ALSATRAM SAS, Paris<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4106 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6883 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6884 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6885 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG EVOLUTION SAS, Paris<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6886 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6887 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6888 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6889 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG FB France SAS, Paris<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6890 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6891 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6892 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6893 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG RAIL SAS, Paris<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6894 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6895 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6896 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6897 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG RB France SAS, Paris<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6898 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6899 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6900 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6901 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. IMMOBILIENLEASING GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6902 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6903 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6904 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5802 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps771 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. LEASING Holding GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6905 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6906 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6907 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6908 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. MOBILIENLEASING GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6909 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6910 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6911 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6912 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1767 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">CVG Immobilien GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6913 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6914 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6915 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6916 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1771 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">easyleasing GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6917 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6918 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6919 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6920 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3985 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">HBV Holding und Beteiligungsverwaltung GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6921 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6922 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6923 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6924 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3988 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">KLB Baulandentwicklung GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6925 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6926 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6927 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6928 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6929 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">P.S.K. IMMOBILIENLEASING GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6930 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6931 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6932 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6933 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss518 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:351.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige Nichtbanken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps6936 ss514\"><div><div class=\"ps1092 ss513\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps6937 ss515\"><div><div class=\"ps1092 ss110\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6938 ss514\"><div><div class=\"ps1092 ss513\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6939 ss515\"><div><div class=\"ps1092 ss110\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6940 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG Education Trust, Wilmington<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6941 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6942 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34 ps3611\">Entkonsolidiert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6943 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6945 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1325 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG Group Germany GmbH, Eschborn<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6946 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6948 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6949 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6950 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2548 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. IMMOBILIEN GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6951 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6952 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6953 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6954 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6151 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Best Egg Inc., Wilmington<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6955 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">E<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6957 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">32,41%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6958 ss514\"><div><div class=\"ps293 ss513\"><span class=\"f charStyle-eab6cbcf ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6960 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps705 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Bonnie RE UK 1 B.V., Amsterdam<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6961 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6962 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6963 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6964 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2341 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BPI Holding GmbH &amp; Co KG., Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6965 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6966 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6967 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6968 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2344 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">BRE Investment Corporation, Venice<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6969 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6970 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6971 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6972 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3215 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">BRE Investment Holding II Corporation, Venice<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6973 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6974 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6975 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6976 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3458 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BV Verm\u00f6gensverwaltung GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6977 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6978 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6979 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6980 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3464 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BVV Cayman Ltd., George Town<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6981 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6982 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6983 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6984 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3470 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-c5fdbd46 ps621\">Canadian Mortgage Loan Trust I, Toronto</span><span class=\"f charStyle-88cee56f ps6985\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6986 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6988 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6987\"></span><span class=\"ps6987\">0,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6989 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6991 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6990\"></span><span class=\"ps6990\">0,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3476 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-c5fdbd46 ps621\">Canadian Mortgage Loan Trust II, Toronto</span><span class=\"f charStyle-88cee56f ps6992\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6993 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6994 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6987\"></span><span class=\"ps6987\">0,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6995 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6996 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6990\"></span><span class=\"ps6990\">0,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">FCT Pearl, Pantin<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6997 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6998 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6999 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7000 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2816 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Health Coevo AG, Hamburg<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7001 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7002 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7003 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7004 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps896 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-c5fdbd46 ps621\">Knab Conditional Pass-Through Covered Bond Company B.V., Amsterdam</span><span class=\"f charStyle-88cee56f ps7005\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7006 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7007 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6987\"></span><span class=\"ps6987\">0,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7008 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7009 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6990\"></span><span class=\"ps6990\">0,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps901 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-c5fdbd46 ps621\">Knab Soft Bullet Covered Bond Company B.V., Amsterdam</span><span class=\"f charStyle-88cee56f ps7010\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7011 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7012 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6987\"></span><span class=\"ps6987\">0,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7013 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7014 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6990\"></span><span class=\"ps6990\">0,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1672 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Leasing-west GmbH, Rosenheim<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7015 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7016 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7017 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7018 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1676 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">Orange Loans B.V., Amsterdam<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7019 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7020 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps3611\">Entkonsolidiert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7021 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7022 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1114 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">PCT Nominee Owner LLP, Wilmington<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7023 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">E<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7024 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">26,05%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7025 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">E<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7027 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7026\"></span><span class=\"ps7026\">24,90%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3653 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Peak Bancorp, Inc., McCall<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7028 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7029 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7030 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7031 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3658 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">PFH Properties Funds Holding GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7032 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7033 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7034 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7035 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3663 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">Piedmont Portfolio Holdco LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7036 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7037 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7038 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7039 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4699 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">PSA Payment Services Austria GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7040 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">E<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7041 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">20,82%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7042 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">E<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7043 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7026\"></span><span class=\"ps7026\">20,82%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5312 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">P.S.K. Beteiligungsverwaltung GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7044 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7045 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7046 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7047 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5317 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">RF f\u00fcnfzehn BAWAG Mobilien-Leasing Gesellschaft m.b.H., Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7048 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7049 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7050 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7051 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4813 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Swiss Autofinance GmbH, Z\u00fcrich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7052 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7053 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7054 ss514\"><div><div class=\"ps293 ss513\"><span class=\"f charStyle-eab6cbcf ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7055 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7056 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Zahn\u00e4rztekasse AG, Pf\u00e4ffikon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7057 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7058 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7059 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7060 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1141 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">3495-3498 Piedmont Road Owner LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7061 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7062 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7063 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7064 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7065 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">3525 Piedmont Road Owner LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7066 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7067 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7068 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7069 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7070 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">3535 Piedmont Road Owner LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7071 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7072 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7073 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7074 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7075 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">3565 Piedmont Road Owner LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7076 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7077 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7078 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7079 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7080 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">3575 Piedmont Road Owner LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7081 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7082 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7083 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7084 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td colspan=\"9\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps7085 ss519\"><div><div class=\"ps5315 ss518\"><span class=\"f charStyle-5ee25b5a ps36\">V \u2026 Vollkonsolidierung, E \u2026 Equity-Methode</span></div><div class=\"ps5316 ss518\"><span class=\"f charStyle-5ee25b5a ps36\">1 Aufgrund von Wesentlichkeit gem\u00e4\u00df IFRS 10 zu konsolidieren. </span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps356 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wesentliche Tochterunternehmen werden gem\u00e4\u00df IFRS 10</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps19 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">vollkonsolidiert, w\u00e4hrend wesentliche assoziierte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:226.68pt\">Unternehmen nach IAS 28 at-equity bilanziert werden.</span></div><div class=\"ps358 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Tochterunternehmen sind Unternehmen, f\u00fcr welche die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps21 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">BAWAG Beherrschung gem\u00e4\u00df IFRS 10 aus\u00fcbt. Beherrschung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps359 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">liegt vor, wenn die BAWAG variablen R\u00fcckfl\u00fcssen aus ihrer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps22 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Beziehung zu einem Tochterunternehmen ausgesetzt ist und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps360 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">sie gleichzeitig \u00fcber die F\u00e4higkeit verf\u00fcgt, diese R\u00fcckfl\u00fcsse</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps23 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">durch ihre Entscheidungsmacht \u00fcber das Tochterunternehmen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps361 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:66.94pt\">zu beeinflussen.</span></div><div class=\"ps362 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Assoziierte Unternehmen nach IAS 28 sind alle Unternehmen,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps25 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">auf die die BAWAG ma\u00dfgeblichen Einfluss aus\u00fcbt, diese aber</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps363 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">nicht beherrscht oder gemeinschaftlich f\u00fchrt. Dies ist</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps26 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">grunds\u00e4tzlich der Fall, wenn die BAWAG zwischen 20% und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps364 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:110.84pt\">50% der Stimmrechte h\u00e4lt.</span></div><div class=\"ps365 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Klassifizierung, ob ein Tochterunternehmen/assoziiertes</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps28 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:249.77pt\">Unternehmen wesentlich ist, wird einmal j\u00e4hrlich \u00fcberpr\u00fcft.</span></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInSubsidiariesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-777": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Liste konsolidierter Tochterunternehmen</span><div class=\"ps6934 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:351.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss509\"><div><div class=\"ps1091 ss508\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps4040 ss511\"><div><div class=\"ps281 ss510\"><span class=\"f charStyle-584de24a ps6855\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6856 ss511\"><div><div class=\"ps281 ss510\"><span class=\"f charStyle-37455c2a ps3801\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps292 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-7ff22fcd ps36\">Banken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4049 ss514\"><div><div class=\"ps1092 ss513\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"border-top:1pt solid #9b0000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps6857 ss155\"><div><div class=\"ps1092 ss151\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6858 ss514\"><div><div class=\"ps1092 ss513\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"border-top:1pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6331 ss155\"><div><div class=\"ps1092 ss151\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. AG, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4054 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6860 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6861 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6863 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. Wohnbaubank Aktiengesellschaft, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4059 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6864 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6865 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6866 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Idaho First Bank, McCall<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4064 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6867 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6868 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3393 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Knab N.V., Amsterdam<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4069 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6869 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34 ps5393\">Verschmolzen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6870 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6871 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">start:bausparkasse AG, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4074 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6872 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6873 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps6333 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-7ff22fcd ps36\">Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Promontoria Holding 136 B.V., Amsterdam<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4084 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6874 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6875 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6876 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps473 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">R &amp; B Leasinggesellschaft m.b.H. in Liqu., Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4089 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6877 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6878 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6879 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps478 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">RVG Realit\u00e4tenverwertungsgesellschaft m.b.H., Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4094 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6880 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6881 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6882 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps484 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-7ff22fcd ps36\">Leasing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps489 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">ALSATRAM SAS, Paris<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4106 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6883 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6884 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6885 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps494 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG EVOLUTION SAS, Paris<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6886 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6887 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6888 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6889 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps500 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG FB France SAS, Paris<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6890 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6891 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6892 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6893 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps505 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG RAIL SAS, Paris<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6894 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6895 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6896 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6897 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps512 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG RB France SAS, Paris<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6898 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6899 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6900 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6901 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps525 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. IMMOBILIENLEASING GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6902 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6903 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6904 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5802 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps771 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. LEASING Holding GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6905 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6906 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6907 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6908 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1763 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. MOBILIENLEASING GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6909 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6910 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6911 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6912 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1767 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">CVG Immobilien GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6913 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6914 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6915 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6916 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1771 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">easyleasing GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6917 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6918 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6919 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6920 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3985 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">HBV Holding und Beteiligungsverwaltung GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6921 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6922 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6923 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6924 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3988 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">KLB Baulandentwicklung GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6925 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6926 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6927 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6928 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6929 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">P.S.K. IMMOBILIENLEASING GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6930 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6931 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00</span><span class=\"ps6859\">%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6932 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6933 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6862\"></span><span class=\"ps6862\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss518 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:351.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:60pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:20.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:60pt\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige Nichtbanken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps6936 ss514\"><div><div class=\"ps1092 ss513\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;padding:0\"><div class=\"ps6937 ss515\"><div><div class=\"ps1092 ss110\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6938 ss514\"><div><div class=\"ps1092 ss513\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps6939 ss515\"><div><div class=\"ps1092 ss110\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6940 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG Education Trust, Wilmington<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6941 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6942 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34 ps3611\">Entkonsolidiert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6943 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6945 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1325 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG Group Germany GmbH, Eschborn<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6946 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6948 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6949 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6950 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2548 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BAWAG P.S.K. IMMOBILIEN GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6951 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6952 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6953 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6954 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6151 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Best Egg Inc., Wilmington<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6955 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">E<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6957 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">32,41%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6958 ss514\"><div><div class=\"ps293 ss513\"><span class=\"f charStyle-eab6cbcf ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6960 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps705 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Bonnie RE UK 1 B.V., Amsterdam<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6961 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6962 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6963 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6964 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2341 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BPI Holding GmbH &amp; Co KG., Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6965 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6966 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6967 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6968 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2344 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">BRE Investment Corporation, Venice<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6969 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6970 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6971 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6972 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3215 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">BRE Investment Holding II Corporation, Venice<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6973 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6974 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6975 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6976 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3458 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BV Verm\u00f6gensverwaltung GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6977 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6978 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6979 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6980 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3464 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">BVV Cayman Ltd., George Town<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6981 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6982 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6983 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6984 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3470 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-c5fdbd46 ps621\">Canadian Mortgage Loan Trust I, Toronto</span><span class=\"f charStyle-88cee56f ps6985\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6986 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6988 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6987\"></span><span class=\"ps6987\">0,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6989 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6991 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6990\"></span><span class=\"ps6990\">0,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3476 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-c5fdbd46 ps621\">Canadian Mortgage Loan Trust II, Toronto</span><span class=\"f charStyle-88cee56f ps6992\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6993 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6994 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6987\"></span><span class=\"ps6987\">0,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6995 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6996 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6990\"></span><span class=\"ps6990\">0,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2813 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">FCT Pearl, Pantin<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6997 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps6998 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6999 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7000 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2816 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Health Coevo AG, Hamburg<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7001 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7002 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7003 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7004 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps896 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-c5fdbd46 ps621\">Knab Conditional Pass-Through Covered Bond Company B.V., Amsterdam</span><span class=\"f charStyle-88cee56f ps7005\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7006 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7007 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6987\"></span><span class=\"ps6987\">0,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7008 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7009 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6990\"></span><span class=\"ps6990\">0,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps901 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-c5fdbd46 ps621\">Knab Soft Bullet Covered Bond Company B.V., Amsterdam</span><span class=\"f charStyle-88cee56f ps7010\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7011 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7012 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6987\"></span><span class=\"ps6987\">0,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7013 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7014 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6990\"></span><span class=\"ps6990\">0,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1672 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Leasing-west GmbH, Rosenheim<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7015 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7016 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7017 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7018 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1676 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">Orange Loans B.V., Amsterdam<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7019 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7020 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34 ps3611\">Entkonsolidiert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7021 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7022 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1114 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">PCT Nominee Owner LLP, Wilmington<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7023 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">E<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7024 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">26,05%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7025 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">E<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7027 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7026\"></span><span class=\"ps7026\">24,90%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3653 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Peak Bancorp, Inc., McCall<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7028 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7029 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7030 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7031 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3658 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">PFH Properties Funds Holding GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7032 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7033 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7034 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7035 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3663 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">Piedmont Portfolio Holdco LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7036 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7037 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7038 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7039 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4699 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">PSA Payment Services Austria GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7040 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">E<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7041 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">20,82%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7042 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">E<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7043 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7026\"></span><span class=\"ps7026\">20,82%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5312 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">P.S.K. Beteiligungsverwaltung GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7044 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7045 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7046 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7047 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5317 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">RF f\u00fcnfzehn BAWAG Mobilien-Leasing Gesellschaft m.b.H., Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7048 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7049 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7050 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7051 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4813 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Swiss Autofinance GmbH, Z\u00fcrich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7052 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7053 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7054 ss514\"><div><div class=\"ps293 ss513\"><span class=\"f charStyle-eab6cbcf ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7055 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7056 ss512\"><div><div class=\"ps291 ss508\"><span class=\"f charStyle-37455c2a ps621\">Zahn\u00e4rztekasse AG, Pf\u00e4ffikon<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7057 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7058 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6947\"></span><span class=\"ps6947\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7059 ss514\"><div><div class=\"ps291 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7060 ss515\"><div><div class=\"ps291 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6944\"></span><span class=\"ps6944\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1141 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">3495-3498 Piedmont Road Owner LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7061 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7062 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7063 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7064 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7065 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">3525 Piedmont Road Owner LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7066 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7067 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7068 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7069 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7070 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">3535 Piedmont Road Owner LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7071 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7072 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7073 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7074 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7075 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">3565 Piedmont Road Owner LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7076 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7077 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7078 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7079 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7080 ss516\"><div><div class=\"ps40 ss508\"><span class=\"f charStyle-37455c2a ps621\">3575 Piedmont Road Owner LLC, Dover<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7081 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">V<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7082 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-71900c34\"><span class=\"ps6956\"></span><span class=\"ps6956\">95,76%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7083 ss517\"><div><div class=\"ps40 ss513\"><span class=\"f charStyle-37455c2a ps36\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7084 ss113\"><div><div class=\"ps40 ss110\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps6959\"></span><span class=\"ps6959\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td colspan=\"9\" style=\"border-top:0.25pt solid #000;padding:0\"><div class=\"ps7085 ss519\"><div><div class=\"ps5315 ss518\"><span class=\"f charStyle-5ee25b5a ps36\">V \u2026 Vollkonsolidierung, E \u2026 Equity-Methode</span></div><div class=\"ps5316 ss518\"><span class=\"f charStyle-5ee25b5a ps36\">1 Aufgrund von Wesentlichkeit gem\u00e4\u00df IFRS 10 zu konsolidieren. </span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps356 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wesentliche Tochterunternehmen werden gem\u00e4\u00df IFRS 10</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps19 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">vollkonsolidiert, w\u00e4hrend wesentliche assoziierte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:226.68pt\">Unternehmen nach IAS 28 at-equity bilanziert werden.</span></div><div class=\"ps358 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Tochterunternehmen sind Unternehmen, f\u00fcr welche die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps21 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">BAWAG Beherrschung gem\u00e4\u00df IFRS 10 aus\u00fcbt. Beherrschung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps359 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">liegt vor, wenn die BAWAG variablen R\u00fcckfl\u00fcssen aus ihrer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps22 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Beziehung zu einem Tochterunternehmen ausgesetzt ist und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps360 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">sie gleichzeitig \u00fcber die F\u00e4higkeit verf\u00fcgt, diese R\u00fcckfl\u00fcsse</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps23 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">durch ihre Entscheidungsmacht \u00fcber das Tochterunternehmen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps361 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:66.94pt\">zu beeinflussen.</span></div><div class=\"ps362 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Assoziierte Unternehmen nach IAS 28 sind alle Unternehmen,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps25 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">auf die die BAWAG ma\u00dfgeblichen Einfluss aus\u00fcbt, diese aber</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps363 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">nicht beherrscht oder gemeinschaftlich f\u00fchrt. Dies ist</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps26 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">grunds\u00e4tzlich der Fall, wenn die BAWAG zwischen 20% und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps364 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:110.84pt\">50% der Stimmrechte h\u00e4lt.</span></div><div class=\"ps365 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Klassifizierung, ob ein Tochterunternehmen/assoziiertes</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps28 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:249.77pt\">Unternehmen wesentlich ist, wird einmal j\u00e4hrlich \u00fcberpr\u00fcft.</span></div></div><span class=\"f charStyle-b1e544a7 ps2852\">Liste wegen Unwesentlichkeit nicht </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">konsolidierter Tochter- und assoziierter </span></div><div class=\"ps2830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Unternehmen</span></div><div class=\"ps7143 ss0\"><div class=\"ss331 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:410.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss521\"><div><div class=\"ps1091 ss520\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps7087 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-584de24a ps7086\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps7088 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps292 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-7ff22fcd ps36\">Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7089 ss155\"><div><div class=\"ps1092 ss151\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7090 ss23\"><div><div class=\"ps1092 ss20\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">N &amp; M Immobilienentwicklungs GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps7091 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps7093 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">LSREF3 Tiger Aberdeen S.a.r.l., Luxemburg<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7094 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">LSREF3 Tiger Southampton S.a.r.l., Luxemburg<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7096 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss523\"><div><div class=\"ps40 ss520\"><span class=\"f charStyle-37455c2a ps621\">SWBI Stuttgart 1 GmbH, Stuttgart<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7098 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-71900c34 ps5393\">Verschmolzen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7099 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1823 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-7ff22fcd ps36\">Leasing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1831 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">BAWAG Leasing &amp; fleet s.r.o., Prag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps7100 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps7101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1839 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">Fides Leasing GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7103 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps7102\"></span><span class=\"ps7102\">50,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7104 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps440\"></span><span class=\"ps440\">50,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">Gara RPK Grundst\u00fccksverwaltungsgesellschaft m.b.H., Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7105 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7106 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps884 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">HFE alpha Handels-GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7108 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps7107\"></span><span class=\"ps7107\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7109 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps440\"></span><span class=\"ps440\">50,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1094 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">Kommunalleasing GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7110 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7111 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">PT Immobilienleasing GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7112 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7113 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1102 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige Nichtbanken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3251 ss523\"><div><div class=\"ps40 ss520\"><span class=\"f charStyle-37455c2a ps621\">BAWAG Group Advisors International GmbH, Eschborn<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7115 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-71900c34 ps7114\">Verschmolzen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7116 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3258 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">BAWAG Solar LLC, Wilmington<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7117 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps7102\"></span><span class=\"ps7102\">95,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7119 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7118\"></span><span class=\"ps7118\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4793 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">Depfa Ireland Holding Limited, Dublin<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7120 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps7107\"></span><span class=\"ps7107\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7121 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7122 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">Gyle Holding GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7123 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7124 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7125 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">Gyle JVCo Limited, London<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7126 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps7107\"></span><span class=\"ps7107\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7127 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps440\"></span><span class=\"ps440\">50,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7128 ss523\"><div><div class=\"ps40 ss520\"><span class=\"f charStyle-37455c2a ps621\">Robuust Hypotheken B.V., Rotterdam<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7129 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7130 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7118\"></span><span class=\"ps7118\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1744 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">ROMAX Immobilien GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7131 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7132 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps787 ss523\"><div><div class=\"ps40 ss520\"><span class=\"f charStyle-37455c2a ps621\">SWB Immowert GmbH, Stuttgart<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7133 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-71900c34 ps5393\">Verschmolzen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7134 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps792 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">Tiger Retail UK RE 1 S.a.r.l., Luxemburg<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7135 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7137 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">Tiger Retail UK RE 2 S.a.r.l., Luxemburg<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7138 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7140 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">US REO Trust, Wilmington<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7141 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7142 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps2852\">Anteile an assoziierten Unternehmen</span><div class=\"ps7160 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die in dieser Angabe enthaltenen Beteiligungen an</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7161 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">assoziierten Unternehmen werden nach der Equity-Methode</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7162 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">bilanziert. Die BAWAG beinhaltet drei Unternehmen, die at-</span></div><div class=\"ps7163 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">equity einbezogen werden: Best Egg Inc., Wilmington, PCT</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7164 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Nominee Owner LLP, Wilmington, und PSA Payment Services</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7165 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Austria GmbH, Wien (2024: PCT Nominee Owner LLP,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7166 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wilmington, und PSA Payment Services Austria GmbH, Wien).</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7167 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">In untenstehender Tabelle ist eine zusammengefasste</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7168 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzinformation zu den Anteilen des Konzerns an</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7169 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">assoziierten Unternehmen enthalten, die im Vergleich zur</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7170 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Bilanzsumme und zum Gewinn oder Verlust als unwesentlich</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7171 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">gesehen werden (Summe der Beteiligungsbuchwerte an</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7172 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">assoziierten Unternehmen 2025 ohne Best Egg Inc.,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7173 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:229.9pt\">Wilmington, da zur Ver\u00e4u\u00dferung gehalten nach IFRS 5):</span></div><div class=\"ps797 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Summe der Beteiligungsbuchwerte an <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps36\">assoziierten Unternehmen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps622\">106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">101<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Summe der Anteile am Gewinn oder <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps36\">Verlust</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4303 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps294\">6,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4304 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">4,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3586 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps36\">Summe der Anteile am sonstigen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps36\">Ergebnis</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5221 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps294\">4,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5222 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6408 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Summe der Anteile am Gesamtergebnis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7174 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">11,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7175 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">4,3<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfSignificantInvestmentsInAssociatesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-781": {
   "value": "<div class=\"ps356 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wesentliche Tochterunternehmen werden gem\u00e4\u00df IFRS 10</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps19 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">vollkonsolidiert, w\u00e4hrend wesentliche assoziierte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:226.68pt\">Unternehmen nach IAS 28 at-equity bilanziert werden.</span></div><div class=\"ps358 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Tochterunternehmen sind Unternehmen, f\u00fcr welche die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps21 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">BAWAG Beherrschung gem\u00e4\u00df IFRS 10 aus\u00fcbt. Beherrschung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps359 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">liegt vor, wenn die BAWAG variablen R\u00fcckfl\u00fcssen aus ihrer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps22 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Beziehung zu einem Tochterunternehmen ausgesetzt ist und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps360 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">sie gleichzeitig \u00fcber die F\u00e4higkeit verf\u00fcgt, diese R\u00fcckfl\u00fcsse</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps23 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">durch ihre Entscheidungsmacht \u00fcber das Tochterunternehmen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps361 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:66.94pt\">zu beeinflussen.</span></div><div class=\"ps362 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Assoziierte Unternehmen nach IAS 28 sind alle Unternehmen,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps25 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">auf die die BAWAG ma\u00dfgeblichen Einfluss aus\u00fcbt, diese aber</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps363 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">nicht beherrscht oder gemeinschaftlich f\u00fchrt. Dies ist</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps26 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">grunds\u00e4tzlich der Fall, wenn die BAWAG zwischen 20% und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps364 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:110.84pt\">50% der Stimmrechte h\u00e4lt.</span></div><div class=\"ps365 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Klassifizierung, ob ein Tochterunternehmen/assoziiertes</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps28 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:249.77pt\">Unternehmen wesentlich ist, wird einmal j\u00e4hrlich \u00fcberpr\u00fcft.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociates",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-780": {
   "value": "<div class=\"ps356 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wesentliche Tochterunternehmen werden gem\u00e4\u00df IFRS 10</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps19 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">vollkonsolidiert, w\u00e4hrend wesentliche assoziierte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:226.68pt\">Unternehmen nach IAS 28 at-equity bilanziert werden.</span></div><div class=\"ps358 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Tochterunternehmen sind Unternehmen, f\u00fcr welche die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps21 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">BAWAG Beherrschung gem\u00e4\u00df IFRS 10 aus\u00fcbt. Beherrschung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps359 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">liegt vor, wenn die BAWAG variablen R\u00fcckfl\u00fcssen aus ihrer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps22 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Beziehung zu einem Tochterunternehmen ausgesetzt ist und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps360 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">sie gleichzeitig \u00fcber die F\u00e4higkeit verf\u00fcgt, diese R\u00fcckfl\u00fcsse</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps23 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">durch ihre Entscheidungsmacht \u00fcber das Tochterunternehmen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps361 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:66.94pt\">zu beeinflussen.</span></div><div class=\"ps362 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Assoziierte Unternehmen nach IAS 28 sind alle Unternehmen,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps25 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">auf die die BAWAG ma\u00dfgeblichen Einfluss aus\u00fcbt, diese aber</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps363 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">nicht beherrscht oder gemeinschaftlich f\u00fchrt. Dies ist</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps26 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">grunds\u00e4tzlich der Fall, wenn die BAWAG zwischen 20% und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps364 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:110.84pt\">50% der Stimmrechte h\u00e4lt.</span></div><div class=\"ps365 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Klassifizierung, ob ein Tochterunternehmen/assoziiertes</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps28 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:249.77pt\">Unternehmen wesentlich ist, wird einmal j\u00e4hrlich \u00fcberpr\u00fcft.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForInvestmentInAssociatesAndJointVenturesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-779": {
   "value": "<div class=\"ps356 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wesentliche Tochterunternehmen werden gem\u00e4\u00df IFRS 10</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps19 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">vollkonsolidiert, w\u00e4hrend wesentliche assoziierte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:226.68pt\">Unternehmen nach IAS 28 at-equity bilanziert werden.</span></div><div class=\"ps358 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Tochterunternehmen sind Unternehmen, f\u00fcr welche die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps21 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">BAWAG Beherrschung gem\u00e4\u00df IFRS 10 aus\u00fcbt. Beherrschung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps359 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">liegt vor, wenn die BAWAG variablen R\u00fcckfl\u00fcssen aus ihrer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps22 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Beziehung zu einem Tochterunternehmen ausgesetzt ist und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps360 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">sie gleichzeitig \u00fcber die F\u00e4higkeit verf\u00fcgt, diese R\u00fcckfl\u00fcsse</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps23 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">durch ihre Entscheidungsmacht \u00fcber das Tochterunternehmen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps361 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:66.94pt\">zu beeinflussen.</span></div><div class=\"ps365 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Klassifizierung, ob ein Tochterunternehmen/assoziiertes</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps28 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:249.77pt\">Unternehmen wesentlich ist, wird einmal j\u00e4hrlich \u00fcberpr\u00fcft.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForSubsidiariesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-782": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Liste wegen Unwesentlichkeit nicht </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">konsolidierter Tochter- und assoziierter </span></div><div class=\"ps2830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">Unternehmen</span></div><div class=\"ps7143 ss0\"><div class=\"ss331 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:410.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss521\"><div><div class=\"ps1091 ss520\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps7087 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-584de24a ps7086\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps7088 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps292 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-7ff22fcd ps36\">Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7089 ss155\"><div><div class=\"ps1092 ss151\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7090 ss23\"><div><div class=\"ps1092 ss20\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps300 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">N &amp; M Immobilienentwicklungs GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps7091 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps7093 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">LSREF3 Tiger Aberdeen S.a.r.l., Luxemburg<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7094 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">LSREF3 Tiger Southampton S.a.r.l., Luxemburg<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7096 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss523\"><div><div class=\"ps40 ss520\"><span class=\"f charStyle-37455c2a ps621\">SWBI Stuttgart 1 GmbH, Stuttgart<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7098 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-71900c34 ps5393\">Verschmolzen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7099 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1823 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-7ff22fcd ps36\">Leasing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1831 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">BAWAG Leasing &amp; fleet s.r.o., Prag<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps7100 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps7101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1839 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">Fides Leasing GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7103 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps7102\"></span><span class=\"ps7102\">50,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7104 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps440\"></span><span class=\"ps440\">50,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">Gara RPK Grundst\u00fccksverwaltungsgesellschaft m.b.H., Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7105 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7106 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps884 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">HFE alpha Handels-GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7108 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps7107\"></span><span class=\"ps7107\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7109 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps440\"></span><span class=\"ps440\">50,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1094 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">Kommunalleasing GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7110 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7111 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1098 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">PT Immobilienleasing GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7112 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7113 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1102 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-7ff22fcd ps36\">Sonstige Nichtbanken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3251 ss523\"><div><div class=\"ps40 ss520\"><span class=\"f charStyle-37455c2a ps621\">BAWAG Group Advisors International GmbH, Eschborn<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7115 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-71900c34 ps7114\">Verschmolzen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7116 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3258 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">BAWAG Solar LLC, Wilmington<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7117 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps7102\"></span><span class=\"ps7102\">95,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7119 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7118\"></span><span class=\"ps7118\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4793 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">Depfa Ireland Holding Limited, Dublin<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7120 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps7107\"></span><span class=\"ps7107\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7121 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7122 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">Gyle Holding GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7123 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7124 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7125 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">Gyle JVCo Limited, London<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7126 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps7107\"></span><span class=\"ps7107\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7127 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps440\"></span><span class=\"ps440\">50,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7128 ss523\"><div><div class=\"ps40 ss520\"><span class=\"f charStyle-37455c2a ps621\">Robuust Hypotheken B.V., Rotterdam<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7129 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7130 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7118\"></span><span class=\"ps7118\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1744 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">ROMAX Immobilien GmbH, Wien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7131 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7132 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps787 ss523\"><div><div class=\"ps40 ss520\"><span class=\"f charStyle-37455c2a ps621\">SWB Immowert GmbH, Stuttgart<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7133 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-71900c34 ps5393\">Verschmolzen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7134 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps792 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">Tiger Retail UK RE 1 S.a.r.l., Luxemburg<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7135 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7137 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">Tiger Retail UK RE 2 S.a.r.l., Luxemburg<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7138 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7140 ss522\"><div><div class=\"ps291 ss520\"><span class=\"f charStyle-37455c2a ps621\">US REO Trust, Wilmington<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7141 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-71900c34\"><span class=\"ps845\"></span><span class=\"ps845\">100,00%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7142 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7092\"></span><span class=\"ps7092\">100,00%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps2852\">Assoziierte Unternehmen, die aufgrund </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">von Unwesentlichkeit nicht at-equity </span></div><div class=\"ps2830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">bewertet werden</span></div><div class=\"ps2853 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die folgende \u00dcbersicht zeigt wesentliche finanzielle Eckdaten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2854 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:216pt\">von nicht konsolidierten assoziierten Unternehmen:</span></div><div class=\"ps7144 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kumulierte Bilanzsumme<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">81<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kumuliertes Eigenkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kumuliertes Jahresergebnis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7145 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die in obiger Tabelle dargestellten Betr\u00e4ge basieren auf den</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps7146 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">letzten verf\u00fcgbaren Abschl\u00fcssen der entsprechenden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7147 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Gesellschaften, welche nach den jeweils anwendbaren</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7148 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Rechnungslegungsvorschriften erstellt wurden. Zum Zeitpunkt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7149 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Erstellung des Abschlusses der BAWAG zum 31.\u00a0Dezember</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7150 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">2025 lagen f\u00fcr einen Gro\u00dfteil der betroffenen Gesellschaften</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7151 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Abschl\u00fcsse zum Bilanzstichtag 31. Dezember 2024 vor</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7152 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.86pt\">(Vorjahr: 31. Dezember 2023).</span></div><div class=\"ps7153 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Wir m\u00f6chten darauf hinweisen, dass die obige Tabelle nicht</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7154 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">den \u00f6konomischen Anteil an den assoziierten Unternehmen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7155 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">widerspiegelt. Der durchschnittliche \u00f6konomische Anteil</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7156 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:105.06pt\">betr\u00e4gt 50% (2024: 50%).</span></div><div class=\"ps7157 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Bez\u00fcglich weiterer Details verweisen wir auf Note 36</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7158 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:247.12pt\">\u201eAngaben zu nahestehenden Personen und Unternehmen\u201c.</span></div><span class=\"f charStyle-b1e544a7 ps2895\">Anteile an nicht konsolidierten </span><div class=\"ps7177 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2895\">strukturierten Unternehmen</span></div><div class=\"ps7178 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Strukturierte Unternehmen sind derart ausgestaltet, dass</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7179 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Stimmrechte oder vergleichbare Rechte nicht der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7180 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">dominierende Faktor f\u00fcr die Bestimmung der Beherrschung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7181 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">der Einheit sind. Dies ist etwa der Fall, wenn sich Stimmrechte</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7182 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">lediglich auf die Verwaltungsaufgaben beziehen und die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7183 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">relevanten Aktivit\u00e4ten durch vertragliche Vereinbarungen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7184 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gesteuert werden. Ein strukturiertes Unternehmen zeichnet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7185 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">sich oftmals durch einige oder alle der folgenden Merkmale</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps7186 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:17.02pt\">aus:</span></div><div class=\"ps7187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:100.06pt\">Beschr\u00e4nkte T\u00e4tigkeiten</span></div><div class=\"ps7188 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:136.57pt\">Eng und genau definierter Zweck</span></div><div class=\"ps7189 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:119.76pt\">Unzureichendes Eigenkapital</span></div><div class=\"ps7190 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Finanzierung in Form zahlreicher vertraglich verkn\u00fcpfter</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7191 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Instrumente f\u00fcr Investoren, um Kredit- oder andere Risiken</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7192 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:93.47pt\">(Tranchen) zu b\u00fcndeln</span></div><div class=\"ps5523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die Einheiten, die Gegenstand dieser Anhangangabe sind,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps5524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden nicht konsolidiert, da der Konzern keine Beherrschung</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps5525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">\u00fcber Stimmrechte, Vertr\u00e4ge, Finanzierungsvereinbarungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7193 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">oder andere Mittel hat. Das Exposure der BAWAG gegen\u00fcber</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7194 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">nicht konsolidierten strukturierten Einheiten umfasst</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7195 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Leasingunternehmen, welche Spezialleasing betreiben und von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7197 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:127.7pt\">der BAWAG finanziert werden.</span><span class=\"f charStyle-34546584 ps7196\" style=\"width:2.36pt\"> </span></div><div class=\"ps7198 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Art der Gesch\u00e4ftsaktivit\u00e4ten einer strukturierten Einheit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7199 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">bestimmt deren Gr\u00f6\u00dfe. Bei den sonstigen strukturierten</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps7200 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Beteiligungen bestimmt die Bilanzsumme der Einheiten in</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7201 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">H\u00f6he von 26\u00a0Mio.\u00a0\u20ac (2024: 28\u00a0Mio.\u00a0\u20ac) die Gr\u00f6\u00dfe der</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps7202 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">strukturierten Unternehmen. Bei den Angaben zu den</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps7203 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Verbriefungen ist dies der Nennwert der ausgegebenen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7204 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Wertpapiere in H\u00f6he von 2.026\u00a0Mio.\u00a0\u20ac (2024: 1.283\u00a0Mio.\u00a0\u20ac)</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7205 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">bzw. bei Finanzierungen von sonstigen Zweckgesellschaften ist</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7206 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">dies der Finanzierungsbetrag in H\u00f6he von 2.444\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7207 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:57.91pt\">1.783\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die folgende Tabelle zeigt die Buchwerte der Verm\u00f6genswerte</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und Verbindlichkeiten, die die Anteile an nicht konsolidierten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">strukturierten Unternehmen betreffen, sowie die Ertr\u00e4ge aus</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">diesen strukturierten Einheiten. Die H\u00f6chstexponierung in</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bezug auf Verluste entspricht den mit den strukturierten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:179.08pt\">Einheiten verbundenen Verm\u00f6genswerten.</span><span class=\"f charStyle-34546584 ps7209\" style=\"width:2.36pt\"> </span></div><div class=\"ps7220 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss146\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwert der Verm\u00f6genswerte in <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindung mit Anteilen an </span></div><div class=\"ps2567 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">strukturierten Unternehmen </span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-36b68314 ps772\">4.236<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.085<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2574 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps621\">in der Bilanz ausgewiesen unter Zu <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps621\">fortgef\u00fchrten Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6246 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps625\">4.236<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6247 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.085<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2579 ss146\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwert der Verbindlichkeiten in <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindung mit Anteilen an </span></div><div class=\"ps2567 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">strukturierten Unternehmen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7210 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-36b68314 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7211 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-0b080fec ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3732 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">in der Bilanz ausgewiesen unter Zu <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">fortgef\u00fchrten Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4309 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4310 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps736 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Ertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps515\">81,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">83,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1718 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Zinsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps7214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">81,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps7215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">83,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1722 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrend der Berichtsperiode erlittener <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Verlust</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7216 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7217 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5347 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Maximal m\u00f6glicher Verlust<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7218 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">4.224<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7219 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.078<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7221 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die BAWAG hat weder im abgelaufenen Gesch\u00e4ftsjahr ein</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7222 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">nicht konsolidiertes strukturiertes Unternehmen finanziell</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7223 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">oder anderweitig unterst\u00fctzt, noch hat sie gegenw\u00e4rtig die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:55.36pt\">Absicht dazu.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInvestmentsOtherThanInvestmentsAccountedForUsingEquityMethodExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-783": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Assoziierte Unternehmen, die aufgrund </span><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">von Unwesentlichkeit nicht at-equity </span></div><div class=\"ps2830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2852\">bewertet werden</span></div><div class=\"ps2853 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die folgende \u00dcbersicht zeigt wesentliche finanzielle Eckdaten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2854 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:216pt\">von nicht konsolidierten assoziierten Unternehmen:</span></div><div class=\"ps7144 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kumulierte Bilanzsumme<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">38<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">81<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kumuliertes Eigenkapital<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Kumuliertes Jahresergebnis<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7145 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die in obiger Tabelle dargestellten Betr\u00e4ge basieren auf den</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps7146 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">letzten verf\u00fcgbaren Abschl\u00fcssen der entsprechenden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7147 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Gesellschaften, welche nach den jeweils anwendbaren</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7148 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Rechnungslegungsvorschriften erstellt wurden. Zum Zeitpunkt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7149 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Erstellung des Abschlusses der BAWAG zum 31.\u00a0Dezember</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7150 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">2025 lagen f\u00fcr einen Gro\u00dfteil der betroffenen Gesellschaften</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7151 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Abschl\u00fcsse zum Bilanzstichtag 31. Dezember 2024 vor</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7152 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.86pt\">(Vorjahr: 31. Dezember 2023).</span></div><div class=\"ps7153 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Wir m\u00f6chten darauf hinweisen, dass die obige Tabelle nicht</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7154 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">den \u00f6konomischen Anteil an den assoziierten Unternehmen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7155 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">widerspiegelt. Der durchschnittliche \u00f6konomische Anteil</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7156 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:105.06pt\">betr\u00e4gt 50% (2024: 50%).</span></div><div class=\"ps7157 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Bez\u00fcglich weiterer Details verweisen wir auf Note 36</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7158 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:247.12pt\">\u201eAngaben zu nahestehenden Personen und Unternehmen\u201c.</span></div><span class=\"f charStyle-b1e544a7 ps2895\">Anteile an nicht konsolidierten </span><div class=\"ps7177 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2895\">strukturierten Unternehmen</span></div><div class=\"ps7178 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Strukturierte Unternehmen sind derart ausgestaltet, dass</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7179 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Stimmrechte oder vergleichbare Rechte nicht der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7180 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">dominierende Faktor f\u00fcr die Bestimmung der Beherrschung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7181 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">der Einheit sind. Dies ist etwa der Fall, wenn sich Stimmrechte</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7182 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">lediglich auf die Verwaltungsaufgaben beziehen und die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7183 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">relevanten Aktivit\u00e4ten durch vertragliche Vereinbarungen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7184 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gesteuert werden. Ein strukturiertes Unternehmen zeichnet</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7185 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">sich oftmals durch einige oder alle der folgenden Merkmale</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps7186 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:17.02pt\">aus:</span></div><div class=\"ps7187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:100.06pt\">Beschr\u00e4nkte T\u00e4tigkeiten</span></div><div class=\"ps7188 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:136.57pt\">Eng und genau definierter Zweck</span></div><div class=\"ps7189 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:119.76pt\">Unzureichendes Eigenkapital</span></div><div class=\"ps7190 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Finanzierung in Form zahlreicher vertraglich verkn\u00fcpfter</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7191 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Instrumente f\u00fcr Investoren, um Kredit- oder andere Risiken</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7192 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:93.47pt\">(Tranchen) zu b\u00fcndeln</span></div><div class=\"ps5523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Die Einheiten, die Gegenstand dieser Anhangangabe sind,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps5524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden nicht konsolidiert, da der Konzern keine Beherrschung</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps5525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">\u00fcber Stimmrechte, Vertr\u00e4ge, Finanzierungsvereinbarungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7193 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">oder andere Mittel hat. Das Exposure der BAWAG gegen\u00fcber</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7194 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">nicht konsolidierten strukturierten Einheiten umfasst</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7195 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Leasingunternehmen, welche Spezialleasing betreiben und von</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7197 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:127.7pt\">der BAWAG finanziert werden.</span><span class=\"f charStyle-34546584 ps7196\" style=\"width:2.36pt\"> </span></div><div class=\"ps7198 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Art der Gesch\u00e4ftsaktivit\u00e4ten einer strukturierten Einheit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7199 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">bestimmt deren Gr\u00f6\u00dfe. Bei den sonstigen strukturierten</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps7200 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Beteiligungen bestimmt die Bilanzsumme der Einheiten in</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7201 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">H\u00f6he von 26\u00a0Mio.\u00a0\u20ac (2024: 28\u00a0Mio.\u00a0\u20ac) die Gr\u00f6\u00dfe der</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps7202 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">strukturierten Unternehmen. Bei den Angaben zu den</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps7203 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Verbriefungen ist dies der Nennwert der ausgegebenen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7204 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Wertpapiere in H\u00f6he von 2.026\u00a0Mio.\u00a0\u20ac (2024: 1.283\u00a0Mio.\u00a0\u20ac)</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7205 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">bzw. bei Finanzierungen von sonstigen Zweckgesellschaften ist</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7206 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">dies der Finanzierungsbetrag in H\u00f6he von 2.444\u00a0Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7207 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:57.91pt\">1.783\u00a0Mio.\u00a0\u20ac).</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die folgende Tabelle zeigt die Buchwerte der Verm\u00f6genswerte</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und Verbindlichkeiten, die die Anteile an nicht konsolidierten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">strukturierten Unternehmen betreffen, sowie die Ertr\u00e4ge aus</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">diesen strukturierten Einheiten. Die H\u00f6chstexponierung in</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bezug auf Verluste entspricht den mit den strukturierten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:179.08pt\">Einheiten verbundenen Verm\u00f6genswerten.</span><span class=\"f charStyle-34546584 ps7209\" style=\"width:2.36pt\"> </span></div><div class=\"ps7220 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss146\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwert der Verm\u00f6genswerte in <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindung mit Anteilen an </span></div><div class=\"ps2567 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">strukturierten Unternehmen </span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-36b68314 ps772\">4.236<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.085<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2574 ss148\"><div><div class=\"ps40 ss141\"><span class=\"f charStyle-37455c2a ps621\">in der Bilanz ausgewiesen unter Zu <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss141\"><span class=\"f charStyle-37455c2a ps621\">fortgef\u00fchrten Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps6246 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-71900c34 ps625\">4.236<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6247 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.085<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2579 ss146\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwert der Verbindlichkeiten in <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Verbindung mit Anteilen an </span></div><div class=\"ps2567 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">strukturierten Unternehmen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7210 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-36b68314 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7211 ss147\"><div><div class=\"ps2567 ss20\"><span class=\"f charStyle-0b080fec ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3732 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps621\">in der Bilanz ausgewiesen unter Zu <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps621\">fortgef\u00fchrten Anschaffungskosten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4309 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4310 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps736 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-7ff22fcd ps36\">Ertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps515\">81,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps515\">83,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1718 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps621\">Zinsertr\u00e4ge<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps7214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps439\">81,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps7215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps439\">83,9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1722 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">W\u00e4hrend der Berichtsperiode erlittener <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Verlust</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7216 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7217 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5347 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Maximal m\u00f6glicher Verlust<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7218 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">4.224<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7219 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.078<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7221 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die BAWAG hat weder im abgelaufenen Gesch\u00e4ftsjahr ein</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7222 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">nicht konsolidiertes strukturiertes Unternehmen finanziell</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7223 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">oder anderweitig unterst\u00fctzt, noch hat sie gegenw\u00e4rtig die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps2\" style=\"width:55.36pt\">Absicht dazu.</span>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInterestsInOtherEntitiesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-785": {
   "value": "<div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-6423092b ps2\">RISIKOBERICHT</span></div><div class=\"ps330 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die BAWAG operiert auf einem Businessmodell, das auf Retail</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps331 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">&amp; SME fokussiert ist, und durch Corporates, Real Estate und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps332 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Public Sector erg\u00e4nzt wird. Geographisch gesehen, ist die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps333 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">BAWAG auf entwickelte L\u00e4nder, wie \u00d6sterreich, Deutschland,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps334 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">die Niederlande, Irland, dem Vereinigten K\u00f6nigreich, der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps34 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Schweiz sowie den Vereinigten Staaten (USA), ausgerichtet. All</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps335 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">diese Staaten haben ein L\u00e4nder Rating von zumindest AA-</span></div><div class=\"ps48 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Rating sowie stabile rechtliche und politische</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps336 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Rahmenbedingungen. Unsere Bankgesch\u00e4fte werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps337 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">haupts\u00e4chlich durch stabile Privatkundeneinlagen finanziert. In</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps338 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Kombination mit Hypotheken sowie gedeckten Anleihen des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps339 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">\u00f6ffentlichen Sektors macht die Kundenfinanzierung mehr als</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps340 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">90% der Finanzierungen der BAWAG aus. Einfachheit und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps341 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Effizienz stehen im Mittelpunkt unserer Arbeit. Wir sind</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps342 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">bestrebt, Prozessen durchg\u00e4ngig zu optimieren und unseren</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps343 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kunden einfache und intuitive Finanzprodukte und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps344 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:5.08pt\">\u2212</span><span class=\"f charStyle-7973db00 ps7227\" style=\"width:5.25pt\">d</span><span class=\"f charStyle-34546584 ps7228\" style=\"width:114.77pt\">ienstleistungen anzubieten.</span><span class=\"f charStyle-34546584 ps7229\" style=\"width:2.36pt\"> </span></div><div class=\"ps346 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Unser Gesch\u00e4ftsmodell und unsere langfristige Entwicklung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">spiegeln unseren konservativen Risikoappetit wider.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps347 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Risikomanagement und aktive Steuerung von Risiken sind</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps348 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">integrale Bestandteile der Gesch\u00e4ftsstrategie des Konzerns</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps349 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">und der Schl\u00fcssel zum Erreichen unserer strategischen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps350 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">finanziellen Ziele. Diese Vorgehensweise erm\u00f6glicht uns die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps351 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Schaffung von Mehrwert f\u00fcr unsere Stakeholder, einschlie\u00dflich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:95.76pt\">Aktion\u00e4re und Kunden.</span></div><div class=\"ps16 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:152.31pt\">Die Aufrechterhaltung eines </span><span class=\"f charStyle-81af04f8 ps7230\" style=\"width:109.72pt\">sicheren und soliden</span><span class=\"f charStyle-81af04f8 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps354 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:60.69pt\">Risikoprofils, </span><span class=\"f charStyle-34546584 ps7231\" style=\"width:201.34pt\">als zentraler Pfeiler unserer Konzernstrategie</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps17 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:238.49pt\">und Risikopolitik, basiert auf den folgenden Grunds\u00e4tzen:</span></div><div class=\"ps7232 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Umfassendes und vorausschauendes Risikomanagement-</span></div><div class=\"ps7233 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:47.14pt\">Framework</span></div><div class=\"ps5110 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Beibehaltung einer starken Kapitalposition, stabiler</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps5111 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Privatkundeneinlagen und eines niedrigen Risikoprofils</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps5112 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:175.84pt\">durch Fokus auf risikoadjustierte Renditen</span></div><div class=\"ps5114 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:237.86pt\">Fokus auf etablierte, entwickelte und nachhaltige M\u00e4rkte</span></div><div class=\"ps5116 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Anwendung einer konservativen und disziplinierten</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps5117 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Kreditvergabe mit Schwerpunkt auf besicherte Kredite zur</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps5118 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:215.34pt\">Aufrechterhaltung einer sicheren und soliden Bilanz</span></div><div class=\"ps5120 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Proaktives Management und Reduzierung</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5121 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">nicht\u2212finanzieller Risiken inklusive</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5122 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:140.52pt\">nachhaltigkeitsbezogener\u00a0 Risiken</span></div><div class=\"ps364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fef355dc ps2\"><span style=\"background-color:inherit\">Zusammenfassung des Jahres 2025</span></span></div><div class=\"ps5125 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Unsere Hauptm\u00e4rkte in \u00d6sterreich, Deutschland, den</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps5126 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Niederlanden, Irland, dem Vereinigten K\u00f6nigreich, der</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps5127 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Schweiz und den USA werden durch ein stabiles</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Besch\u00e4ftigungsniveau und eine starke finanzielle Position</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">unserer Kunden gest\u00fctzt. Dennoch bestehen</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Abw\u00e4rtsrisiken, einschlie\u00dflich (aber nicht darauf</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">beschr\u00e4nkt) anhaltender geopolitischer Spannungen,\u00a0 des</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Potenzials f\u00fcr eine anhaltende hohe Inflation und einer sich</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">verst\u00e4rkenden Konjunkturabschw\u00e4chung. Solche Risiken</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">w\u00fcrden insbesondere f\u00fcr Unternehmen oder Kunden mit</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">hoher Verschuldung wirtschaftliche Schwachstellen</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">aufzeigen, zu gro\u00dfer Unsicherheit f\u00fchren und sich negativ</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">auf die Investitionen der Unternehmen auswirken. Wir sind</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.83pt\"><span style=\"background-color:inherit\">der Ansicht, dass die BAWAG dank ihres umsichtigen</span></span><span class=\"f charStyle-5a2826df ps1478\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Risikomanagements und ihrer langj\u00e4hrigen konservativen</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Kreditvergabegrunds\u00e4tze gut positioniert ist, um</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">ung\u00fcnstigen Entwicklungen standzuhalten. Durch die</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Aufrechterhaltung angemessener R\u00fccklagen, eines hohen</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Kapital- und Liquidit\u00e4tsniveaus, das weit \u00fcber den</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">regulatorischen Anforderungen liegt, und stabiler</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Finanzierungsquellen, bleiben wir vorsichtig und</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:49.18pt\"><span style=\"background-color:inherit\">gewappnet.</span></span><span class=\"f charStyle-5a2826df ps7234\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Im ersten Quartal 2025 hat die BAWAG den Kauf der</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Barclays Consumer Bank Europe (umbenannt zu Easybank)</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">abgeschlossen, welche unser Retail &amp; SME-Gesch\u00e4ft weiter</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">erg\u00e4nzt hat. Der Zukauf erfolgt in kompletter</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">\u00dcbereinstimmung mit der Risikostrategie und dem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Risikoappetit der BAWAG und gemeinsam mit Knab (Kauf</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">wurde im 4. Quartal 2024 abgeschlossen) wird er unseren</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">geographischen Fu\u00dfabdruck weiter diversifizieren. Beide</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Portfolios wurden in den BAWAG-weiten</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Risikomanagementprozess, von Tag eins des Abschlusses</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">der Transaktionen an, integriert, um eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">\u00dcbereinstimmung mit den regulatorischen Anforderungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">sicherzustellen. Die Implementierung der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">BAWAG\u2212Konzernrichtlinien, Modelle und Prozesse wurde</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">f\u00fcr beide Akquisitionen im vierten Quartal 2025</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:62.61pt\">abgeschlossen.</span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Die hohe Qualit\u00e4t der Aktiva zeigt sich durch einen hohen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Anteil der Kundenforderungen in Stufe 1 (Performing) von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">94% (2024: 95%) und lediglich 4% in Stufe 2 (Performing,</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">aber erh\u00f6htes Kreditrisiko) (2024: 4%). Der weiterhin</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">geringe Anteil der Stufe-2-Kundenaktiva am</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Gesamtbestand spiegelt unsere disziplinierten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Kreditvergabestandards und die Kreditqualit\u00e4t wider.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Aufgrund des gleichbleibenden Trends best\u00e4tigt dies die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">\u00dcbereinstimmung der erworbenen Unternehmen mit</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:95.74pt\">unserem Risikoappetit.</span><span class=\"f charStyle-34546584 ps7235\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Starkes Kreditrisikoprofil mit einer niedrigen NPL-Quote</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">von 0,8% (2024: 0,8%), einer angestiegenen NPL-</span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:228.19pt\">Wertberichtigung-Besicherungsquote von 55% (2024: </span><span class=\"f charStyle-e63b9797 ps7236\" style=\"width:19.69pt\">47%)</span><span class=\"f charStyle-e63b9797 ps208\" style=\"width:2.11pt\"> </span></div><div class=\"ps1530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps369\" style=\"width:200.8pt\">und einer NPL-Deckungsquote von 68% (2024: 71%</span><span class=\"f charStyle-34546584 ps7237\" style=\"width:5.75pt\">).</span><span class=\"f charStyle-34546584 ps7238\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Die Risikokosten des Jahres 2025 von 228 Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">82\u00a0Mio.\u00a0\u20ac) entsprechen einer Erh\u00f6hung auf 41 Basispunkte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1534 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">2025 (2024: 19 Basispunkte) und zeigen die erwartete</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1535 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Erh\u00f6hung folgend der Integration der neuen Akquisitionen</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">in 2025, wobei die Risikokosten im Jahr 2024 positiv durch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">die vollst\u00e4ndige Aufl\u00f6sung des ECL-Overlays beeinflusst</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:34.56pt\">wurden.</span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:225.14pt\">Robuste Liquidit\u00e4tsposition mit einer LCR-Quote von </span><span class=\"f charStyle-34546584 ps7239\" style=\"width:22.72pt\">204%</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:39.16pt\">(2024: </span><span class=\"f charStyle-34546584 ps7240\" style=\"width:22.72pt\">249%</span><span class=\"f charStyle-34546584 ps7241\" style=\"width:185.98pt\">) und einer Net-stable-funding-Quote</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:81.05pt\">(NSFR\u2212Quote) von </span><span class=\"f charStyle-34546584 ps7242\" style=\"width:26.16pt\">142% </span><span class=\"f charStyle-34546584 ps7243\" style=\"width:29.98pt\">(2024: </span><span class=\"f charStyle-34546584 ps7244\" style=\"width:22.72pt\">147%</span><span class=\"f charStyle-34546584 ps7245\" style=\"width:87.98pt\">). Beide Quoten sind</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:235.56pt\">damit deutlich \u00fcber den regulatorischen Anforderungen.</span><span class=\"f charStyle-34546584 ps7246\" style=\"width:2.36pt\"> </span></div><div class=\"ps6009 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:360pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss36\"><div><div class=\"ps276 ss34\"><span class=\"f charStyle-9f85f029 ps36\">Entwicklung der wichtigsten Risikokennzahlen <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss524\"><div><div class=\"ps1091 ss34\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps3606 ss526\"><div><div class=\"ps281 ss525\"><span class=\"f charStyle-c5fdbd46 ps7247\">Gesamtportfolio</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss524\"><div><div class=\"ps277 ss34\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7248 ss490\"><div><div class=\"ps281 ss319\"><span class=\"f charStyle-36b68314 ps5957\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7250 ss490\"><div><div class=\"ps281 ss319\"><span class=\"f charStyle-37455c2a ps7249\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7090 ss490\"><div><div class=\"ps624 ss319\"><span class=\"f charStyle-b27625d4 ps7251\">Ver\u00e4nderung </span></div><div class=\"ps281 ss319\"><span class=\"f charStyle-b27625d4 ps7252\">(Pkt.)</span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">NPL-Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7254 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7253\"></span><span class=\"ps7253\">0,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps7255 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7253\"></span><span class=\"ps7253\">0,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps7256 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">0,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Wertberichtungdeckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7258 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7257\"></span><span class=\"ps7257\">55,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7259 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7257\"></span><span class=\"ps7257\">47,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7260 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">7,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Deckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7261 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7257\"></span><span class=\"ps7257\">68,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7262 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7257\"></span><span class=\"ps7257\">70,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7263 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4675\">-2,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7264 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34 ps3432\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7265 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps3432\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7266 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps3432\">132<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">Stage 2 F\u00f6rderungen Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7268 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7253\"></span><span class=\"ps7253\">4,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7269 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7253\"></span><span class=\"ps7253\">4,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7270 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">LCR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7272 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7271\"></span><span class=\"ps7271\">204%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7273 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7271\"></span><span class=\"ps7271\">249%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7275 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps7274\">-45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">NSFR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7276 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7271\"></span><span class=\"ps7271\">142%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7277 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7271\"></span><span class=\"ps7271\">147%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7106 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps7278\">-5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss527\"><div><div class=\"ps4208 ss34\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps2852\">Risk Governance</span><div class=\"ps7280 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Risikobeurteilung</span></div><div class=\"ps6263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Gesch\u00e4ftst\u00e4tigkeit der BAWAG konzentriert sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vorwiegend auf das Privatkundengesch\u00e4ft in unseren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kernm\u00e4rkten sowie auf risikoarme \u00f6ffentliche Finanzierungen,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">selektives Firmenkundengesch\u00e4ft und Gewerbeimmobilien-</span></div><div class=\"ps6267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Finanzierungen in etablierten M\u00e4rkten, die ein angemessenes</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7281 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risiko-Ertrags-Profil aufweisen. Dabei geht die Gruppe die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">branchenspezifischen Risiken sowie jene der Wirtschaft im</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6270 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Allgemeinen ein. Die BAWAG \u00fcberwacht diese Risiken und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7282 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">steuert sie innerhalb eines strikten und umfassenden</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps6271 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Risikomanagementregelwerks, und stellt eine angemessene</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6272 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Kapital- und Liquidit\u00e4tsausstattung sicher, sollten derartige</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps6273 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:73.11pt\">Risiken eintreten.</span></div><div class=\"ps7283 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die BAWAG hat ein umfassendes und vorausschauendes</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7284 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risikomanagementsystem entwickelt, das die Art, den Umfang</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7285 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">und die Komplexit\u00e4t der Gesch\u00e4ftsaktivit\u00e4ten des Konzerns</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7286 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und die daraus resultierenden Risiken ber\u00fccksichtigt. Die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7287 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risikomanagement-Governance und -\u00dcberwachung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7288 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">BAWAG beinhaltet das Verst\u00e4ndnis von Risikotreibern,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7289 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risikoarten und Auswirkungen von Risiken. Risikoansatz,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7290 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Risikoappetit und Governance-Rahmenwerk der BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7291 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:87.59pt\">bleiben unver\u00e4ndert.</span></div><div class=\"ps7292 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Grunds\u00e4tze des Risikomanagements</span></div><div class=\"ps7293 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das Risikomanagement der BAWAG basiert auf den folgenden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7294 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:55.61pt\">Grunds\u00e4tzen:</span></div><div class=\"ps7295 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Risikobewusste Kultur: Risikomanagement ist eine</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7296 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">gemeinsame Anstrengung aller Gesch\u00e4ftseinheiten und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps7297 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Risikomanagementbereiche. Wir haben in der gesamten</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps7298 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Gruppe eine risikobewusste Kultur etabliert, die eine</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7299 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:211.77pt\">risikobasierte Entscheidungsfindung gew\u00e4hrleistet.</span></div><div class=\"ps7300 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Umsichtiger Umgang mit Risiken und Kreditvergabe: Unser</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps7301 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">strategisches Bekenntnis zu einem niedrigen Risikoprofil</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7302 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">spiegelt sich in unserem Fokus auf entwickelte M\u00e4rkte,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7303 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">unseren konservativen Kreditvergaberichtlinien mit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7304 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Schwerpunkt auf besichertem Gesch\u00e4ft und Renditen,</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7305 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">einer starken Kapitalposition, einer Kundenfinanzierung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7306 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">bestehend aus Einlagen und gedeckten Anleihen, und der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7307 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:222.53pt\">proaktiven Steuerung nicht-finanzieller Risiken wider.</span></div><div class=\"ps7308 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Integriertes Risikomanagement: Wir steuern alle</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7309 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">relevanten Risikoarten auf einer konzernweiten Basis und</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7310 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">stellen so einen konsistenten und koh\u00e4renten Ansatz f\u00fcr</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7311 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">unsere Risikomanagementaktivit\u00e4ten in der gesamten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7312 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:60.8pt\">Gruppe sicher.</span></div><div class=\"ps7313 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Gut etablierte Risiko-Governance: Das Governance-</span></div><div class=\"ps7314 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Rahmenwerk gew\u00e4hrleistet eine strikte Trennung von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7315 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Gesch\u00e4fts- und Risikofunktionen auf allen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7316 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Organisationsebenen und tr\u00e4gt zur effektiven Umsetzung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7317 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">und Kontrolle des Risikoappetites sowie der Risikostrategie</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7318 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:72.65pt\">des Konzerns bei.</span></div><div class=\"ps7319 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Effektive Risikoanalyse und -steuerung sowie effektives</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7320 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Risikoreporting: Ein umfassendes Risikoreporting in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Verbindung mit ausgereiften Risikomess- und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Validierungsverfahren, die alle wesentlichen Risikoarten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">abdecken, gew\u00e4hrleistet eine enge \u00dcberwachung und</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7324 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">fr\u00fchzeitige Erkennung entstehender Risiken. Die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Risikoanalyse wird durch solide und umfangreiche</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7326 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Stresstests erg\u00e4nzt, die eine gezielte Identifizierung von</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps7327 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:201.49pt\">Risikoschwachstellen des Konzerns erm\u00f6glichen.</span></div><div class=\"ps7328 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Das implementierte Risikomanagement-Rahmenwerk</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7329 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">gew\u00e4hrleistet eine effektive Identifizierung, Messung und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7330 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Steuerung von Risiken in der gesamten BAWAG und bildet die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Grundlage f\u00fcr fundierte risikobasierte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Gesch\u00e4ftsentscheidungen. Dies erm\u00f6glicht uns, rasch und<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">proaktiv auf Markttrends oder andere, sich verschlechternde</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Entwicklungen zu reagieren, und unterst\u00fctzt die organische</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und anorganische Wachstumsstrategie der Gruppe innerhalb</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:107.62pt\">des Gesamtrisikoappetits.</span></div><div class=\"ps1404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Risikoappetit</span></div><div class=\"ps1051 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Risikostrategie der BAWAG ist vollst\u00e4ndig auf die</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1052 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gesamtgesch\u00e4ftsstrategie des Konzerns abgestimmt ist. Der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1053 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Vorstand definiert und genehmigt den Risikoappetit und die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1054 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Risikostrategie auf j\u00e4hrlicher Basis. Das erm\u00f6glicht es uns,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1055 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">unsere Risiken besser zu steuern, indem wir\u00a0 sowohl qualitativ</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1056 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">als auch quantitativ festlegen, wie viel und welche Art von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Risiko wir eingehen m\u00f6chten. Der Risikoappetit dient als</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1059 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Einschr\u00e4nkung und bildet die Grundlage f\u00fcr die Allokation des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">vordefinierten verf\u00fcgbaren internen Kapitals um gezielt</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risiken, unter Ber\u00fccksichtigung der regulatorischen und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">\u00f6konomischen Rahmenbedingungen, der Liquidit\u00e4tsposition</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:250.11pt\">und der Profitabilit\u00e4tserwartungen der Gruppe, einzugehen.</span></div><div class=\"ps7332 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ps131\"><div class=\"ps1\"><img alt=\"image.png\" id=\"i-23\" 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\" style=\"height:179.68pt;width:262.06pt\"/></div></div></div><div class=\"ps7333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Governance-Rahmenwerk</span></div><div class=\"ps7334 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die etablierte Risiko-Governance stellt die Umsetzung der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7335 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Risikostrategie der Gruppe durch die operativen und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7336 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">strategischen Risikomanagementfunktionen und die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7337 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">relevanten Komitees der BAWAG sicher. Der Ansatz der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7338 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">BAWAG in Bezug auf Risiken basiert auf einem koordinierten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7339 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kontrollframework und wird durch eine starke</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7340 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Risikomanagementkultur und -struktur verwaltet. Die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7341 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Governance wird vom Vorstand durch die Delegation von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7342 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Befugnissen innerhalb der Managementhierarchie</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7343 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sichergestellt und durch entsprechende Komitees unterst\u00fctzt,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7344 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">um eine fundierte Entscheidungsfindung und Kommunikation</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7345 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:64.46pt\">sicherzustellen.</span></div><div class=\"ps7346 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Der Vorstand wird monatlich bzw. anlassbezogen \u00fcber die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7347 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gesamtrisikosituation und m\u00f6gliche zuk\u00fcnftige Entwicklungen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">informiert. Die Risikoberichterstattung basiert auf klar</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">definierten Risikokennzahlen und umfasst alle S\u00e4ule-I- und</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">S\u00e4ule-II-relevanten Themen (wobei sich S\u00e4ule I auf die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">aufsichtsrechtlichen Mindestkapitalanforderungen und S\u00e4ule II</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">auf die Bewertung der internen Kapitalad\u00e4quanz gem\u00e4\u00df dem</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Basel-Rahmenwerk bezieht, um alle Risiken abzudecken,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">denen die Gruppe \u00fcber die Mindestkapitalanforderungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">potenziell ausgesetzt sein kann). Risikoberichte werden auf</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">viertelj\u00e4hrlicher Basis dem Risikoausschuss des Aufsichtsrates</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">vorgelegt. Die Risikomanagementrichtlinien werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">regelm\u00e4\u00dfig \u00fcberpr\u00fcft, um Ver\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Konzernstrategie, der regulatorischen Anforderungen sowie</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">der Marktbedingungen zu ber\u00fccksichtigen. Besonderes</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Augenmerk wird dabei auf Adaptierungen in Bezug auf die</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:164.77pt\">Expansionsstrategie der BAWAG gelegt.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Potenzielle neue Risiken sowie regulatorische Entwicklungen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">werden beobachtet, um m\u00f6gliche Auswirkungen auf das</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:213.16pt\">Risikomanagement und die Strategie zu evaluieren.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Der Chief Risk Officer (CRO) der BAWAG ist gemeinsam mit</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">den relevanten Risikomanagementfunktionen f\u00fcr die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Umsetzung und Einhaltung der definierten Risikostrategie f\u00fcr</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">alle Risikoarten verantwortlich. Diese bilden die unabh\u00e4ngige</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:117pt\">Risikomanagementfunktion.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die folgenden Bereiche \u00fcberwachen die Umsetzung und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Durchf\u00fchrung der risikobezogenen Richtlinien (Stand</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:52.42pt\">31.12.2025):</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:168.61pt\">Enterprise Risk Management &amp; Analytics</span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:42.23pt\">Validation</span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:126.46pt\">Commercial Risk Management</span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:100.56pt\">Retail Risk Management</span><span class=\"f charStyle-34546584 ps7348\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:111.16pt\">Group Sustainability Office</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Dar\u00fcber hinaus ist die Abteilung Kreditrisiko-Reporting f\u00fcr das</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">interne und externe Reporting des Kreditrisikoportfolios sowie</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">f\u00fcr den Forecast von Risiko-KPIs inklusive Risikokosten des</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Konzerns sowie der Tochtergesellschaften verantwortlich. Die</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Abteilung ist dem Bereich Commercial Risk und dem Bereich</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Retail Risk Management (gemeinsame Berichterstattung)</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:46.15pt\"><span style=\"background-color:inherit\">unterstellt.</span></span><span class=\"f charStyle-5a2826df ps7349\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Ein wirksames Compliance- und Risikomanagement ist ein</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">entscheidender Aspekt f\u00fcr den Erfolg einer Bank. Neben den</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">herk\u00f6mmlichen Risikoarten gewinnt auch das gruppenweite</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Management von nicht-finanziellen Risiken sowie von</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Umwelt-, Sozial- und Unternehmensverantwortung</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">zunehmend an Bedeutung. Daher wurden ein ESG-</span></span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Rahmenwerk sowie eine korrespondierende ESG-Strategie</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">innerhalb der gruppenweiten (Risiko-)Organisation</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">implementiert, unter Ber\u00fccksichtigung regulatorischer</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Anforderungen und Implikationen aus der</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:125.09pt\"><span style=\"background-color:inherit\">Risikomaterialit\u00e4tsbewertung.</span></span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Die BAWAG f\u00f6rdert eine Risikokultur, die</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">nachhaltigkeitsbezogene Risiken, inklusive klima- und</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">umweltbezogene Risiken, ber\u00fccksichtigt. Als Teil der</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">konzernweiten Integration von Nachhaltigkeit wurden</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Verantwortlichkeiten in die jeweiligen Funktionen eingebettet,</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">was unsere Auffassung widerspiegelt, dass Nachhaltigkeit eher</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">ein integraler Bestandteil unseres Betriebsmodells, als eine</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">eigenst\u00e4ndige Einheit ist. Zu diesem Zweck hat die Gruppe</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">eine Governance-Struktur eingerichtet, um sicherzustellen,</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">dass die Identifizierung, Messung, Bewertung, das</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Management und die \u00dcberwachung von</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">nachhaltigkeitsbezogenen Risiken vollst\u00e4ndig \u00fcber alle</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Organisationseinheiten hinweg in das Risikomanagement-</span></span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Framework integriert ist, und kontinuierlich weiter entwickelt</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:21.33pt\"><span style=\"background-color:inherit\">wird:</span></span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Aufsichtsrat: Nachhaltigkeitsbezogene Risiken werden</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">sowohl im viertelj\u00e4hrlichen RCC als auch im regul\u00e4ren</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:130.51pt\"><span style=\"background-color:inherit\">Aufsichtsratsupdate behandelt.</span></span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Vorstand: Der Vorstand erh\u00e4lt zumindest viertelj\u00e4hrlich ein</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:209.93pt\"><span style=\"background-color:inherit\">Update zu den nachhaltigkeitsbezogenen Themen.</span></span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Group Sustainability Office: Dieser Bereich koordiniert</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Initiativen, Strategien, etc. im Bereich Nachhaltigkeit \u00fcber</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps956\" style=\"width:129.18pt\">alle Konzernfunktionen hinweg</span><span class=\"f charStyle-b1e544a7 ps2852\">ICAAP und Stresstest</span><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Der \u201eInternal Capital Adequacy Assessment Process\u201c (ICAAP)</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps952 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">bildet die zentral koordinierte Grundlage des</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Risikomanagements der BAWAG und umfasst Gesch\u00e4fts-,</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Finanz- und Risikoprozesse, die die Angemessenheit der</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Kapitalausstattung der BAWAG beurteilen und jederzeit</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps955 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">sicherstellen. Dazu geh\u00f6ren die Ber\u00fccksichtigung des</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Risikoprofils und die Qualit\u00e4t des Risikomanagements und des</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Kontrollumfelds. In \u00dcbereinstimmung mit dem ICAAP-</span></span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Leitfaden der EZB hat die BAWAG zwei ICAAP-Perspektiven</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">implementiert, die normative und die \u00f6konomische</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Perspektive, um die Kapitalad\u00e4quanz sowohl gem\u00e4\u00df den</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">aufsichtsrechtlichen Anforderungen als auch im</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Zusammenhang mit der \u00f6konomischen Perspektive \u00fcber einen</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">mehrj\u00e4hrigen Zeitraum f\u00fcr alle Risiken der BAWAG zu</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">beurteilen. Dabei werden in beiden Perspektiven dieselben</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:256.21pt\"><span style=\"background-color:inherit\">Stressszenarien (Basis- und Negativszenario) zugrunde gelegt.</span></span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:261.98pt\"><span style=\"background-color:inherit\">Die Ziele des ICAAP der BAWAG umfassen alle Prozesse und</span></span><span class=\"f charStyle-5a2826df ps1445\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:233.59pt\"><span style=\"background-color:inherit\">Ma\u00dfnahmen, um die folgenden Aspekte sicherzustellen:</span></span></div><div class=\"ps7352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">die angemessene Identifizierung, Beurteilung, Messung,</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:158.32pt\"><span style=\"background-color:inherit\">Bewertung und Steuerung von Risiken</span></span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">ein angemessenes internes Kapital im Verh\u00e4ltnis zum</span></span><span class=\"f charStyle-5a2826df ps1526\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:46.55pt\"><span style=\"background-color:inherit\">Risikoprofil</span></span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:148.91pt\"><span style=\"background-color:inherit\">eine angemessenes Liquidit\u00e4tsprofil</span></span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:242.2pt\"><span style=\"background-color:inherit\">die angemessene Qualit\u00e4t der internen Kapitalausstattung</span></span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">den Einsatz und die Weiterentwicklung von geeigneten</span></span><span class=\"f charStyle-5a2826df ps1526\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:118.99pt\"><span style=\"background-color:inherit\">Risikomanagementsystemen</span></span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Die konzernweiten ICAAP-Prozesse laufen in enger</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Abstimmung mit den Planungs- und Budgetierungsprozessen</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">und sind damit in das proaktive</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:173.61pt\"><span style=\"background-color:inherit\">Gesamtbankrisikomanagement integriert.</span></span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Auf j\u00e4hrlicher Basis wird im Rahmen eines Risk Self-</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Assessment (RSA) die Risikosituation der BAWAG quantitativ</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">und qualitativ bewertet. Alle im Zusammenhang mit der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Umsetzung der Gesch\u00e4ftsstrategie stehenden Risiken im</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Rahmen des RSAs werden hinsichtlich ihres Ausma\u00dfes sowie</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">ihrer Materialit\u00e4t und ihres Einflusses auf die BAWAG<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:39.41pt\">evaluiert.</span></div><div class=\"ps7354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-923e3646 ps185\"><span style=\"background-color:inherit\">Normative Perspektive</span></span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Die normative Perspektive beurteilt, ob die Gruppe</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">mittelfristig in der Lage ist, unter Anwendung</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">unterschiedlicher makro\u00f6konomischer Szenarien</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">(einschlie\u00dflich starker wirtschaftlicher Abschw\u00fcnge) alle</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">quantitativen regulatorischen und aufsichtsrechtlichen</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:112.34pt\"><span style=\"background-color:inherit\">Anforderungen zu erf\u00fcllen.</span></span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Im Rahmen der normativen Perspektive prognostiziert die</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps952 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">BAWAG alle wesentlichen Risiken \u00fcber einen mittelfristigen</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Zeitraum. Dies umfasst alle S\u00e4ule-I-Risiken (Kreditrisiko,</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Marktrisiko, Operationelles Risiko) sowie alle wesentlichen</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Risiken. Die BAWAG bewertet diese Risiken viertelj\u00e4hrlich</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps955 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">hinsichtlich ihrer Auswirkungen auf den Kapitalbedarf (RWA)</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">und die Rentabilit\u00e4t (P&amp;L) Die folgenden Risikoarten werden</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:118.33pt\"><span style=\"background-color:inherit\">betrachtet und quantifiziert:</span></span></div><div class=\"ps962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Kreditrisiko: Die Quantifizierung des Kreditrisikos basiert</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">auf dem regulatorischen Ansatz (Standardized, Advanced</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7355 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">und Foundation IRB) und wird in der Kapitalsicht (RWA)</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">ber\u00fccksichtigt. Verluste aus Kreditrisiken werden auch in</span></span><span class=\"f charStyle-5a2826df ps1526\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps966 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">der GuV-Sicht in Form von erwarteten Kreditverlusten</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps967 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:61.07pt\"><span style=\"background-color:inherit\">ber\u00fccksichtigt.</span></span><span class=\"f charStyle-5a2826df ps7356\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Einzelnamenkonzentrationsrisiko: betrifft wirtschaftliche</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7358 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Kreditnehmergruppen, die hinreichend relevant und daher</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7359 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">in Bezug auf den Kapitalverbrauch miteinander verbunden</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7360 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">sind und auf Einzelbasis \u00fcberwacht und gesteuert werden.</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Die wichtigsten Kapitalverbraucher werden im Rahmen des</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">adversen ICAAP-Szenarios zus\u00e4tzlich durch eine h\u00f6here</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7362 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:178.39pt\"><span style=\"background-color:inherit\">Ausfallswahrscheinlichhkeit ber\u00fccksichtigt.</span></span><span class=\"f charStyle-5a2826df ps7361\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Marktrisiko: Die Quantifizierung des Marktrisikos f\u00fcr das</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Handelsbuch basiert auf dem regulatorischen Ansatz und</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">wird in der Kapitalsicht (RWA) ber\u00fccksichtigt. Derzeit h\u00e4lt</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">die Gruppe keine Positionen im Handelsbuch. Die BAWAG</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">hat Zins\u00e4nderungsrisiken im Bankbuch und Credit-Spread-</span></span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Risiken als materielle Marktrisiken klassifiziert. Diese</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">finden entsprechend in der GuV-Sicht (Nettozinsertrag,</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:235.95pt\"><span style=\"background-color:inherit\">Bewertungsergebnis, sonstige Ertr\u00e4ge) Ber\u00fccksichtigung.</span></span><span class=\"f charStyle-5a2826df ps7363\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Operationelles Risiko: Die Quantifizierung des</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">operationellen Risikos erfolgt basierend auf dem</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Standardised Measurement Approach (SMA). Die</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Quantifizierung wird durch zus\u00e4tzliche Informationen</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">bereichert, wie etwa Risiken, die im RCSA-Prozess bewertet</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:182.76pt\">werden, historische Verluste und Szenarien.</span></div><div class=\"ps3933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">\u00d6konomische Perspektive</span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Die \u00f6konomische Perspektive stellt auf Basis eines</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">mehrj\u00e4hrigen Zeithorizonts alle wesentlichen und nicht</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">wesentlichen quantifizierbaren Risiken dem internen Kapital</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">gegen\u00fcber. F\u00fcr alle quantifizierbaren Risikokategorien und</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:16.52pt\"><span style=\"background-color:inherit\">\u00a0 \u00a0 \u00a0  </span></span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">-portfolios werden im Rahmen der Risikostrategie im Einklang</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">mit der j\u00e4hrlichen Budget- und Strategieplanung Limite</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">festgelegt. Die Einhaltung der Limite wird monatlich anhand</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">der tats\u00e4chlichen sowie prognostizierten Auslastung</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:47.21pt\"><span style=\"background-color:inherit\">\u00fcberwacht.</span></span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">In der \u00f6konomischen Perspektive werden die folgenden</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:227.01pt\"><span style=\"background-color:inherit\">Risikoarten betrachtet und entsprechend quantifiziert:</span></span><span class=\"f charStyle-5a2826df ps7364\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7365 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Kreditrisiko: Die Quantifizierung des Kreditrisikos basiert</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7366 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">auf statistischen Modellen unter Anwendung von IRB sowie</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7367 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">von IFRS 9 \u00fcber den gesamten Zyklus hinweg mit</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7368 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Ber\u00fccksichtigung konservativer Risikoparameter (PD und</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7369 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">LGD) f\u00fcr alle wesentlichen Portfoliosegmente. Dies umfasst</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7370 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">auch nicht konsolidierte Beteiligungen (PD- und LGD-</span></span></div><div class=\"ps7371 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Ansatz), Verbriefungen als Originator (einschlie\u00dflich</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7372 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Risikotransfer und PD des Garantiegebers) und</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Verbriefungen als Investor (Monte-Carlo-Simulation).</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Zus\u00e4tzliche Kapitalpositionen werden f\u00fcr Einzelnamen-</span></span></div><div class=\"ps962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Kreditrisikokonzentrationen und f\u00fcr das</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">fremdw\u00e4hrungsinduzierte Kreditrisiko vorgehalten. Um</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7355 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Verluste aufgrund einer Verschlechterung des</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Schuldnerratings abzudecken, hat die BAWAG</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps966 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:217.97pt\"><span style=\"background-color:inherit\">\u00f6konomisches Kapital f\u00fcr Migrationsrisiken alloziert.</span></span><span class=\"f charStyle-5a2826df ps7373\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps969 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:50.34pt\"><span style=\"background-color:inherit\">Marktrisiko:</span></span><span class=\"f charStyle-5a08618b ps7374\" style=\"width:4.59pt\"><span style=\"background-color:inherit\"> </span></span><span class=\"f charStyle-5a2826df ps7375\" style=\"width:192.95pt\"><span style=\"background-color:inherit\">Die Quantifizierung des Zins\u00e4nderungsrisikos</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">im Bankbuch und des Credit-Spread-Risikos in der</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7358 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">\u00f6konomischen Sichtweise erfolgt auf Basis von Value-at-</span></span></div><div class=\"ps7359 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Risk-Modellen. Andere Marktrisiken, wie das Fondsrisiko</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7360 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">oder das Fremdw\u00e4hrungsrisiko oder Aktienrisiko im</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Bankbuch, werden mit \u00e4hnlichen Value-at-Risk- oder</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:195.44pt\"><span style=\"background-color:inherit\">Worst-Case-Bewertungsmodellen quantifiziert.</span></span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Liquidit\u00e4tsrisiko: Die Quantifizierung des strukturellen</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Liquidit\u00e4tsrisikos erfolgt auf Basis aktueller Liquidit\u00e4tsgaps</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">unter Verwendung angenommener potenzieller</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Verschlechterungen der eigenen Refinanzierungskosten.</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">F\u00fcr das Marktliquidit\u00e4tsrisiko im Anlagebuch und das FX-</span></span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Basis-Spread-Risiko werden Quantifizierungsverfahren auf</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:212.84pt\"><span style=\"background-color:inherit\">Basis historischer Worst-Case-Analysen verwendet.</span></span><span class=\"f charStyle-5a2826df ps7376\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Nicht-finanzielles Risiko: Das nicht-finanzielle Risiko</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">umfasst das operationelle Risiko im engeren Sinne und</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">weitere Subrisiken wie das Rechtsrisiko, das Betrugsrisiko,</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">das Compliance-Risiko, Verhaltensrisiken, Informations-</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">und Kommunikationsrisiken (IKT-Risiken) einschlie\u00dflich</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Cyberrisiken, Modellrisiken, Abwicklungs- und</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Prozessrisiken, das Risiko gegen\u00fcber Dritten inklusive dem</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Outsourcing-Risiko, Risiken, die sich aus externen</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Ereignissen ergeben, und Risiken, die sich aus</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Besch\u00e4ftigungspraktiken und der Sicherheit am</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Arbeitsplatz ergeben, sowie das Reputationsrisiko. Die</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Quantifizierung des operationellen Risikos in der</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">\u00f6konomischen Perspektive basiert auf zwei Komponenten:</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Gesch\u00e4ftsindikatorkomponente (vereinfachte, f\u00fcr alle</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Institute einheitliche Berechnung des Jahresergebnisses f\u00fcr</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">die Messung des operationellen Risikos) und interner</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Verlustmultiplikator (Komponente mit bank-spezifischen</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">operationellen Verlustdaten); die beiden Komponenten</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">werden multipliziert, um die Kapitalanforderung f\u00fcr das</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">operationelle Risiko zu erhalten (Standardised</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:164.67pt\"><span style=\"background-color:inherit\">Measurement Approach gem. Basel IV).</span></span><span class=\"f charStyle-5a2826df ps7377\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:51.37pt\"><span style=\"background-color:inherit\">ESG-Risiken:</span></span><span class=\"f charStyle-5a08618b ps7378\" style=\"width:5.08pt\"><span style=\"background-color:inherit\"> </span></span><span class=\"f charStyle-5a2826df ps7379\" style=\"width:191.44pt\"><span style=\"background-color:inherit\">ESG-Risiken aus Kredit-, Markt,- Liquidit\u00e4ts-</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">und operationellen Risiken wurden explizite interne</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Kapitallimits basierend auf dem Assessment von ESG-</span></span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">Risiken in unserem Portfolio zugewiesen. Das ESG-Risiko ist</span></span><span class=\"f charStyle-5a2826df ps1526\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">insgesamt niedrig, da das Engagement in Branchen mit</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">hohem \u00dcbergangsrisiko wie dem Bereich fossiler</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Brennstoffe und nat\u00fcrlicher Ressourcen gering ist und</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:159.5pt\"><span style=\"background-color:inherit\">physische Risiken gemanaged werden.</span></span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Sonstige Risiken: Diese Risikokategorie inkludiert das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Immobilienrisiko, das Gesch\u00e4ftsrisiko, das Pensionsrisiko,</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">das systemische Risiko, das Risiko einer \u00fcberm\u00e4\u00dfigen</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Verschuldung, das makro\u00f6konomische Risiko, das</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Kapitalrisiko und das Versicherungsrisiko. Im Allgemeinen</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">wird das erforderliche \u00f6konomische Kapital f\u00fcr das</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Immobilienrisiko, das systemische Risiko, das Risiko einer</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">\u00fcberm\u00e4\u00dfigen Verschuldung und das Kapitalrisiko mittels</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">vereinfachten Value-at-Risk(VaR)-Modells mit einem</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Konfidenzniveau von 99,9% basierend auf den historischen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">j\u00e4hrlichen Verlusten, dem erwarteten durchschnittlichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Verlust f\u00fcr das jeweilige Gesch\u00e4ftsjahr und der erwarteten</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Schwankungsbreite quantifiziert. W\u00e4hrend das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1534 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Pensionsrisiko mit einer vereinfachten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1535 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Quantifizierungsmethode (basierend auf</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Expertensch\u00e4tzung und historischen Beobachtungen)</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">berechnet wird, wird kein zus\u00e4tzliches Kapital f\u00fcr das</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">makro\u00f6konomische Risiko bereitgestellt, da</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">makro\u00f6konomische Faktoren bei der Quantifizierung der</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">einzelnen Risikotypen unter Anwendung von validierten</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Modellen ber\u00fccksichtigt werden. Dar\u00fcber hinaus wird das</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Gesch\u00e4ftsrisiko auf verschiedenen Ebenen innerhalb der</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Gruppe abgedeckt (mehrj\u00e4hrige ICAAP \u00f6konomische und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">normative Perspektive, monatlicher MB-Bericht [Plan vs.</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Ist] usw.), daher w\u00fcrde eine zus\u00e4tzliche Kapitalallokation zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">einer Doppelunterlegung f\u00fchren. Das Versicherungsrisiko</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:137.08pt\">ist f\u00fcr die BAWAG nicht relevant.</span><span class=\"f charStyle-34546584 ps7380\" style=\"width:2.36pt\"> </span></div><div class=\"ps7382 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps2\">S</span><span class=\"f charStyle-b1e544a7 ps7381\">tresstests</span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Stresstests sind ein wichtiges Instrument des</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1059 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Risikomanagements, das sowohl f\u00fcr die Beurteilung der</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Gesch\u00e4ftsstrategie als auch f\u00fcr das operative</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Risikomanagement, wie z.B. die Risikoidentifizierung, die</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Risikobereitschaft und die Festlegung von Limiten, von Nutzen</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:12.46pt\"><span style=\"background-color:inherit\">ist.</span></span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Stresstests identifizieren potenzielle Schwachstellen des</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Gesch\u00e4ftsmodells und bewerten, ob f\u00fcr diese ausreichend</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">internes Kapital vorgehalten wird. Sie stellen sicher, dass die</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Gesch\u00e4ftsplanung nicht nur die erwartete wirtschaftliche</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Entwicklung ber\u00fccksichtigt, sondern Entwicklungen in einem</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262pt\"><span style=\"background-color:inherit\">stark negativen Umfeld in die Beurteilung mit einbezieht. Die</span></span><span class=\"f charStyle-5a2826df ps167\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Kapital- und Liquidit\u00e4tsniveaus, die unter solchen</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Stresssituationen getestet werden, dienen als Grundlage f\u00fcr</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">die Portfoliooptimierung, um m\u00f6gliche negative</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Entwicklungen zu begrenzen und eine ausreichende</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:144.43pt\"><span style=\"background-color:inherit\">Kapitalausstattung sicherzustellen.</span></span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Stresstests (inklusive der Ber\u00fccksichtigung beider ICAAP-</span></span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Perspektiven) sind vollst\u00e4ndig im gruppenweiten strategischen</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Risikomanagement, im Kapitalmanagement und in den</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps955 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:174.75pt\"><span style=\"background-color:inherit\">Planungsprozessen der BAWAG integriert.</span></span><span class=\"f charStyle-5a2826df ps7383\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Die Methodik und die Resultate der beiden ICAAP-</span></span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Perspektiven sowie der Stresstests werden quartalsweise im</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:261.99pt\"><span style=\"background-color:inherit\">ICAAP &amp; Stress Testing Committee (ISTC) besprochen und in</span></span><span class=\"f charStyle-5a2826df ps249\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">weiterer Folge an das Enterprise Risk Management berichtet.</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Das ERM ist f\u00fcr die Beurteilung der Ergebnisse verantwortlich,</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">um, falls notwendig, Korrekturma\u00dfnahmen bez\u00fcglich des</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Risikoappetits oder der Gesch\u00e4ftsstrategie zu definieren. Der</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Entwurf und die Genehmigung makro\u00f6konomischer Szenarien</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">f\u00fcr interne Stresstests werden an das Macroeconomic</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Scenario Committee (MSC) delegiert, das viertelj\u00e4hrlich vor</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">der Sitzung des ICAAP &amp; Stress Testing Committee (ISTC)</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:46.59pt\"><span style=\"background-color:inherit\">stattfindet.</span></span></div><div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Die Abh\u00e4ngigkeiten zwischen den beiden ICAAP-Perspektiven,</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">den Stresstests und der Kapitalsteuerung sind formal im</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:181.72pt\"><span style=\"background-color:inherit\">Rahmen der internen Governance definiert.</span></span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Die im Rahmen der Eigenkapitalplanung festgelegten und vom</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Capital Management Meeting monatlich \u00fcberwachten</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Kapitalquoten dienen als Vergleichsgr\u00f6\u00dfe f\u00fcr die normative</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Perspektive sowie f\u00fcr die Stresstests. Der Kapitalnotfallplan</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">wurde ausgearbeitet, um extreme Stressszenarien zu</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">ber\u00fccksichtigen. Im Rahmen der normativen Perspektive sowie</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">der Stresstests bewertet das Management, ob die</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262pt\"><span style=\"background-color:inherit\">Kapitalquoten unter Stress \u00fcber den Recovery Levels bleiben.</span></span><span class=\"f charStyle-5a2826df ps186\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262pt\"><span style=\"background-color:inherit\">Im Falle einer Verletzung der Recovery Levels sind</span></span><span class=\"f charStyle-5a2826df ps186\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Ma\u00dfnahmen zur ad\u00e4quaten Verbesserung der</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Kapitalausstattung zu treffen, um die Kapitalquoten auch in</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:226.19pt\"><span style=\"background-color:inherit\">einem Stressszenario \u00fcber den Recovery Levels zu halt</span></span><span class=\"f charStyle-34546584 ps7384\" style=\"width:13.04pt\">en.</span></div><span class=\"f charStyle-b1e544a7 ps2895\">Kreditrisiko</span><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Das Kreditrisiko umfasst das Kreditausfallrisiko, welches den</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1059 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">teilweisen oder kompletten Verlust einer Forderung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">gegen\u00fcber einem Kunden bedeutet, wenn dieser nicht zahlen</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">kann oder will. Neben dem Kreditausfallrisiko sind auch das</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kreditkonzentrationsrisiko, das Kreditmigrationsrisiko, das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Devisenkreditrisiko, das Restrisiko aus</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kreditmigrationsrisikotechniken sowie das L\u00e4nderrisiko</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:125.28pt\">Bestandteile des Kreditrisikos.</span><span class=\"f charStyle-34546584 ps7385\" style=\"width:2.36pt\"> </span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Die BAWAG hat hohe Standards in Bezug auf</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kreditrisikoprozesse und -methoden definiert. Das Augenmerk</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">der Risikoorganisation liegt vor allem auf der st\u00e4ndigen</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Weiterentwicklung der Risikoquantifizierungsmethoden. F\u00fcr</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">alle Subportfolien gelten spezifische Standards, die regelm\u00e4\u00dfig</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">modelliert, \u00fcberwacht, statistisch kalibriert und validiert</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:34.28pt\">werden.</span></div><div class=\"ps1070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps185\">Governance</span></div><div class=\"ps1071 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Im Rahmen des Kreditrisikomanagements besteht eine</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1072 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">funktionale Spezialisierung f\u00fcr die Kundensegmente Kommerz-</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1073 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">und Institutionelle Kunden (Commercial Credit Risk</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1074 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Management) sowie Privat- und Gesch\u00e4ftskunden (Retail Risk</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1075 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Management). Das Credit Approval Committee (CAC), ein</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1076 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">spezielles Gremium auf Vorstandsebene, ist f\u00fcr die Bewilligung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1077 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">von Kreditantr\u00e4gen im Rahmen der Befugnisse, die in der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1078 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kompetenz- und Pouvoirordnung festgelegt sind,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7386 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">verantwortlich. Die Berechnung und Aggregation der einzelnen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1079 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Risikoindikatoren (z.B. NPL-Quote, Risikokosten,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1080 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Deckungsquoten etc.) f\u00fcr das definierte regelm\u00e4\u00dfige Reporting</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1081 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">erfolgt in einem einheitlichen Prozess in der Verantwortung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1082 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:147.79pt\">der Abteilung Kreditrisikoreporting.</span><span class=\"f charStyle-34546584 ps7387\" style=\"width:2.36pt\"> </span></div><div class=\"ps1084 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:186.17pt\">Kernziele des Kreditrisikomanagements sind:</span></div><div class=\"ps7388 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Gezielte \u00dcbernahme von Kreditrisiken in \u00dcbereinstimmung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7389 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:148.51pt\">mit dem genehmigten Risikoappetit</span></div><div class=\"ps7390 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">\u00dcberwachung von Kreditrisiken \u00fcber den gesamten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7391 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:54.21pt\">Lebenszyklus</span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Zeitnahe Identifizierung, Bewertung, Messung und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:113.47pt\">Reporting von Kreditrisiken</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Diese Ziele und Prinzipien des Kreditrisikomanagements</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:155.73pt\">werden operativ wie folgt umgesetzt:</span><span class=\"f charStyle-34546584 ps7392\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Disziplinierte Kreditvergabe in gut etablierten M\u00e4rkten mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Schwerpunkt auf besicherte Kredite oder Kunden, die \u00fcber</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">den gesamten Kreditzyklus hinweg \u00fcber eine sehr gute</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:72.37pt\">Bonit\u00e4t verf\u00fcgen.</span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Kreditrisiken werden in Abh\u00e4ngigkeit vom zugrunde</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">liegenden Risikoprofil in unterschiedlichen</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Organisationseinheiten gemanagt. Unternehmenskredite</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">werden durch Experten evaluiert, die umfangreiches Know-</span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">how \u00fcber die jeweils zugrundeliegende Branche haben,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">w\u00e4hrend Privatkundenkredite unter Zuhilfenahme</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">quantitativer Analysen und Ratingmodelle auf</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:141.24pt\">Segmentebene gesteuert werden.</span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Ein entsprechendes Fr\u00fchwarn-, Betreibungs- und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Abwicklungssystem sowie Kreditrisikoreporting stellt</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">sicher, dass Kreditrisiken auf Einzelschuldnerebene so fr\u00fch</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">wie m\u00f6glich identifiziert und geeignete Ma\u00dfnahmen zur</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:144.78pt\">Risikominderung ergriffen werden.</span></div><div class=\"ps7393 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Bonit\u00e4tsbeurteilung</span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Kreditw\u00fcrdigkeit von Privat- und Gesch\u00e4ftskunden wird</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zus\u00e4tzlich zu den klar definierten Kreditvergaberichtlinien \u00fcber</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">automatisierte Scoringverfahren bewertet. Diese bestehen aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">einem Antragsscoring, das auf statistischen Modellen beruht,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">sowie einem Verhaltensscoring, dem die Kontogestion des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps952 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kunden zugrunde liegt. Zus\u00e4tzlich werden externe</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Informationen (wie z.B. Wirtschaftsauskunftei) ber\u00fccksichtigt.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Auf dieser Basis wird eine monatlich aktualisierte</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:173.64pt\">Bonit\u00e4tseinsch\u00e4tzung der Kunden erstellt.</span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Neben der Bonit\u00e4tsbeurteilung werden auch der erwartete</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verlust bei Ausfall (LGD) sowie die erwartete Ausnutzung des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Off-Balance-Exposures zum Ausfallszeitpunkt (Credit</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Conversion Factor, CCF) f\u00fcr Privat- und Gesch\u00e4ftskunden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">gesch\u00e4tzt. Die Sch\u00e4tzung, welche auf historischen Daten des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beobachteten Kundenverhaltens basiert, wird anhand</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:254.42pt\">qualifizierter statistischer Methoden und Modelle berechnet.</span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Vor \u00dcbernahme neuer kommerzieller Risiken bzw. der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ausweitung bestehender Positionen erfolgt eine</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bonit\u00e4tsanalyse der Kreditnehmer auf Basis eines dem<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Kundensegment entsprechenden internen Ratingverfahrens.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Dabei st\u00fctzen sich die Ratingverfahren grunds\u00e4tzlich auf ein</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps972 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">breites Spektrum quantitativer und qualitativer Faktoren. Die<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">auf diese Weise ermittelte Risikoeinstufung wird auf einer</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">einheitlichen Masterskala abgebildet und jedem Kunden als</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:254.21pt\">individuell gesch\u00e4tzte Ausfallswahrscheinlichkeit zugeordnet.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Um Risikokonzentrationen auf Kunden- und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundengruppenebene aufzuzeigen, werden Limite f\u00fcr die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Forderungsh\u00f6hen definiert, \u00fcberwacht und regelm\u00e4\u00dfig an</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:151.33pt\">Vorstand und Aufsichtsrat berichtet.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Basierend auf der zentralen Struktur und Ausrichtung der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Risikomanagementprozesse der BAWAG k\u00f6nnen neue</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">regulatorische Risikovorschriften oder eine ver\u00e4nderte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Marktsituation in den Risikomanagementstrategien kurzfristig</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:80.74pt\">abgebildet werden.</span></div><div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps2\">\u00dcbersicht</span><span class=\"f charStyle-b1e544a7 ps7397\"> \u00fcber das gesamte Kreditportfolio</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die nachfolgenden Abschnitte geben einen \u00dcberblick \u00fcber die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Struktur und die Portfolioqualit\u00e4t des gesamten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:228.91pt\">Kreditrisikoportfolios und in den einzelnen Segmenten.</span></div><div class=\"ps4242 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps7398\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps7399\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">38.679<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">13.938<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.653<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-457<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">54.814<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">38.679<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">12.312<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">214<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-457<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Forderungen an Banken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">404<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">452<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.579<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.035<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.613<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte FVPL/FVOCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">131<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">227<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.105<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.683<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">14.184<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-93<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">14.093<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Bilanzielle Gesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.942<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-330<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">70.590<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2683 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Au\u00dferbilanzielle Gesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.357<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">455<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.977<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2689 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">54.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">16.308<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.965<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">88.568<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2262 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">davon besichert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">30.292<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2696 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.986<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2697 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">324<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">196<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.798<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2265 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">davon NPL (Bruttosicht)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7400 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7401 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2266 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2267 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">680<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2096 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">88<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2102 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">99<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps751 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">98<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2699 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">294<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">307<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2705 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2706 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2707 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2708 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2709 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2710 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2784 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe der Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6787 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">469<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">31<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2785 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2786 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2787 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Prudential Filter<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6792 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6793 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6794 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"11\" style=\"border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7403 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps7398\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps7399\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">33.948<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">13.251<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.553<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-345<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">49.407<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">33.948<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">11.735<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">160<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-348<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">45.495<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Forderungen an Banken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">770<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">830<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.457<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.623<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.081<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte FVPL/FVOCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">151<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">88<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.768<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">335<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.342<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.561<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.604<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Bilanzielle Gesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">21.882<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">69.353<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2683 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Au\u00dferbilanzielle Gesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.884<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.295<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">30<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">748<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.958<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2689 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">40.989<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">15.634<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">21.912<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">775<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">79.311<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2262 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">davon besichert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">29.953<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2696 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.595<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2697 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">438<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.122<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2265 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">davon NPL (Bruttosicht)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7400 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">494<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7401 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">107<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2266 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2267 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">601<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2096 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2102 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps751 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">61<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2699 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">219<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">242<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2705 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2706 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2707 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2708 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2709 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2710 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2784 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe der Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6787 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">330<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2785 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2786 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">368<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2787 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Prudential Filter<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6792 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">33<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6793 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6794 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"11\" style=\"border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:330pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:64.5pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Regulatorische Sicht unter Anwendung des CRR-Konsolidierungskreises</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss529\"><div><div class=\"ps1091 ss528\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7407 ss531\"><div><div class=\"ps281 ss530\"><span class=\"f charStyle-c5fdbd46 ps7406\">Gesamtportfolio</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss529\"><div><div class=\"ps4211 ss528\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss528\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7409 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps7408\">Bruttobuchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7411 ss453\"><div><div class=\"ps281 ss103\"><span class=\"f charStyle-37455c2a ps7410\">Wertberichtigung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7412 ss533\"><div><div class=\"ps281 ss532\"><span class=\"f charStyle-37455c2a ps5393\">Nettobuchwert<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7413 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">56.636<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7415 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps7414\">-474<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7417 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-0b080fec ps7416\">56.172<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps858 ss536\"><div><div class=\"ps40 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7418 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-0b080fec ps3049\">227<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7419 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-0b080fec ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7421 ss537\"><div><div class=\"ps40 ss532\"><span class=\"f charStyle-0b080fec ps7420\">227<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps862 ss538\"><div><div class=\"ps40 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7422 ss539\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-0b080fec ps6346\">1.266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7424 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-0b080fec ps7423\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7426 ss540\"><div><div class=\"ps1717 ss532\"><span class=\"f charStyle-0b080fec ps7425\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6839 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7427 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7428 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7423\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7430 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7429\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7431 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7432 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7433 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7435 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7434\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7436 ss536\"><div><div class=\"ps40 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7437 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7438 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7439 ss537\"><div><div class=\"ps40 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7434\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3594 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7440 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7441 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7442 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7434\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1355 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7443 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">55.143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7444 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps7414\">-473<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7445 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-0b080fec ps7416\">54.670<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps746 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7446 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">52.234<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7448 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7447\">-85<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7450 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7449\">52.149<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3598 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7451 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.049<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7452 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7447\">-95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7453 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7429\">1.954<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3600 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7454 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">610<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7455 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7414\">-302<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7456 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7420\">307<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7457 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7458 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7460 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7459\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7461 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7420\">260<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps5437 ss541\"><div><div class=\"ps7462 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">Diese Tabelle enth\u00e4lt keine Eigenkapitalinstrumente (aufsichtsrechtliche Definition und nicht in CRR konsolidierte carrying amounts).</span></div><div class=\"ps7463 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">Der Nettobuchwert enth\u00e4lt in der Position Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte die Fair-Value-Bewertung.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7512 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:327.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss543\"><div><div class=\"ps1091 ss542\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7465 ss387\"><div><div class=\"ps281 ss386\"><span class=\"f charStyle-c5fdbd46 ps7464\">Gesamtportfolio</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss543\"><div><div class=\"ps4211 ss542\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss542\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7467 ss453\"><div><div class=\"ps281 ss103\"><span class=\"f charStyle-37455c2a ps7466\">Bruttobuchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7469 ss241\"><div><div class=\"ps281 ss234\"><span class=\"f charStyle-37455c2a ps7468\">Wertberichtigung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6331 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps3607\">Nettobuchwert<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7470 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6424\">51.601<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7472 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-0b080fec ps7471\">-349<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7473 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">51.260<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps858 ss545\"><div><div class=\"ps40 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7474 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-0b080fec ps6420\">279<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7476 ss546\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-0b080fec ps7475\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7477 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-0b080fec ps3049\">279<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps862 ss547\"><div><div class=\"ps40 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7478 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-0b080fec ps6426\">1.762<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7480 ss243\"><div><div class=\"ps1717 ss234\"><span class=\"f charStyle-0b080fec ps7479\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7481 ss539\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-0b080fec ps6346\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6839 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7482 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">1.762<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7483 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7479\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7484 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7431 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7485 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7486 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7475\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7487 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7436 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7488 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7489 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7475\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7490 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5277 ss545\"><div><div class=\"ps40 ss542\"><span class=\"f charStyle-37455c2a ps621\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7491 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7492 ss546\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7475\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7493 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1355 ss545\"><div><div class=\"ps40 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7494 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-0b080fec ps6424\">49.560<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7495 ss546\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-0b080fec ps7471\">-348<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7496 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-0b080fec ps3070\">49.212<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps647 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7497 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">47.046<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7499 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7498\">-49<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7500 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">46.997<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps654 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7501 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">1.903<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7502 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7498\">-59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7503 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.844<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps659 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7504 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6420\">558<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7505 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7471\">-231<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7506 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">327<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps665 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7507 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6418\">54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7508 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7479\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7509 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:24pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps672 ss548\"><div><div class=\"ps7510 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">Diese Tabelle enth\u00e4lt keine Eigenkapitalinstrumente (aufsichtsrechtliche Definition und nicht in CRR konsolidierte carrying amounts).</span></div><div class=\"ps7511 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">Der Nettobuchwert enth\u00e4lt in der Position Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte die Fair-Value-Bewertung.</span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">\u00dcberblick \u00fcber Struktur des Kreditportfolios-</span></div><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Ratings, Geografie, W\u00e4hrungen und </span></div><div class=\"ps2830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Sicherheiten</span></div><div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Ratingverteilung des Kreditportfolios</span></div><div class=\"ps2854 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Die Die folgende Tabelle zeigt die Verteilung der Ratings f\u00fcr</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2855 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">das Performing-Portfolio. Insgesamt verbesserte sich das</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Risikoprofil vor allem in den Bereichen Corporates, Real Estate</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">&amp; Public Sector, w\u00e4hrend der Vertrieb im Retail &amp; SME-Bereich</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">den Erwartungen nach der Integration der Barclays Consumer</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:197.24pt\">Bank Europe im ersten Quartal 2025 entsprach.</span><span class=\"f charStyle-34546584 ps7513\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:2.36pt\"> </span></div><div class=\"ps7514 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">Moody\u2019s </span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">Rating </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00c4quivalent</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps7398\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps7399\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Aaa\u2013Aa2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">29,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">90,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">28,8%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Aa3\u2013A1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">10,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">21,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">4,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">A2\u2013A3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">22,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">7,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">14,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Baa1\u2013Baa3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">41,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">29,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">3,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">29,6%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Ba1\u2013B1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">18,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">12,5%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">B2\u2013Caa2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,6%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Caa3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">3,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,1%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7515 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">Moody\u2019s </span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">Rating </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00c4quivalent</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps7398\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps7399\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Aaa\u2013Aa2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">24,6%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">87,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">32,8%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Aa3\u2013A1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">16,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">4,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">9,9%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">A2\u2013A3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">19,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">9,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,8%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Baa1\u2013Baa3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">49,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">37,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">4,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">33,0%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Ba1\u2013B1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">13,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">9,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">B2\u2013Caa2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Caa3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">4,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,1%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Geografische Verteilung des Kreditportfolios</span></div><div class=\"ps7517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die geografische Verteilung des Kreditportfolios steht im</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Einklang mit der Strategie der BAWAG, die sich auf stabile</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps7519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Volkswirtschaften und W\u00e4hrungen, mit einem Bilanzanteil von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps7516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">78% (2024: 79%) in \u00d6sterreich, Deutschland und den</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Niederlanden durch die Integration von Barclays Consumer</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:158.81pt\">Bank Europe in Q1 2025, konzentriert.</span></div><div class=\"ps7533 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">Geografische Verteilung des Kreditportfolios<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">25.765<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">29.592<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">36%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">43%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Niederlande<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">19.579<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">19.625<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">28%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">28%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">9.699<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.915<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">14%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">9%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Nordamerika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">9.179<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.245<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">13%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">10%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Irland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.139<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.320<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Frankreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.803<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.562<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">2%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4227 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.426<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.093<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2260 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">4%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7530 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">70.590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7531 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">69.353<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2771 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2772 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">W\u00e4hrungsverteilung des Kreditportfolios</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Konsistent mit der strategischen Ausrichtung der BAWAG blieb</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Gro\u00dfteil der Finanzierungen in EUR stabil. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">W\u00e4hrungsverteilung des gesamten Kreditportfolios setzt sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:86.22pt\">wie folgt zusammen:</span></div><div class=\"ps7220 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">60.164<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">60.374<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">85,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">87,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">9.041<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.239<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">12,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">10,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4022 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">656<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">697<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,9%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps315 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">285<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps316 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">538<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps319 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps321 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">444<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps322 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">506<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps323 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps324 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps326 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps627 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">70.590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps628 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">69.353<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps629 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps630 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sicherheiten im Gesamtkreditportfolio und Bewertung von </span></div><div class=\"ps4352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sicherheiten</span></div><div class=\"ps7537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die untenstehende \u00dcbersicht \u00fcber die Sicherheitenarten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">veranschaulicht den hohen Anteil an privaten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4354 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:262.04pt\">Immobiliensicherheiten, welcher sich auf 83% (2024: 84%) am</span><span class=\"f charStyle-e63b9797 ps171\" style=\"width:2.11pt\"> </span></div><div class=\"ps7539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:132.36pt\">gesamten Kreditportfolios bel\u00e4uft</span><span class=\"f charStyle-34546584 ps7538\" style=\"width:2.62pt\">.</span></div><div class=\"ps7541 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio</span><span class=\"f charStyle-32bf9c18 ps7540\">. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">30.473<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">29.906<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">69,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">69,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon private Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">25.390<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">24.980<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">83,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">83,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon gewerbliche Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.083<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.926<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">16,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">16,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Garantien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">8.929<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.682<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">20,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">22,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Kreditsicherheiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.499<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">4,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">3,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Sicherheiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps456 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.797<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps457 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.763<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">6,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">4,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps462 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">43.956<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps463 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">42.850<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Gesch\u00e4ftsstrategie der BAWAG fokussiert sich auf die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzierung von besicherten Krediten, wann immer dies</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">m\u00f6glich ist. Sicherheiten dienen als wesentliche Unterst\u00fctzung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">f\u00fcr die Kreditvergabe und wirken verlustmindernd bei Ausfall</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">des Schuldners, wobei beim Entscheidungsprozess neben der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Qualit\u00e4t und Verwertbarkeit der Sicherheiten die Leistbarkeit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:227.34pt\">f\u00fcr den Kreditnehmer jedenfalls im Vordergrund steht.</span></div><div class=\"ps7549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Alle angenommenen Sicherheiten sind im Konzern-</span></div><div class=\"ps7550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Sicherheitenkatalog festgehalten, wo auch die Grundlagen f\u00fcr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">die Bewertung und Neubewertung von Sicherheiten definiert</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sind. Hier wird neben allen grunds\u00e4tzlich akzeptierten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kombinationen von G\u00fctern (Eigenschaften des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Wirtschaftsguts) und Sicherheiten (Rechtstitel der Bank) auch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">definiert, welcher Wert (Marktwert, Nominalwert etc.)</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">heranzuziehen ist. Das Enterprise-Risk-Management-Komitee</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">entscheidet, welche Sicherheiten \u2013 unter Ber\u00fccksichtigung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">der\u00a0entsprechenden Haircuts \u2013 kreditrisikomindernd</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7561 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:125.6pt\">herangezogen werden d\u00fcrfen.</span></div><div class=\"ps7562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:173.59pt\">Folgende Sicherheiten werden akzeptiert:</span></div><div class=\"ps7563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:226.62pt\">Wohnimmobilien und gewerblich genutzte Immobilien</span></div><div class=\"ps7564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Sonstige Kreditsicherheiten: Fahrzeuge und sonstige</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">physische Sicherheiten (derzeit keine Verwendung zur</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Kreditrisikominimierung), Verpf\u00e4ndung oder Abtretung von</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:93.05pt\">Lebensversicherungen</span></div><div class=\"ps7568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Finanzgarantien: finanzielle Sicherheiten, Wertpapiere und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7569 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:140.41pt\">Bareinlagen beim eigenen Institut</span></div><div class=\"ps7570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Kreditverbesserungen: Garantien und Mitverpflichtungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">(NHG-Garantien f\u00fcr Immobilienhypotheken in den</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7572 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Niederlanden bieten eine zus\u00e4tzliche Garantie f\u00fcr</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7573 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:136.79pt\">Risikominderungsberechnungen)</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Um als Kreditrisikominderung zu dienen, m\u00fcssen Sicherheiten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">alle gesetzlichen und regulatorischen Anforderungen erf\u00fcllen,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">welche wiederum in gruppenweiten, internen Policies</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">definiert sind. Um l\u00e4nderspezifischen Besonderheiten bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kreditsicherheiten Rechnung zu tragen, gibt es zus\u00e4tzlich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">regionale Handb\u00fccher f\u00fcr die einzelnen T\u00f6chter bzw.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Niederlassungen. Zumindest j\u00e4hrlich erfolgt eine \u00dcberpr\u00fcfung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">dieser Policies. Allf\u00e4llige Ausnahmen zu den internen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Regelungen m\u00fcssen begr\u00fcndet, gesondert beantragt und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:112.86pt\">explizit genehmigt werden.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Wertermittlung f\u00fcr inl\u00e4ndische Wohnimmobilien erfolgt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">zentral durch Experten f\u00fcr die Bewertung von Immobilien</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">unter Anwendung standardisierter Methoden sowie unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zuhilfenahme eines Bewertungstools. Die Sch\u00e4tzung von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Immobilien in anderen L\u00e4ndern erfolgt ebenfalls durch</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">unabh\u00e4ngige Fachleute nach internationalen Standards. Die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">turnusm\u00e4\u00dfige \u00dcberpr\u00fcfung bzw. Aktualisierung der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wohnimmobilienwerte erfolgt automationsgest\u00fctzt auf Basis</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">des Immobilienpreisindex des Fachverbands der Immobilien-</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und Verm\u00f6genstreuh\u00e4nder der Wirtschaftskammer \u00d6sterreich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">f\u00fcr \u00f6sterreichische Objekte, mittels</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Marktschwankungsmethode bei in Deutschland gelegenen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Immobilien, sowie mit Hilfe der entsprechenden lokalen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Immobilienpreisindices in den L\u00e4ndern, in denen sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:226.19pt\">Immobiliensicherheiten der BAWAG-Gruppe befinden.</span><span class=\"f charStyle-34546584 ps7574\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gewerbeimmobilien werden von Sachverst\u00e4ndigen f\u00fcr die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bewertung von Gewerbeimmobilien oder von ausgew\u00e4hlten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">externen Gutachtern im Auftrag des Konzerns bzw. eines</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Konsortialpartners individuell nach erfolgter Vor-Ort-</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:211.89pt\">Besichtigung und voller Befundaufnahme bewertet</span><span class=\"f charStyle-34546584 ps7575\" style=\"width:2.62pt\">.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Forborne-Forderungen, Forbearance-Ma\u00dfnahmen und </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Unlikeliness to pay</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Forbearance-Ma\u00dfnahmen k\u00f6nnen zur Anwendung kommen,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">wenn Kunden aufgrund finanzieller Schwierigkeiten nicht in</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">der Lage sind, den vereinbarten Vertragsbedingungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">nachzukommen. Die BAWAG verf\u00fcgt hierbei \u00fcber klar</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">festgelegte und transparente Prozesse in der gesamten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gruppe, in deren Rahmen Vertragsanpassungen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">vorgenommen werden k\u00f6nnen. In Abh\u00e4ngigkeit vom</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kundensegment umfasst der Ma\u00dfnahmenkatalog die zeitlich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">befristete Stundung oder Reduzierung von Zinszahlungen oder</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kapitalraten, die Restrukturierung von Kapitalfazilit\u00e4ten oder</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">sonstige Forbearance-Ma\u00dfnahmen. In Ausnahmef\u00e4llen werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zeitlich begrenzte oder permanente Reduzierungen des</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:81.35pt\">Zinssatzes gew\u00e4hrt.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Stundungs- und Refinanzierungsma\u00dfnahmen dienen zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">effektiven Risikoreduzierung und Ausfallvermeidung bei</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">ausfallgef\u00e4hrdeten Krediten, sofern erwartet wird, dass damit</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ein Ausfall verhindert werden kann. Jedoch werden diese</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ma\u00dfnahmen keinesfalls daf\u00fcr benutzt, einen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">unausweichlichen Ausfall zu verschieben oder das Ausma\u00df des</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.23pt\">Kreditrisikos aus gestundeten Forderungen zu verschleiern.</span><span class=\"f charStyle-34546584 ps7576\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Durch zeitlich und im Umfang abgestimmte Zugest\u00e4ndnisse in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Form von Vertragsanpassungen unterst\u00fctzt die BAWAG</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kunden in Zahlungsschwierigkeiten. Sofern diese</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">unterst\u00fctzenden Ma\u00dfnahmen ohne Erfolg bleiben, werden</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Forderungen an Kunden in \u00dcbereinstimmung mit aufsichts-</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:248.12pt\">und bilanzrechtlichen Standards als ausgefallen klassifiziert.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">F\u00fcr Reportingzwecke sowie f\u00fcr die interne Risikosteuerung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">verf\u00fcgt die BAWAG \u00fcber Prozesse und Methoden in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Anwendung regulatorischer Standards zur Identifikation von</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Forderungen, f\u00fcr die Stundungs- bzw. sonstige Forbearance-</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ma\u00dfnahmen gew\u00e4hrt wurden. Diese werden als \u201eForborne\u201c</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:67.94pt\">gekennzeichnet.</span></div><div class=\"ps7594 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:54.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss551\"><div><div class=\"ps7577 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps7578 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss552\"><div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7579\">Gestundete <span class=\"f ps37\"> </span></span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss552\"><div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7582\">Davon <span class=\"f ps37\"> </span></span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps7583\">ausgefallen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss552\"><div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps7584\">% der <span class=\"f ps37\"> </span></span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss552\"><div><div class=\"ps7588 ss151\"><span class=\"f charStyle-37455c2a ps7587\">Besicherungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps7589\">quote der </span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss552\"><div><div class=\"ps7590 ss151\"><span class=\"f charStyle-37455c2a ps7587\">Besicherungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps7588 ss151\"><span class=\"f charStyle-37455c2a ps7589\">quote der </span></div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps4376\">ausgefallenen </span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">382<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">90<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7591\"></span><span class=\"ps7591\">1,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">63%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">69%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3333 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">438<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7591\"></span><span class=\"ps7591\">3,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">65%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3548 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">42%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">820<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">110<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7593\"></span><span class=\"ps7593\">1,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7592\"></span><span class=\"ps7592\">64%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3549 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7592\"></span><span class=\"ps7592\">64%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7595 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:54.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss551\"><div><div class=\"ps7577 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps7578 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss552\"><div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7579\">Gestundete <span class=\"f ps37\"> </span></span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss552\"><div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7582\">Davon <span class=\"f ps37\"> </span></span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps7583\">ausgefallen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss552\"><div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps7584\">% der <span class=\"f ps37\"> </span></span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss552\"><div><div class=\"ps7588 ss151\"><span class=\"f charStyle-37455c2a ps7587\">Besicherungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps7589\">quote der </span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss552\"><div><div class=\"ps7590 ss151\"><span class=\"f charStyle-37455c2a ps7587\">Besicherungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps7588 ss151\"><span class=\"f charStyle-37455c2a ps7589\">quote der </span></div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps4376\">ausgefallenen </span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">74<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7591\"></span><span class=\"ps7591\">1,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">61%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">66%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3333 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">395<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7591\"></span><span class=\"ps7591\">3,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">72%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3548 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">68%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">763<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">169<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7593\"></span><span class=\"ps7593\">1,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7592\"></span><span class=\"ps7592\">67%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3549 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7592\"></span><span class=\"ps7592\">67%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Retail &amp; SME</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die BAWAG wendet die folgenden Grunds\u00e4tze f\u00fcr die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bonit\u00e4tspr\u00fcfung von Privatkunden an. Diese Grunds\u00e4tze</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">spiegeln sich in den Kreditvergaberichtlinien unter</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:233.84pt\">Ber\u00fccksichtigung des genehmigten Risikoappetits wider.</span><span class=\"f charStyle-34546584 ps7596\" style=\"width:2.36pt\"> </span></div><div class=\"ps1419 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Finanzierbarkeit: F\u00e4higkeit eines Kreditnehmers, einen</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7597 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Kredit zur\u00fcckzuzahlen, indem das Einkommen mit den</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1420 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">laufenden Ausgaben und Kreditverpflichtungen verglichen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1421 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">wird. Dar\u00fcber hinaus wenden wir Backstop-Regeln an, die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7598 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">auf dem Verh\u00e4ltnis von Schuldendienst zu Einkommen</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1422 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">(Debt service to income, DSTI) basieren, um die</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1423 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:197.9pt\">Verschuldung des Kreditnehmers zu begrenzen.</span></div><div class=\"ps7599 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Kreditbonit\u00e4t: Bisheriges R\u00fcckzahlungsverhalten des</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps7600 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Kunden basierend auf intern und extern gesammelten</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7601 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Informationen. Wir verwenden statistische Scorecards, um</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps7602 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Kunden zum Zeitpunkt der Kreditvergabe sowie fortlaufend</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7603 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">zu bewerten. Scorecards bilden die Basis der Risiko-Ertrags-</span></div><div class=\"ps7604 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:240.36pt\">Bewertung innerhalb der genehmigten Risikobereitschaft.</span></div><div class=\"ps7605 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Verwendungszweck: Kreditkonditionen gehen aus dem</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7606 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Zweck des Kredites f\u00fcr den Kreditnehmer hervor und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7607 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">m\u00fcssen mit dem Produktzweck, den Bedingungen und den</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps7608 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">Konditionen abgestimmt sein. Zu diesem Zweck haben wir</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">ein klar definiertes Produktangebot mit definiertem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:246.15pt\">maximalem Kreditbetrag, Laufzeit und Verwendungszweck.</span><span class=\"f charStyle-34546584 ps7609\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Sicherheiten: Verwertbarkeit von Sicherheiten des</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Schuldners im Falle eines Ausfalls. Klar definierte Kriterien</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">f\u00fcr die Anrechnung von Sicherheiten, die von internen und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:154.25pt\">externen Experten bewertet werden.</span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Mindestbeteiligung: klar definierte Mindestbeteiligung des</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Kreditnehmers in Bezug auf bereitgestelltes Eigenkapital</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:178.54pt\">und/oder Loan-to-Value (LTV)-Grenzwerte.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Unsere Strategie besteht darin, unser Retail &amp; SME-</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Neugesch\u00e4ft weiter auf assetbasierte besicherte Produkte (vor</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">allem Wohnimmobilien und Leasing) zu verlagern, was durch</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">den Erwerb von KNAB im November 2024 weiter untermauert</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">wird und den Anteil an assetbasierten besicherten Produkten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Ende 2024 auf 85% trieb. Durch den Erwerb der Barclays</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Consumer Bank ist der Anteil 2025 auf 74% des Portfolios</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">gesunken. Die restlichen 26% (2024: 15%) unseres Portfolios</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">bestehen aus unbesicherten Retail &amp; SME-Krediten. Das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Segment beinhaltet Verm\u00f6genswerte in \u00d6sterreich,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Deutschland, den Niederlanden sowie Westeuropa und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:57.01pt\">Nordamerika.</span></div><div class=\"ps7642 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps278 ss16\"><div><div class=\"ps38 ss15\"><span class=\"f charStyle-02ed52cc ps36\">Produktverteilung des Retail &amp; SME-Kreditportfolios<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps1334 ss262\"><div><div class=\"ps281 ss261\"><span class=\"f charStyle-c5fdbd46 ps7610\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7611 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps5133 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7612\">NPL-Quote</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7613\">NPL-Deckungsquote</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2574 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7614 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7615 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7616 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7617 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7618 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3619 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2480 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-37455c2a ps36\">Konsumfinanzierungen &amp; KMU<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7619 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">12.200<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7620 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.349<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7621 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">2,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7622\"></span><span class=\"ps7622\">2,8%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7623 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">64,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7625 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7624\"></span><span class=\"ps7624\">63,5%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1344 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-37455c2a ps36\">Hypothekarfinanzierungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7626 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">26.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7627 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">26.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7628 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7629 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7622\"></span><span class=\"ps7622\">0,4%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7630 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">94,9%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7631 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7624\"></span><span class=\"ps7624\">95,1%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps3062 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7632 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps7633 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7635 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7634\"></span><span class=\"ps7634\">1,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7637 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7636\"></span><span class=\"ps7636\">1,2%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7639 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7638\"></span><span class=\"ps7638\">68,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7641 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7640\"></span><span class=\"ps7640\">70,7%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3112 ss555\"><div><div class=\"ps4208 ss261\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7644 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Das Hypothekarportfolio zeichnet sich durch robuste LTVs,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7645 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">eine niedrige NPL-Quote, eine hohe Deckungsquote sowie eine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7646 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">gute regionale Diversifizierung aus. Die durchschnittliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7647 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">gewichtete Laufzeit betr\u00e4gt weniger als 23 Jahre (2024:</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7649 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:90.11pt\">weniger als 23\u00a0Jahre).</span><span class=\"f charStyle-34546584 ps7648\" style=\"width:2.36pt\"> </span></div><div class=\"ps7650 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Das Konsumfinanzierungs- und KMU-Gesch\u00e4ft besteht aus</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7651 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">nicht besicherten Privatkrediten, Kreditlinien und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7652 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kreditkarten, generiert durch die nationalen und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7653 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">internationalen Vertriebskan\u00e4le der Gruppe. Es umfasst auch</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7654 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">das Leasing- und Factoringgesch\u00e4ft mit einem Mix von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7655 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Leasingverm\u00f6genswerten (KFZ-Leasing, Immobilien- und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7656 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:198.05pt\">Immobilienleasing) und Factoring-Forderungen.</span></div><div class=\"ps7659 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die NPL-Quoten und NPL-Deckungsquoten im Segment Retail</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7660 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">&amp; SME spiegeln das stabile und risikoarme Portfolio wider. Es</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7661 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">wurde die Strategie weiterverfolgt, notleidende</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7662 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kreditportfolien konsequent zu bearbeiten, um niedrige NPL-</span></div><div class=\"ps7663 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Exposure sicherzustellen und sich auf das Kerngesch\u00e4ft zu</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7664 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">konzentrieren. Zus\u00e4tzlich wurden die Fr\u00fcherkennungs-,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7665 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Collection- und Betreibungsprozesse im Hinblick auf eine</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7666 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">erfolgreiche R\u00fcckf\u00fchrung der Kredite aus</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7667 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">abwicklungstechnischer und Risikosicht weiter verbessert. Die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7668 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">NPL-Quote des Retail &amp; SME-Portfolios betr\u00e4gt 1,2% (2024:</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7669 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">1,2%). Die NPL-Deckungsquote von 69% (2024: 71%)</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7671 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:192.29pt\">untermauert das Risikoprofil dieses Portfolios.</span><span class=\"f charStyle-34546584 ps7670\" style=\"width:2.36pt\"> </span></div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">Geografische Verteilung des Retail &amp; SME-Kreditportfolios<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Niederlande<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">16.667<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.661<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">43%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">49%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">11.924<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">12.158<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">31%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">36%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">6.204<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.338<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">16%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">7%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Nordamerika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.424<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.478<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">9%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">7%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">594<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">470<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">2%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">1%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7674 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">W\u00e4hrungsverteilung des Retail &amp; SME-Kreditportfolios<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps281 ss26\"><span class=\"f charStyle-c5fdbd46 ps7672\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">34.811<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">30.944<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">89,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">90,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.198<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.283<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">8,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">6,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">571<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">599<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">CAD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">194<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">87<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7673\"></span><span class=\"ps7673\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Verzugstage des Retail &amp; SME-Kreditportfolios </span></div><div class=\"ps7678 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.74pt\">Eine \u00dcberwachung des Portfolios in Bezug auf Verzugstage</span><span class=\"f charStyle-34546584 ps7677\" style=\"width:2.36pt\"> </span></div><div class=\"ps7680 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.77pt\">erfolgt laufend. Die Ziele sind, eine negative</span><span class=\"f charStyle-34546584 ps7679\" style=\"width:2.36pt\"> </span></div><div class=\"ps7682 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.76pt\">Kreditentwicklung im Portfolio fr\u00fchm\u00f6glichst zu erkennen und</span><span class=\"f charStyle-34546584 ps7681\" style=\"width:2.36pt\"> </span></div><div class=\"ps7683 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.77pt\">proaktive Kundenkontaktaufnahme, um vollst\u00e4ndige</span><span class=\"f charStyle-34546584 ps7679\" style=\"width:2.36pt\"> </span></div><div class=\"ps7684 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.74pt\">Kreditr\u00fcckzahlung zu sichern. Im Segment Retail &amp; SME</span><span class=\"f charStyle-34546584 ps7677\" style=\"width:2.36pt\"> </span></div><div class=\"ps7686 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.75pt\">weisen 98% (2024: 98%) der Forderungen keine Verzugstage</span><span class=\"f charStyle-34546584 ps7685\" style=\"width:2.36pt\"> </span></div><div class=\"ps7687 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.77pt\">auf. Insgesamt belegen das geringe Verzugstagevolumen, die</span><span class=\"f charStyle-34546584 ps7679\" style=\"width:2.36pt\"> </span></div><div class=\"ps7688 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.79pt\">stabilen Vintages und die produktspezifischen Scorecard-</span></div><div class=\"ps7689 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:205pt\">Ergebnisse die hohe Kreditqualit\u00e4t des Portfolios.</span></div><div class=\"ps7715 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"padding:0\"><div class=\"ps278 ss556\"><div><div class=\"ps1717 ss261\"><span class=\"f charStyle-c5fdbd46 ps7610\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps2044 ss557\"><div><div class=\"ps40 ss263\"><span class=\"f charStyle-c5fdbd46 ps7692\">Konsumfinanzierungen &amp; </span></div><div class=\"ps1717 ss263\"><span class=\"f charStyle-c5fdbd46 ps7693\">KMU</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss557\"><div><div class=\"ps1717 ss263\"><span class=\"f charStyle-c5fdbd46 ps1807\">Hypothekarfinanzierungen</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss557\"><div><div class=\"ps1717 ss263\"><span class=\"f charStyle-c5fdbd46 ps4010\">Summe</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2548 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7694 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7695 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7696 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7697 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6149 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6150 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3720 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">Summe der Buchwerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7698 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">12.200<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5137 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.349<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps5138 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">26.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5139 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">26.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps5140 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5141 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3328 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">Keine Verzugstage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7699 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">93,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7700 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">93,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7701 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">99,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7702 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">99,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7703 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">97,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7704 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">97,9%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3726 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">1\u201330 Tage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7705 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7706 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7707 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7708 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7709 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7710 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">31\u201360 Tage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7711 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7712 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps456 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps460 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1831 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">61\u201390 Tage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7713 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7714 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5712 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5713 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5714 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5715 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"i09a461f17cf74621addefd77da42aae9_163\" style=\"position:absolute;top:104.88pt\"></div><div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Corporates, Real Estate &amp; Public Sector</span></div><div class=\"ps1179 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:87.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss511\"><div><div class=\"ps1091 ss510\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7718 ss559\"><div><div class=\"ps281 ss558\"><span class=\"f charStyle-c5fdbd46 ps7717\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps3309 ss559\"><div><div class=\"ps281 ss558\"><span class=\"f charStyle-c5fdbd46 ps7719\">NPL-Quote</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7721 ss559\"><div><div class=\"ps281 ss558\"><span class=\"f charStyle-c5fdbd46 ps7720\">NPL-Deckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7722 ss559\"><div><div class=\"ps281 ss558\"><span class=\"f charStyle-c5fdbd46 ps3397\">Investment Grade</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss511\"><div><div class=\"ps277 ss510\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7724 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-36b68314 ps7723\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7726 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7725\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6324 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-36b68314 ps7723\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7727 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7725\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7728 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-36b68314 ps7723\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7729 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-37455c2a ps5397\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7730 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-36b68314 ps7723\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7731 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-37455c2a ps5397\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss560\"><div><div class=\"ps40 ss510\"><span class=\"f charStyle-37455c2a ps36\">Firmenkundengesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7733 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34 ps7732\">2.742<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7734 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7732\">2.832<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7736 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7735\"></span><span class=\"ps7735\">1,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7738 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7737\"></span><span class=\"ps7737\">0,5%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7740 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">52,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7742 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">98,3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7743 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">94,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7744 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">94,8%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss560\"><div><div class=\"ps40 ss510\"><span class=\"f charStyle-37455c2a ps36\">Immobiliengesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7745 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34 ps7732\">5.686<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7746 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7732\">5.461<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7748 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7747\"></span><span class=\"ps7747\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7749 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7737\"></span><span class=\"ps7737\">1,5%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7750 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">98,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7751 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">66,1%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7752 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">73,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7753 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">71,9%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss560\"><div><div class=\"ps40 ss510\"><span class=\"f charStyle-37455c2a ps36\">\u00d6ffentlicher Sektor<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7754 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34 ps7732\">5.737<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7755 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7732\">5.047<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7756 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7747\"></span><span class=\"ps7747\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7758 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7757\"></span><span class=\"ps7757\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7759 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7747\"></span><span class=\"ps7747\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7760 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7757\"></span><span class=\"ps7757\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7761 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">97,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7762 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">99,0%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss560\"><div><div class=\"ps40 ss510\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7763 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-36b68314 ps3397\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7764 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-0b080fec ps3397\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3339 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-36b68314\"><span class=\"ps7765\"></span><span class=\"ps7765\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7767 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7766\"></span><span class=\"ps7766\">0,7%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7769 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-36b68314\"><span class=\"ps7768\"></span><span class=\"ps7768\">54,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7771 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7770\"></span><span class=\"ps7770\">71,3%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7772 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-36b68314\"><span class=\"ps7768\"></span><span class=\"ps7768\">87,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7773 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7770\"></span><span class=\"ps7770\">87,0%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"3\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps7267 ss563\"><div><div class=\"ps4208 ss562\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7774 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Portfolios Corporates, Real Estate &amp; Public Sector</span><span class=\"f charStyle-34546584 ps146\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps7775 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">umfassen \u00f6sterreichisches, deutsches sowie internationales</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7776 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gesch\u00e4ft (vorwiegend in den USA, dem Vereinigten K\u00f6nigreich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7777 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und Westeuropa). Dieses Gesch\u00e4ft zeichnet sich durch</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7778 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">proaktives Risikomanagement und diszipliniertes Wachstum in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7779 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">entwickelten und stabilen Wirtschaftsr\u00e4umen (vor allem USA,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7780 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Gro\u00dfbritannien und Westeuropa) unter Beibehaltung eines</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7781 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">disziplinierten Ansatzes hinsichtlich risikoadjustierten Pricings</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7782 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aus. Die Grundlage des Portfoliomanagements bildet seit</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7783 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Jahren eine konservative Kreditvergabe mit Fokus auf</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7784 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Cashflow generierende Unternehmen, hohe Gewinnspanne,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7785 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Preissetzungsmacht mit hoher Sicherheitenqualit\u00e4t, solide</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7786 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kapitalstrukturen und starke Kreditgeberschutzmerkmale. Die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7787 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Anforderungen an die Kreditvergabe bleiben \u00fcber den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7788 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Konjunkturzyklus hinweg stabil und k\u00f6nnen unsere F\u00e4higkeit,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7789 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">neues Gesch\u00e4ft zu generieren, beeintr\u00e4chtigen. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7790 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Beibehaltung unseres niedrigen Risikoprofils ist von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7791 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">allergr\u00f6\u00dfter Bedeutung, wobei wir stets angemessene</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7792 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">risikoadjustierte Renditen erzielen und niemals durch ein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7793 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">erh\u00f6htes Kreditrisiko oder einen geringeren strukturellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7794 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:91.51pt\">Schutz kompensieren.</span></div><div class=\"ps7795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Management des Kredit- und Zinsrisikos des Kreditportfolios </span></div><div class=\"ps7796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Corporates, Real Estate &amp; Public Sector</span></div><div class=\"ps7797 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die BAWAG nimmt ein enges Monitoring der zinsinduzierten</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4579 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Risiken in ihren Kreditportfolien vor. In der Regel werden</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps4580 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verschuldungsgrad, zuk\u00fcnftige Zinsaufwendungen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4581 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zinsstruktur (fix/variabel), Absicherungsvereinbarungen,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4582 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Refinanzierungszeitpunkte und -risiken) bei der Kreditvergabe,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4583 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bei der j\u00e4hrlichen \u00dcberpr\u00fcfung und, noch h\u00e4ufiger, auf Ad-</span></div><div class=\"ps4585 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">hoc-Basis eingehend analysiert. Zur Bewertung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7774 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kreditw\u00fcrdigkeit und f\u00fcr eine Risikobewertung werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7775 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">strenge Annahmen zugrunde gelegt. F\u00fcr internationale</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7776 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewerbeimmobilien sehen die Vertr\u00e4ge in der Regel eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7777 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Hedgingpflicht f\u00fcr variabel verzinsliche Darlehen vor, sobald</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7778 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">ein bestimmter Schwellenwert (z.B. Euribor-Zinssatz) erreicht</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7779 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">ist. Zus\u00e4tzlich kommen Zinsreserven und Garantien von</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps7780 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Sponsoren als Abfederung des Zinsrisikos zur Anwendung.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7781 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Derzeit sind ca.\u00a070% (2024: ca. 70%) des Portfolios Corporate,</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps7782 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:235.7pt\">Real Estate &amp; Public Sector an variable Zinsen gebunden.</span></div><div class=\"ps7784 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Wesentliche Kreditentscheidungen werden vom Credit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7785 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Approval Committee (CAC), einem speziellen Gremium auf</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7786 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Vorstandsebene, getroffen. Jede Kreditentscheidung wird</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7787 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">gem\u00e4\u00df den Richtlinien der BAWAG streng gepr\u00fcft, diskutiert</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7788 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">und koordiniert. Die BAWAG-Risikomanager verf\u00fcgen \u00fcber</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7789 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">umfangreiche fachliche Kenntnisse in allen relevanten Asset-</span></div><div class=\"ps7790 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Klassen, sowohl im \u00f6sterreichischen und deutschen Gesch\u00e4ft</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7791 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">als auch im Internationalen. Bis zu bestimmten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7792 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Pouvoirgrenzen werden Kreditentscheidungen auch von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7793 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Risikomanagern getroffen. Ein effektiver \u00dcberwachungs- und</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7794 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:213.99pt\">Reviewprozess w\u00e4hrend der Laufzeit ist vorhanden.</span></div><div class=\"ps7795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Risikokonzentrationen nach Branchen im Kreditportfolio </span></div><div class=\"ps7796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Corporates, Real Estate &amp; Public Sector</span></div><div class=\"ps7797 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ein Hauptfokus des Risikomanagements im Corporates &amp;</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps4579 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Public Sector-Bereich liegt auf dem Konzentrationsrisiko.</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4580 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Dieses entsteht durch signifikante Exposures in individuellen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4581 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kundensegmenten oder betr\u00e4chtlichen Industrie-, L\u00e4nder-</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps4582 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:112.2pt\">Fremdw\u00e4hrungsexposures.</span></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Risikokonzentrationen nach Branchen im Kreditportfolio Corporates, Real Estate &amp; Public Sector <span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps281 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">Corporates, Real Estate &amp; Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Immobiliengesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.810<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.594<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">41%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">42%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">\u00d6ffentlicher Sektor<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.737<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.047<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">41%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">38%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Lender Financing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">773<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">581<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">467<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">416<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">B-2-C-Produkte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Lebensmittel &amp; Getr\u00e4nke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">234<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Engineering und B-2-B<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4227 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">150<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">122<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2260 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Gesundheitswesen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7530 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7531 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">150<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2771 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2772 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5344 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pharmazeutika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7800 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">133<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7801 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7802 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7803 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Versorgungsunternehmen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7804 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">115<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7805 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">193<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2817 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2818 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7806 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7807 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">404<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7808 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7809 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7810 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1668 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7811 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1669 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1670 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1671 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2272 ss564\"><div><div class=\"ps4208 ss26\"><span class=\"f charStyle-5ee25b5a ps36\">Verwendung einer internen Branchensegmentierung.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps3146 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Geografische Verteilung des Kreditportfolios Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Nordamerika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.034<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.274<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">36%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">32%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.592<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.894<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">25%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">29%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.938<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.696<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">14%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">13%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Frankreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.185<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">716<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">8%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">5%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.417<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.758<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">17%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">21%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7813 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Verteilung des Kreditportfolios und der Wertpapiere nach W\u00e4hrung<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">8.695<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">8.462<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">61,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">63,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">4.907<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">34,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">31,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">267<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">333<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,9%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">2,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">SEK<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">118<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">113<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">87<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">193<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4227 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2260 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7816 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:49.74pt\">Corporates:</span><span class=\"f charStyle-34546584 ps7815\" style=\"width:212.29pt\"> Das Corporate-Portfolio besteht haupts\u00e4chlich aus</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7817 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">direkten Krediten an Unternehmen. Das Segment zeichnet sich</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7819 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:244.7pt\">durch ein moderates (Net) Debt/EBITDA-Verh\u00e4ltnis von &lt;</span><span class=\"f charStyle-5a2826df ps7818\" style=\"width:17.34pt\"><span style=\"background-color:inherit\">4,0x</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7821 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:3.13pt\"><span style=\"background-color:inherit\">(</span></span><span class=\"f charStyle-34546584 ps7820\" style=\"width:258.92pt\">2024: &lt;4,0x), starke Cashflow-Profile und 95% (2024: 95%) in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7822 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">internen Ratingklassen, die der Investment-Grade-Klasse</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7823 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">entsprechen, aus. Wir konzentrieren uns auf nicht-zyklische</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7825 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:71.77pt\">Branchen mit </span><span class=\"f charStyle-e63b9797 ps7824\" style=\"width:190.25pt\">nachhaltigen Margen und stressresistenten</span><span class=\"f charStyle-e63b9797 ps148\" style=\"width:2.11pt\"> </span></div><div class=\"ps7816 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:77.83pt\">Gesch\u00e4ftsmodellen.</span><span class=\"f charStyle-34546584 ps7826\" style=\"width:184.22pt\"> Dar\u00fcber hinaus ist das Portfolio</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7817 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">\u00fcberwiegend im Senior-secured-Rang, was die vorrangige</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7819 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">First-out-Position in der Kapitalstruktur widerspiegelt. Die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7821 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">relativ niedrige NPL-Quote von 1,1% (2024: 0,5%) spiegelt die</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7822 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">selektive Kreditvergabe und das widerstandsf\u00e4hige Portfolio</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7823 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:26.25pt\">wider.</span></div></div><div><div class=\"ps797 ss0\"><div class=\"ss518 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">Risikokonzentrationen nach Branchen im Corporates-Gesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7828 ss566\"><div><div class=\"ps281 ss565\"><span class=\"f charStyle-c5fdbd46 ps2469\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps6384 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7829 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7830 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7831 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7832 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Lender Financing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7833 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">773<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7834 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">581<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7835 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">28%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7836 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">21%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7837 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">467<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7838 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">416<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7839 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">17%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7840 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">15%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">B-2-C-Produkte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7841 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7842 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7843 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7844 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">9%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Lebensmittel &amp; Getr\u00e4nke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7845 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7846 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">234<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7847 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7848 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Engineering und B-2-B<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7849 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">150<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7850 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">122<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7851 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7852 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Gesundheitswesen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7853 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7854 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">150<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7855 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7856 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pharmazeutika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7857 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">133<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7858 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7859 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7860 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Versorgungsunternehmen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7861 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">115<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7862 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">193<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7863 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7864 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5344 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Holz &amp; Papier<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7865 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7866 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7867 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7868 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7869 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7870 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">655<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7871 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">16%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7872 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">23%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7806 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7873 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps772\">2.742<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7874 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.832<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7875 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7876 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1668 ss564\"><div><div class=\"ps4208 ss26\"><span class=\"f charStyle-5ee25b5a ps36\">Verwendung einer internen Branchensegmentierung.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7878 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:53.23pt\">Real Estate: </span><span class=\"f charStyle-34546584 ps7877\" style=\"width:208.81pt\">Immobilientransaktionen umfassen Engagements,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7879 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">mit denen entweder direkt Einzelimmobilien,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7880 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Immobilienportfolios oder Kreditportfolios besichert durch</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7881 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Immobilien bzw. mehrere Immobilienarten finanziert werden.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7882 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das Kreditportfolio besteht aus vorrangig besicherten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7883 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Strukturen mit einem LTV/C von durchschnittlich &lt;50% (2024:</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7884 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">&lt;60 %). Das querbesicherte Ring-fenced-Portfolio verf\u00fcgt \u00fcber</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7885 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Merkmale wie signifikantes Eigenkapital, Cashflow-Sweeps,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps799 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Anforderungen an die Zinsdeckung, Zins-</span></div><div class=\"ps805 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Hedgingverpflichtungen, Garantien von Sponsoren und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps806 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Covenant-Tests, welche zu einer St\u00e4rkung der Positionen des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps807 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kreditgebers beitragen. Die Immobilienarten unseres Real-</span></div><div class=\"ps808 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Estate-Portfolios sind gut diversifiziert. Der Anteil der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps809 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Wohnimmobilien am Gesamtbestand betr\u00e4gt 61% (2024: 51</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps814 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">%) im Jahr 2025. Das Neugesch\u00e4ft im Jahr 2025 konzentrierte</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7886 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">sich haupts\u00e4chlich auf Wohnimmobilien, bei denen die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps816 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Angebotsknappheit in unseren M\u00e4rkten weiterhin f\u00fcr gesunde</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps823 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Eckdaten gesorgt hat. Angesichts der starken Auswirkungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps824 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">des aktuellen Umfelds auf die Immobilienm\u00e4rkte haben wir die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps825 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">relevanten M\u00e4rkte- und Verm\u00f6genswertearten in Bezug auf</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps826 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:262.03pt\">L\u00e4nder und zugrunde liegende Verm\u00f6genswerte analysiert, um</span><span class=\"f charStyle-e63b9797 ps160\" style=\"width:2.11pt\"> </span></div><div class=\"ps827 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:262.03pt\">unsere Risikobewertung und den selektiven Ansatz zu best\u00e4tigen.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps828 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:228.08pt\">Die Risikobewertung basiert auf den folgenden Fakten:</span><span class=\"f charStyle-34546584 ps7887\" style=\"width:2.36pt\"> </span></div><div class=\"ps7888 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Robuste Gesamtqualit\u00e4t der Verm\u00f6genswerte in</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7889 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">hochwertigen Lagen/Geografien \u00fcber alle Arten von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7890 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Verm\u00f6genswerten, insbesondere Industrie-, Logistik- und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7891 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:71.92pt\">Wohnimmobilien</span></div><div class=\"ps7892 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Starke Sponsoren mit signifikantem Eigenkapitalanteil und</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps7893 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:231.44pt\">langj\u00e4hriger Gesch\u00e4ftsbeziehung mit der BAWAG Group</span></div><div class=\"ps7894 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Geringeres Nettoengagement im Vergleich zu anderen</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps7895 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Branchen mit hohen Verm\u00f6genswerten und starkem LTV</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7896 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:122.85pt\">f\u00fcr internationale Immobilien</span></div><div class=\"ps7897 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Die Anlageklassen Wohnen und Logistik haben sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7898 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">aufgrund der starken Angebots- und Nachfragedynamik gut</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7899 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">entwickelt, w\u00e4hrend die B\u00fcro- und Retail-Immobilien</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7900 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">unter\u00a0der unklaren Nachfrage und den h\u00f6heren</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7901 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Finanzierungskosten leiden, wobei in den USA erste</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7902 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:193.55pt\">Zeichen der Stabilisierung zu verzeichnen sind.</span></div><div class=\"ps7903 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Hohe Zinss\u00e4tze und Inflation \u00fcben nach wie vor einen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7904 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">gewissen Druck auf die Bewertungen aus, der jedoch durch</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps7905 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:108.62pt\">hohe LTVs gemildert wird.</span></div><div class=\"ps805 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Das gesamte CRE-Portfolio hat sich 2025 um 4% von 5,5 Mrd. \u20ac</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps806 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">auf 5,7 Mrd. \u20ac erh\u00f6ht. Das Neugesch\u00e4ft verlagerte sich seit</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps807 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">2020 vor allem auf Industrie-, Logistik- und Wohnimmobilien.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps808 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Diese Anlageklassen weisen positive Eckdaten auf und machen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps809 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">77% des gesamten Gewerbeimmobilienportfolios im Jahr 2025</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps814 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">(2024: 72%) aus, gegen\u00fcber 48% 2020. Umgekehrt wurde das</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps7886 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Exposure der Kredite im Einzelhandel von 12% im Jahr 2020</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps816 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">auf 3% im Jahr 2025 (2024: 4%) und bei B\u00fcroimmobilien von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps823 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">29% im Jahr 2020 auf 10% im Jahr 2025 (2024: 15%) erheblich</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps824 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">reduziert. Angesichts der Trends zum Onlineshopping und zur</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps825 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.03pt\">Heimarbeit verschlechterten sich die Fundamentaldaten in diesen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps826 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Anlageklassen, und Neugesch\u00e4fte sind sehr selektiv. Diese</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps827 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.04pt\">Ver\u00e4nderung des Risikoappetits wurde bereits vor einigen Jahren</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps828 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">vorgenommen, was uns heute mit einem eingeschr\u00e4nkten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps829 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Exposure in diesen Anlageklassen zu Gute kommt und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps830 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erm\u00f6glicht es uns, Kapital einzusetzen, wenn das Risiko-</span></div><div class=\"ps7906 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:133.56pt\">Rendite-Verh\u00e4ltnis g\u00fcnstiger ist.</span></div><div class=\"ps7907 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Unser Immobilienexposure in den Vereinigten Staaten, das</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7908 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">72% (4,1 Mrd. \u20ac) (2024: 61%, \u20ac 3,3 Mrd.) des gesamten</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7909 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewerbeimmobilienportfolios ausmacht, ist in den Bereichen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wohnen, Industrie und Logistik gewachsen, in denen das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zugrunde liegende Angebot und die Nachfrage weiterhin stark</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7912 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">sind und sich die Cashflows weiterhin wie erwartet entwickeln.</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7913 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Diese Assetklassen machen 87% (2024: 85%) unserer</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">gewerblichen Immobilienfinanzierungen in den USA aus. Auf</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7915 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">B\u00fcroimmobilien in den Vereinigten Staaten entfallen nur 5%</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7916 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(2024: 10%) des gewerblichen Immobilienverm\u00f6gens in H\u00f6he</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7917 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">von 0,2 Mrd. \u20ac (2024: \u20ac 0,3 Mrd.), wobei die Performing-</span></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verm\u00f6genswerte (0,2\u00a0Mrd. \u20ac) (2024: \u20ac 0,2 Mrd.) erhebliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Sicherheitspolster (LTV von 66%) (2024: 69 %) und zugrunde</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">liegende Cashflows aufweisen. Stresstests auf Portfolio- und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:231.67pt\">Einzelgesch\u00e4ftsebene werden regelm\u00e4\u00dfig durchgef\u00fchrt.</span></div><div class=\"ps2901 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss571 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:300pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss568\"><div><div class=\"ps276 ss567\"><span class=\"f charStyle-9f85f029 ps36\">Real Estate zugrunde liegende Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss569\"><div><div class=\"ps279 ss567\" style=\"text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps36\" style=\"width:2.36pt\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7919 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps4010\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps3156 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss569\"><div><div class=\"ps277 ss567\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7920 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2241 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7921 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7922 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Wohnimmobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7923 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.492<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7924 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.769<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7925 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">61%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7926 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">51%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Industrie/Logistik<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7927 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">905<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7928 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.131<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7929 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">16%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7930 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">21%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">B\u00fcro<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7931 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">585<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7932 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">833<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7933 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">10%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7934 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">15%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Gastgewerbe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7935 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">473<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7936 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">449<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7937 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7938 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Einzelhandel<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7939 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7940 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">199<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7941 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7942 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7943 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7944 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">80<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7945 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7946 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-c5fdbd46 ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7947 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps772\">5.686<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2259 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps772\">5.461<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7948 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7949 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6155 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:66.49pt\">Public Sector:</span><span class=\"f charStyle-34546584 ps7950\" style=\"width:195.56pt\"> Das Public-Sector-Portfolio besteht im</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6156 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wesentlichen aus direkten Krediten und Limiten an \u00f6ffentliche</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6158 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Gebietsk\u00f6rperschaften wie Staaten, L\u00e4nder oder Kommunen/</span></div><div class=\"ps4320 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Unternehmen oder an Einrichtungen, die (teilweise) im Besitz</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">solcher \u00f6ffentlichen Stellen sind. In der Regel liegt eine</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">explizite oder implizite Garantie der \u00f6ffentlichen Hand vor. Der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Schwerpunkt des Portfolios liegt in \u00d6sterreich, mit einem</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">kleineren Engagement in Frankreich und Deutschland.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4326 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:258.35pt\">Insgesamt ist dieses Portfolio durch risikoarme staatliche oder</span><span class=\"f charStyle-34546584 ps7951\" style=\"width:2.36pt\"> </span></div><div class=\"ps6155 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">durch Garantien von L\u00e4ndern und Gemeinden garantierte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps6156 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Engagements gekennzeichnet. Es gibt keine signifikante</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6158 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ausfallhistorie f\u00fcr \u00f6ffentliche Einrichtungen in unserem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps4320 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Portfolio, und wir gehen stark von staatlicher Unterst\u00fctzung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps4321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">f\u00fcr \u00f6ffentliche Einrichtungen und Agenturen aus, die in der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps4322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Regel einen \u00f6ffentlichen Zweck erf\u00fcllen und daher systemisch</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">wichtig sind. Es gibt keine NPLs in diesem Teilsegment und</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps4325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">regulatorisch angeforderte risikogewichtete Aktiva sind</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps4326 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:31.55pt\">niedrig.</span><span class=\"f charStyle-34546584 ps7952\" style=\"width:2.36pt\"> </span></div><div class=\"ps7953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Treasury </span></div><div class=\"ps7954 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps684\">Investment Grade</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Bargeld und Bargeld\u00e4quivalent &amp; Kundenforderungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">14.803<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">18.491<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Investmentbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.139<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.391<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">97,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.942<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">21.882<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7638\"></span><span class=\"ps7638\">99,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7638\"></span><span class=\"ps7638\">99,3%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7956 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:36.88pt\">Treasury</span><span class=\"f charStyle-34546584 ps7955\" style=\"width:225.15pt\"> verfolgte weiterhin die Strategie, ein ausgewogenes</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7957 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verh\u00e4ltnis zwischen langfristigen Investitionen in hochwertige</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Wertpapiere und der Beibehaltung unseres Hold-to-Collect</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7959 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und Sell-Portfolios herzustellen, um die Flexibilit\u00e4t f\u00fcr</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Umschichtungen in Kundenkredite oder andere</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7961 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bilanzstrategien zu erm\u00f6glichen. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gesamtzusammensetzung des Portfolios spiegelt unsere</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7963 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Strategie wider, eine hohe Kreditqualit\u00e4t, eine kurz-/</span></div><div class=\"ps7964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">mittelfristige Duration und eine starke Liquidit\u00e4t im</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wertpapierportfolio aufrechtzuerhalten, um die Ziele der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7966 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Generierung eines zus\u00e4tzlichen Nettozinsertrags bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7967 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">gleichzeitiger Minimierung der Marktwertschwankungen in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7968 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">der Gewinn- und Verlustrechnung in Einklang zu bringen.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7969 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Angesicht der historisch engen Kreditspreads und der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">niedrigen Marktvolatilit\u00e4t und der daraus resultierenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">niedrigen risikoadjustierten Spreads waren wir in unserem</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:174.24pt\">Wertpapierportfolio 2025 unterinvestiert.</span><span class=\"f charStyle-34546584 ps7972\" style=\"width:2.36pt\"> </span></div><div class=\"ps7956 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Mit 31. Dezember 2025 beliefen sich das Investmentportfolio</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7957 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">auf 3,1 Mrd. \u20ac (2024: 3,4 Mrd. \u20ac) und die Liquidity Reserve</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">13,3 Mrd. \u20ac (2024: 16,7 Mrd. \u20ac). Die durchschnittliche Laufzeit</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7959 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">des Anlageportfolios betrug 3 Jahre (2024: 4 Jahre) und</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">umfasste zu fast 100% (2024: 99%) Wertpapiere mit</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7961 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Investment-Grade-Rating, von denen 89% (2024: 76%) in der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kategorie A oder h\u00f6her geratet waren. Das Portfolio hat weder</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7963 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">mit Dezember 2025 noch 2024 ein direktes Engagement in</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">China und Russland, der Ukraine oder dem Mittleren Osten.</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:231.18pt\">Das Engagement in Osteuropa ist nach wie vor limitiert.</span></div><div class=\"ps797 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">Geografische Verteilung des Investmentbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">831<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">206<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">26%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7975\"></span><span class=\"ps7975\">6%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Ireland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">815<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">941<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">26%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7974\"></span><span class=\"ps7974\">28%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">France<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">422<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">557<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">13%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7974\"></span><span class=\"ps7974\">16%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Austria<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">315<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">403<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">10%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7974\"></span><span class=\"ps7974\">12%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">United States<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">183<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">222<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7975\"></span><span class=\"ps7975\">6%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7975\"></span><span class=\"ps7975\">7%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">574<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.062<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">18%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7974\"></span><span class=\"ps7974\">31%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4227 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps772\">3.139<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.391<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2260 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7976\"></span><span class=\"ps7976\">100%<span style=\"display:inline-block;height:6pt;width:2.97pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7976\"></span><span class=\"ps7976\">100%<span style=\"display:inline-block;height:6pt;width:2.97pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7977 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">W\u00e4hrungsverteilung des Investmentbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps279 ss26\" style=\"text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps36\" style=\"width:2.36pt\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.785<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.885<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">88,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">85,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">354<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">412<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">11,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">12,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7673\"></span><span class=\"ps7673\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">2,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps772\">3.139<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.391<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7978 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Corporate Center</span></div><div class=\"ps7979 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Das Corporate Center enth\u00e4lt zentrale Funktionen f\u00fcr die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">BAWAG. Die Gewinn- und Verlustrechnung umfasst daher das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7981 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ergebnis des Fund Transfer Pricing (FTP) als Ergebnis der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7982 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Asset\u00a0&amp; Liability-Management-Funktion, projektbezogene</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7983 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Betriebsausgaben und andere einmalige Posten. Die Bilanz</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7984 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">enth\u00e4lt haupts\u00e4chlich unverzinsliche Verm\u00f6genswerte,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:147.24pt\">Verbindlichkeiten und Eigenkapital.</span><span class=\"f charStyle-34546584 ps7985\" style=\"width:2.36pt\"> </span></div><div class=\"ps7987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Notleidende Kredite</span></div><div class=\"ps7988 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Ausfalldefinition der BAWAG basiert auf Artikel 178 CRR</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps7989 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">und den Leitlinien der EBA (EBA/GL/2016/07) und wurde am</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps7990 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">26. Februar 2020 von der EZB mit der Entscheidung ECB-</span></div><div class=\"ps7991 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">SSM-2020-ATBAW-4 genehmigt. Der Ansatz wurde</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7992 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">anschlie\u00dfend erweitert, um die notleidenden Risikopositionen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7994 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:168.23pt\">nach Artikel 47a CRR zu ber\u00fccksichtigen.</span><span class=\"f charStyle-34546584 ps7993\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps7995 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Basierend auf diesem regulatorischen Ansatz hat BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7996 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">wirtschaftlich notleidende Risikopositionen (\u00f6konomisch NPL)</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7997 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">definiert. Diese unterscheidet sich von der regulatorischen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7998 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Ausfalldefinition dadurch dass Retail &amp; SME-Positionen ohne</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7999 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">materielle R\u00fcckst\u00e4nde in den Ratingklassen 8.1 (&gt; 90 DPD), 8.2</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8000 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(Strukturierungen) und 8.4 (harte und weiche UTP-Trigger) als</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps8001 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">performing Kredite betrachtet werden. In weiterer Folge wird</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps8002 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">f\u00fcr notleidende Kredite die Definition von \u00f6konomisch</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8003 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:176.08pt\">notleidenden Risikopositionen verwendet.</span></div><div class=\"ps8004 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Die folgende Tabelle zeigt die Quote \u00f6konomisch notleidender</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps2585 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kredite (NPL-Quote), Wertberichtigungen, NPL-</span></div><div class=\"ps2586 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertberichtigungsquote und NPL-Besicherungsquote des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2587 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kreditportfolios. Das niedrige Risikoprofil spiegelt sich in der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2588 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">historisch niedrigen NPL-Quote, im niedrigen Volumen an</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8005 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">\u00fcberf\u00e4lligen Forderungen und der erh\u00f6hten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8006 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertberichtigungs- und Besicherungsdeckung \u00fcber das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8007 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">gesamte Portfolio wider. Mehr als 83 % (2024: 87 %) des</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps8008 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Exposures k\u00f6nnen einem Investment-Grade-Rating zugeordnet</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps8009 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden, dies entspricht einem externen Rating zwischen AAA</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps8012 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:35pt\">und BBB</span><span class=\"f charStyle-34546584 ps8010\" style=\"width:2.62pt\">.</span><span class=\"f charStyle-34546584 ps8011\" style=\"width:2.36pt\"> </span></div><div class=\"ps797 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Bilanzielle Gesch\u00e4fte (brutto)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">70.590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">69.353<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps8014\"></span><span class=\"ps8014\">100,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps8014\"></span><span class=\"ps8014\">100,0%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps858 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4022 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">99<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps315 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps316 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps319 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps321 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">307<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps322 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">242<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps323 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps324 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps326 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps627 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps628 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps629 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7673\"></span><span class=\"ps7673\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps630 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7673\"></span><span class=\"ps7673\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2683 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Bilanzielle Gesch\u00e4fte (netto)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">70.090<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">68.985<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2689 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">NPL-Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2262 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Wertberichtungdeckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">55,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">47,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2265 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Deckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7401 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5710\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2266 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">68,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2267 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">70,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2096 ss564\"><div><div class=\"ps4208 ss26\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps4349 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die folgende Tabelle zeigt die NPL-Quote, die NPL-</span></div><div class=\"ps4350 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wertberichtungdeckungsquote und die NPL-Deckungsquote</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4351 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">aufgegliedert in die Segmente Retail &amp; SME und Corporates,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:114.21pt\">Real Estate &amp; Public Sector.</span></div><div class=\"ps8017 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps8015\">Retail &amp; SME</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps624 ss263\"><span class=\"f charStyle-c5fdbd46 ps1758\">Corporates, Real Estate &amp; </span></div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps8016\">Public Sector</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps858 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">NPL-Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,7%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Wertberichtungdeckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4022 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">55,6%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">52,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">43,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">24,0%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Deckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps315 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">68,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps316 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">70,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">54,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">71,3%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps319 ss564\"><div><div class=\"ps4208 ss26\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps8018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Erhaltene Sicherheiten f\u00fcr das NPL-Portfolio</span></div><div class=\"ps8019 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die folgenden Zahlen beziehen sich auf das Brutto-NPL-</span></div><div class=\"ps8021 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:78.6pt\">Exposure (Stufe 3).</span><span class=\"f charStyle-34546584 ps8020\" style=\"width:2.36pt\"> </span></div><div class=\"ps8029 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss184\"><div><div class=\"ps8022 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8023\">NPL Exposure</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-c5fdbd46 ps8024\">Immobilien </span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps8025\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps5775\">Sonstige Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps5458\">Finanzgarantien</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps8025\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8027\">verbesserungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Retail &amp; SME</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3318 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3319 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">92<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3321 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">51<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3322 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8028 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Corporates, Real Estate &amp; Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3546 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-9208d16a ps36\">Gesamtportfolio</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">680<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">98<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3333 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">Die dargestellten Sicherheiten sind Marktwerte.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8035 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss184\"><div><div class=\"ps8022 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8032\">NPL Exposure</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-c5fdbd46 ps8024\">Immobilien </span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps8025\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps5775\">Sonstige Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8033\">Finanzgarantien</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps3206\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8034\">verbesserungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Retail &amp; SME</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3318 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">494<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3319 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">117<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3321 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3322 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8028 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Corporates, Real Estate &amp; Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">107<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3546 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-9208d16a ps36\">Gesamtportfolio</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">601<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">210<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3333 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">Die dargestellten Sicherheiten sind Marktwerte.</span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"i09a461f17cf74621addefd77da42aae9_175\" style=\"position:absolute;top:104.88pt\"></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps2\">I</span><span class=\"f charStyle-b1e544a7 ps8036\">mpairment</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gem\u00e4\u00df IFRS 9 werden die Wertberichtigungen anhand von</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">erwarteten Kreditverluste f\u00fcr alle nicht ausgefallenen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Verm\u00f6genswerte in Stufe 1 und 2 (in Folge als ECL bezeichnet)</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und f\u00fcr alle ausgefallenen finanziellen Verm\u00f6genswerte in<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps1242 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Stufe 3 (in Folge als LLP bezeichnet) berechnet, die zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1049 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">fortgef\u00fchrten Anschaffungskosten (AC) oder FVOCI erfasst</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1050 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden, einschlie\u00dflich Leasingforderungen, Kreditzusagen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1051 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Finanzgarantien sowie Vertragsforderungen gem\u00e4\u00df IFRS 15.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1052 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Einstufung in Stufe 3 wird gem\u00e4\u00df Kapitel \"Notleidende</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1053 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:93.26pt\">Kredite\"\u00a0 angewendet.</span></div><div class=\"ps1055 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das folgende Kapitel ist in f\u00fcnf Unterkapitel unterteilt, um die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1056 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Beurteilung und die Berechnung von Wertminderungen der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:100.48pt\">BAWAG zu beschreiben:</span><span class=\"f charStyle-34546584 ps8037\" style=\"width:2.36pt\"> </span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">1.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:71.6pt\">Stufenzuordnung</span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">2.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:134.89pt\">Berechnung der Wertminderung</span><span class=\"f charStyle-34546584 ps8039\" style=\"width:2.36pt\"> </span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">3.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:226.06pt\">Entwicklung von Buchwerten, Wertminderungen und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps5516\" style=\"width:27.05pt\">Stufen</span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">4.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:202.66pt\">Neuartige Risiken und Post-Modell-Anpassungen</span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">5.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:81.34pt\">Sensitivit\u00e4tsanalyse</span></div></div><span class=\"f charStyle-02ed52cc ps1633\">Stufenzuordnung</span><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Ein wesentlicher Aspekt der Sch\u00e4tzung von Wertminderungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">nach IFRS 9 ist die Einteilung der finanziellen Verm\u00f6genswerte</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">in drei Stufen. Die Stufen 1 und 2 umfassen Verm\u00f6genswerte,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">die als r\u00fcckzahlungsf\u00e4hig angesehen werden, w\u00e4hrend Stufe 3</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">f\u00fcr \u00f6konomisch notleidende Verm\u00f6genswerte (siehe Kapitel</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">\"Notleidende Kredite\") vorgesehen ist. Dar\u00fcber hinaus fallen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">finanzielle Verm\u00f6genswerte, welche bei Erwerb oder</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Kreditvergabe bereits als notleidend identifiziert wurden in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">eine separate Kategorie Purchased or originated as credit-</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">impaired (POCI). Die BAWAG-Gruppe pr\u00fcft die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Stufenzuordnung der Verm\u00f6genswerte zu jedem</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:75.39pt\">Berichtszeitpunkt.</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 1: Erstmalige Erfassung </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Stufe 1 umfasst alle finanziellen Instrumente bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">erstmaliger Erfassung (Ausnahme POCI) und diejenigen, deren</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Kreditrisiko sich seit der Ersterfassung nicht signifikant erh\u00f6ht</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:16.3pt\">hat.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 2: Signifikanter Anstieg des Kreditrisikos (SICR)</span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Finanzinstrumente, bei denen ein signifikanter Anstieg des</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Kreditrisikos seit der erstmaligen Buchung festgestellt wird,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden in Stufe 2 transferiert (Ausnahme POCI). Die SICR-</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Einstufung der Verm\u00f6genswerte wird auf Einzelkontoebene</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:57.31pt\">durchgef\u00fchrt.</span><span class=\"f charStyle-34546584 ps8040\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Transferkriterien von Stufe 1 auf Stufe 2 basieren auf drei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:30.51pt\">S\u00e4ulen:</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:89.13pt\">quantitative Kriterien</span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:82.73pt\">qualitative Kriterien</span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:79.88pt\">Backstop-Kriterium</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die quantitativen Kriterien untersuchen die Verschlechterung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">der Lifetime-PDs seit der erstmaligen Buchung, w\u00e4hrend die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">qualitativen Kriterien zus\u00e4tzliche Informationen \u00fcber die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verm\u00f6genswerte ber\u00fccksichtigen, um einen signifikanten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Anstieg des Kreditrisikos zu beurteilen. Als zus\u00e4tzliches</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Backstop-Kriterium wird in der BAWAG der Zahlungsr\u00fcckstand</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">von 30 Tagen ber\u00fccksichtigt. Wenn eines der Kriterien erf\u00fcllt</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">ist, wird ein Finanzinstrument von Stufe 1 in Stufe 2 \u00fcberf\u00fchrt.</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Ist keines der Transferkriterien erf\u00fcllt, wird der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswert beibehalten oder wieder in Stufe 1</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:50.05pt\">zugeordnet.</span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Quantitative Kriterien</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Ein quantitatives Kriterium untersucht das Kreditrisikoprofil</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:227.63pt\">des finanziellen Verm\u00f6genswerts unter zwei Aspekten:</span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:147.96pt\">der relativen Lifetime-PD-\u00c4nderung</span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:152.39pt\">der absoluten Lifetime-PD-\u00c4nderung</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wenn beide Indikatoren die vorgegebenen Schwellenwerte,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">welche auf Portfolio-Ebene bestimmt werden, \u00fcberschreiten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und auf einen signifikanten Anstieg des Kreditrisikos</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:201.32pt\">hinweisen, wird das Asset in Stufe 2 transferiert.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Qualitative Kriterien</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die von der BAWAG ausgew\u00e4hlten Faktoren f\u00fcr die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:143.83pt\">qualitativen Staging-Kriterien sind:</span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:197.64pt\">Aufnahme in die Watchlist (Non-Retail-Kunden)</span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:164.41pt\">Eintrag in die Warnliste (Retail-Kunden)</span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:163.89pt\">Setzung des Forbearance-Kennzeichens</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wenn einer dieser Faktoren als aktiv gekennzeichnet ist, wird</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:235.95pt\">der finanzielle Verm\u00f6genswert in die Stufe 2 \u00fcbertragen.</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Backstop-Kriterium</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Als Backstop-Kriterium wird in der BAWAG ein</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zahlungsr\u00fcckstand von mehr als 30 Tagen verwendet. Alle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Finanzinstrumente, die mehr als 30 Tage \u00fcberf\u00e4llig sind,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.97pt\">werden in Stufe 2 transferiert, sofern sie nicht schon in Stufe 3</span><span class=\"f charStyle-34546584 ps237\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:19.72pt\">sind.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Stufe 3: Notleidende Verm\u00f6genswerte</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Finanzinstrumente werden gem\u00e4\u00df der Ausfalldefinition f\u00fcr</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">\u00f6konomisch notleidenden Kredite in Stufe 3 eingestuft,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">basierend auf dem Ausfall nach Artikel 178 CRR,\u00a0 bereinigt um</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Retail &amp; SME-Positionen ohne materielle R\u00fcckst\u00e4nde auf</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundenebene f\u00fcr 90-Tage-\u00fcberf\u00e4llige Kredite,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Restrukturierungen bzw. harte und weiche UTP-Trigger. Sobald</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">die Gesundungsperiode ohne R\u00fcckstand beginnt, wird das</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Finanzinstrument in Stufe 2 eingestuft; jedoch f\u00fchrt jeder</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">materielle R\u00fcckstand auf Kundenebene zu einen sofortigen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Transfer nach Stufe 3. Dar\u00fcber hinaus erfolgt die R\u00fcckstufung</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">eines Finanzinstruments in Stufe\u202f1 oder Stufe\u202f2 (gem\u00e4\u00df SICR-</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Klassifizierung), sobald dessen Gesundung nach einem Ausfall</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:166.54pt\">nach Artikel 178 CRR festgestellt wurde.</span></div><span class=\"f charStyle-02ed52cc ps1633\">Berechnung der Wertminderung</span><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Berechnung der Wertminderung von Finanzinstrumenten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">st\u00fctzt sich auf drei grundlegende Parameter:</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ausfallwahrscheinlichkeit (PD \u2013 Probability of Default),</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Verlustquote bei Ausfall (LGD \u2013 Loss Given Default) und</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">ausstehende Kreditsumme bei Ausfall (EAD \u2013 Exposure at</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Default). Diese Parameter bestimmen gemeinsam die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bewertung der erwarteten Kreditverluste und werden mit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Hilfe interner Modelle gesch\u00e4tzt. Wenn vorhanden, bilden die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">aufsichtsrechtlichen, auf internen Ratings basierenden (IRB)</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Risikomodelle, die konzeptionell auf Through-the-Cycle-</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Beobachtungen basieren, den Ausgangspunkt f\u00fcr die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sch\u00e4tzung der Wertminderungsparameter. F\u00fcr</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risikoparameter, f\u00fcr die keine IRB-Risikomodelle eingesetzt</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden, d.h. Standardansatz oder LGDs f\u00fcr F-IRB-Modelle,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden andere interne Modelle und Sch\u00e4tzungen (bspw.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">durch Benchmarking) verwendet. Zur IFRS-9-Konformit\u00e4t</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">werden folgende Anpassungen implementiert: Erweiterung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">des Prognosehorizonts auf die gesamte Kreditlaufzeit,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Transformation der Through-the-Cycle zu Point-in-Time-</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Parametern zur Abbildung aktueller Markttrends sowie</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Integration zukunftsgerichteter Informationen in die ECL-</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Berechnung. Die Parameter werden in allen drei Stufen (au\u00dfer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">bei Stufe 3 Corporate Customers, wo ein individuelles</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Assessment durchgef\u00fchrt wird) angewandt, aber ihre</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Anwendung in der endg\u00fcltigen Wertminderungsberechnung</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">unterscheidet sich je nach Stufe des einzelnen finanziellen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:73.06pt\">Verm\u00f6genswerts.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">F\u00fcr die Ermittlung der Risikoparameter f\u00fcr die Gesamtlaufzeit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">f\u00fcr Portfolios mit unterschiedlichen zugrunde liegenden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Risiken werden separate Modelle und Sch\u00e4tzungen entwickelt.</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Genauigkeit der Modelle wird durch j\u00e4hrliche interne</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:230.19pt\">Modellvalidierung kontinuierlich und rigoros \u00fcberpr\u00fcft.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Lifetime-Risikoparameter nach IFRS 9 bestehen aus einer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zyklus\u00fcbergreifenden (Through-the-Cycle) und einer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zeitpunktbezogenen (Point-in-Time) Komponente, welche</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vorrausschauende Informationen (Forward-looking-</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Information) ber\u00fccksichtigt. Die Through-the-Cycle-</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Komponente erfasst die idiosynkratischen Risiken der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Finanzinstrumente, die im Zeitablauf stabil sind und durch den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">langfristigen Durchschnitt der Risikoparameter gemessen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden. Die zeitpunktbezogene Komponente misst die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">systematischen Risiken, die in der Regel durch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">makro\u00f6konomische Prognosen und den Kreditrisikozyklus des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:123.76pt\">Portfolios dargestellt werden.</span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Exposure bei Ausfall (EAD)</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Das Lifetime-Exposure at Default misst den erwarteten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Forderungsbetrag zum Zeitpunkt des Ausfalls. Bei Krediten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">wird der Betrag als Summe der diskontierten zuk\u00fcnftigen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Cashflows gesch\u00e4tzt, die die Bank erwartungsgem\u00e4\u00df erh\u00e4lt.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">F\u00fcr revolvierende Produkte ist EAD eine Summe der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">erwarteten in Anspruch genommenen Zusagen zum Zeitpunkt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">des Ausfalls. Die zum Zeitpunkt des Ausfalls erwarteten in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Anspruch genommenen Betr\u00e4ge werden durch den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kreditkonversionsfaktor (CCF) approximiert, der auf der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Grundlage der historisch beobachteten in Anspruch</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:163.23pt\">genommenen Zusagen modelliert wird.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Ausfallwahrscheinlichkeit (PD)</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.04pt\">Die Lifetime-Ausfallwahrscheinlichkeit ist die Wahrscheinlichkeit</span><span class=\"f charStyle-7973db00 ps192\" style=\"width:2.26pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.01pt\">der Zahlungsunf\u00e4higkeit des Kunden \u00fcber die Laufzeit des</span><span class=\"f charStyle-7973db00 ps212\" style=\"width:2.26pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.03pt\">Finanzinstruments. Die Through-the-Cycle-Komponente der PD</span><span class=\"f charStyle-7973db00 ps205\" style=\"width:2.26pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.05pt\">wird durch das langfristige durchschnittliche</span><span class=\"f charStyle-7973db00 ps208\" style=\"width:2.26pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.04pt\">Migrationverhaltens der Ratings abgeleitet und prim\u00e4r anhand</span><span class=\"f charStyle-7973db00 ps192\" style=\"width:2.26pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:140.45pt\">von Migrationsmatrizen gesch\u00e4tzt.</span><span class=\"f charStyle-7973db00 ps8041\" style=\"width:2.26pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Verlust bei Ausfall (LGD)</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Der Lifetime-Verlust bei Ausfall stellt den erwarteten Verlust</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der Bank dar, wenn die finanziellen Verm\u00f6genswerte</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">ausgefallen sind. Er wird auf der Grundlage historischer</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verlustquoten gesch\u00e4tzt, wobei Faktoren wie Gesundung,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sicherheiten, Barzahlungen und andere Quellen der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Verwertung ber\u00fccksichtigt werden. Diese diskontierten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">R\u00fcckfl\u00fcsse werden mit dem erwarteten Exposure at Default</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">w\u00e4hrend der Laufzeit des finanziellen Verm\u00f6genswerts</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">verglichen. Dies erm\u00f6glicht, den erwarteten Verlust im Falle</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">eines Ausfalls zu verstehen, wobei ber\u00fccksichtigt wird, wie</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">sich die Erl\u00f6sfaktoren, z.B. Werte von Sicherheiten, w\u00e4hrend</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:257.37pt\">der Lebensdauer des finanziellen Verm\u00f6genswerts ver\u00e4ndern.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Zukunftsgerichtete Informationen f\u00fcr Point-in-Time-</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Anpassung</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die Parameter f\u00fcr den erwarteten Kreditverlust sind von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zukunftsgerichteten Informationen abh\u00e4ngig. Daher werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">diese Parameter auf der Grundlage der vorherrschenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">makro\u00f6konomischen Bedingungen und ihrer Prognosen zu</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">jedem Zeitpunkt angepasst. So h\u00e4ngen beispielsweise die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Prognosen f\u00fcr die Wertentwicklung von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Immobiliensicherheiten von der Vorhersage des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Immobilienpreisindexes ab, und die Beziehung zwischen der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ausfallwahrscheinlichkeit und makro\u00f6konomischen Faktoren,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.06pt\">wie dem Bruttoinlandsprodukt oder Arbeitslosigkeit, wird</span><span class=\"f charStyle-e63b9797 ps190\" style=\"width:2.11pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.06pt\">bewertet und prognostiziert. Zur Gew\u00e4hrleistung einer objektiven</span><span class=\"f charStyle-e63b9797 ps190\" style=\"width:2.11pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262pt\">und marktgerechten Datenbasis greift das Institut hierbei auf die</span><span class=\"f charStyle-e63b9797 ps186\" style=\"width:2.11pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.03pt\">etablierten makro\u00f6konomischen Szenarien von Moody\u2019s Analytics</span><span class=\"f charStyle-e63b9797 ps205\" style=\"width:2.11pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:28.16pt\">zur\u00fcck.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG verwendet f\u00fcr ihre makro\u00f6konomischen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Prognosen ein Set von drei Szenarien: 26% pessimistisch, 45%</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Baseline und 29% optimistisch. Die Gewichtung wird mithilfe</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">eines statistischen Ansatzes abgeleitet, der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wahrscheinlichkeitsgewichtungen aus dem Schweregrad der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">gegebenen Szenarien ermittelt und als Anteil der m\u00f6glichen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zuk\u00fcnftigen Ergebnisse zu verstehen ist, den das jeweilige</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:74.93pt\">Szenario darstellt.</span><span class=\"f charStyle-34546584 ps8042\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Szenarien basieren auf einem bereitgestellten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Basisszenario, das als zentrale makro\u00f6konomische Referenz</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">(\u201eBaseline\u201c) dient. Ausgehend von dieser Grundlage werden</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">die weiteren Szenarien entwickelt und zur Verf\u00fcgung gestellt.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Diese werden unter Ber\u00fccksichtigung des jeweiligen Szenario-</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Narrativ ermittelt. Das makro\u00f6konomische Szenario-Komitee</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">pr\u00fcft alle Szenarien und erteilt die finale Genehmigung. Von</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">allen makro\u00f6konomischen Variablen verwendet die BAWAG</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">das BIP-Wachstum als Hauptquelle f\u00fcr zukunftsgerichtete</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Informationen, die in den ECL-Sch\u00e4tzungen ber\u00fccksichtigt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden, wobei zus\u00e4tzliche Variablen wie Inflation,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Arbeitslosenquote oder Immobilienpreise eine erg\u00e4nzende</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:55.35pt\">Rolle spielen.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Makro\u00f6konomische Prognose f\u00fcr den Euroraum und US,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:138.84pt\">angewendet f\u00fcr ECL-Berechnung:</span><span class=\"f charStyle-34546584 ps8043\" style=\"width:2.36pt\"> </span></div><div class=\"ps3714 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:12pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6940 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">Euroraum BIP-Wachstum 31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps8044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8045 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8046 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8047 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8048 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps8049 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1334 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8053 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">Euroraum BIP-Wachstum 31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8054 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:12pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6940 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">US BIP-Wachstum 31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps8044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8045 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8046 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8047 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8048 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps8049 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1334 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8055 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:12pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6940 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">US BIP-Wachstum 31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8045 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8046 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8047 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8048 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8049 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1334 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 1 &amp; 2: Erwarteter Kreditverlust (ECL)</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die erwarteten Kreditverluste werden f\u00fcr jedes Gesch\u00e4ft</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">einzeln auf Basis der Parameter PD, LGD und EAD berechnet.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die BAWAG wendet ein wahrscheinlichkeitsgewichtetes</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">erwartetes Ergebnis unter drei verschiedenen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">makro\u00f6konomischen Szenarien an, die mit entsprechenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gewichten aggregiert werden, um eine endg\u00fcltige ECL-</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Sch\u00e4tzung zu erstellen. Die Verteilung auf drei Szenarien</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">erm\u00f6glicht es der Bank, ein breites Spektrum an</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zukunftserwartungen abzudecken, und wurde im Rahmen der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:230.7pt\">Branchenstandards als am besten geeignet ausgew\u00e4hlt.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 1: 12-Monats-ECL</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Horizont der Berechnung des erwarteten Kreditverlusts f\u00fcr</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Stufe 1 ist bis zu einem Jahr nach dem Stichtag, unter</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der\u00a0Ber\u00fccksichtigung der vorausschauenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Ausfallswahrscheinlichkeit, des Verlusts bei Ausfall und der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:182.35pt\">Exposure-Struktur innerhalb dieser Periode.</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 2: Lifetime-ECL</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">F\u00fcr Finanzinstrumente in Stufe 2 werden die erwarteten</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Kreditverluste wie bei Stage 1 berechnet, jedoch der Horizont</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">f\u00fcr die erwarteten Kreditverluste ist erweitert bis zum Ende</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:126.13pt\">der Laufzeit des Instrumentes.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 3: Wertberichtigungen (LLP)</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bei Retail-, KMU- und nicht signifikanten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Unternehmenskunden erfolgt die Berechnung der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wertberichtigungen automatisiert anhand interner Modelle.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Diese st\u00fctzen sich auf historisch beobachtete Ausfall- und</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Eintreibungsinformationen, die Dauer des jeweiligen Ausfalls</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:178.58pt\">sowie LTV-Werte bei Hypothekendarlehen.</span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Demgegen\u00fcber unterliegen Engagements gegen\u00fcber</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">signifikanten Unternehmenskunden, Finanzinstituten und der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">\u00f6ffentlichen Hand einer individuellen Risikoanalyse. Um</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">etwaige Verlustereignisse zu identifizieren, werden in</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">regelm\u00e4\u00dfigen Abst\u00e4nden aktuelle Informationen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">kontrahentenbezogene Faktoren gepr\u00fcft. Hierzu z\u00e4hlen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">insbesondere erhebliche finanzielle Schwierigkeiten des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Schuldners oder Vertragsbr\u00fcche, wie etwa der Verzug oder</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:168.47pt\">Ausfall von Zins- und Tilgungsleistungen.</span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">In der Kompetenz- und Pouvoirordnung ist der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Genehmigungsvorgang f\u00fcr die Abschreibung und den Verzicht</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">geregelt. Ausbuchungen erfolgen in Abstimmung mit den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">jeweiligen Fachbereichen, wenn alle zumutbaren</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bestrebungen, die Forderung einzutreiben, ergebnislos</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">verlaufen sind oder wenn keine Absicht besteht, die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.17pt\">Betreibung aktiv fortzusetzen.</span></div><span class=\"f charStyle-02ed52cc ps1633\">Entwicklung von Buchwerten, Wertminderungen und </span><div class=\"ps187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps1633\">Stufen <span class=\"f ps37\"> </span></span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die folgende Tabelle gibt einen \u00dcberblick f\u00fcr die Entwicklung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der IFRS-Buchwerte (netto, abz\u00fcglich Wertberichtigungen)</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:111.32pt\">\u00fcber die jeweiligen Stufen:</span></div><div class=\"ps2555 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung von Buchwerten nach Stufe</span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss572\"><div><div class=\"ps8056 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3584 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss573\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1336\">Er\u00f6ffnungsbil<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8057\">anz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8058\">Erh\u00f6hungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8060\">Originierung </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8061\">und Erwerb</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss573\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4377\">R\u00fcckg\u00e4nge <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8062\">R\u00fcckzahlung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8063\">\u00c4nderungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8064\">an </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8065\">existierenden </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8066\">Buchwerten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss573\"><div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps3137\">Schlussbilanz<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps854 ss574\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der Stufe 1<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4418 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps684\">63.063<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4419 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.881<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4420 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4421 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.642<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4422 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps684\">65.690<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5542 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5544 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">31.937<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5545 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.344<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5546 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.717<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5547 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.411<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5548 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.154<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3623 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8067 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">12.686<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8068 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.408<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8069 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.297<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8070 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.257<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3626 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">13.541<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6839 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8071 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">18.421<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8072 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6844 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.591<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6845 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-3.972<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6846 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.982<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3590 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8073 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">17<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8074 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8075 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8076 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8077 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps631 ss574\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der Stufe 2<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2086 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.928<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps632 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">357<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps633 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps623\">-156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps634 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps708\">-63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps635 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.066<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1718 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4442 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.458<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4443 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">355<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4444 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-111<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1719 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-144<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1721 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.558<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5282 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8078 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">469<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8079 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8080 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-44<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8081 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">81<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8082 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">508<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3598 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8083 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8084 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8085 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8086 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8087 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps659 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8088 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps660 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps661 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps663 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps664 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2699 ss574\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der Stufe 3<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2700 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">571<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2701 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps650\">77<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2702 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps623\">-125<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2703 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2704 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">619<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps907 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8089 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">468<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8090 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">72<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8091 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8092 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">82<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8093 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">587<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps120 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8094 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">103<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8095 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8096 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-88<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8097 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8098 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5584 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5585 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5586 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5587 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4136 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2729 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2730 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2731 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2732 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2733 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2734 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3752 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8099 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps650\">54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8100 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps622\">211<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8101 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8102 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8103 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps622\">251<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2374 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8104 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8105 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">211<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5677 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2375 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2376 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">248<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2166 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2169 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2170 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2171 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2172 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2173 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6929 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8106 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8107 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8108 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8109 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8110 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8111 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8112 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8113 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8114 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8115 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8116 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2307 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8117 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">65.616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8118 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">18.526<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8119 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.895<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2309 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.620<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2310 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">68.626<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8120 ss575\"><div><div class=\"ps4208 ss17\"><span class=\"f charStyle-5ee25b5a ps36\">Nur IFRS-9-relevante Buchwerte werden gezeigt.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Entwicklung von Wertminderungen nach Stufe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss572\"><div><div class=\"ps8056 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3584 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss573\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1336\">Er\u00f6ffnungsbil<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8057\">anz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8058\">Erh\u00f6hungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8060\">Originierung </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8061\">und Erwerb</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss573\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4377\">R\u00fcckg\u00e4nge <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8062\">R\u00fcckzahlung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8063\">\u00c4nderungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8064\">an </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8065\">existierenden </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8066\">Buchwerten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss573\"><div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps3137\">Schlussbilanz<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps854 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Wertberichtigungen Stufe 1 (ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4418 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4419 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">62<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4420 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4421 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4422 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3800 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8121 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8122 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6182 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8123 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8124 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">88<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3586 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8125 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8126 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6186 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8127 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8128 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2065 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2068 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2069 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2070 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2071 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2072 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2073 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2076 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2077 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2078 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2079 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3590 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Wertberichtigungen Stufe 2 (ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8073 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8074 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8075 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8076 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8077 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3592 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8129 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">61<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8130 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8131 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8132 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">98<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3594 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8137 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1355 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8142 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8143 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps746 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8144 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps747 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps748 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps749 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps750 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3598 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Wertberichtigungen Stufe 3 (ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8083 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">242<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8084 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8085 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8086 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">53<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8087 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">308<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3600 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8145 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">219<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8146 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">43<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8147 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8148 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">52<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8149 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">295<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7457 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8151 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8152 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8153 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8154 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5437 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8155 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8156 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8157 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8158 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8159 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5502 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8160 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8161 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8162 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8163 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8164 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps120 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8094 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8098 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8165 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8166 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8167 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1115 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1116 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1118 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8168 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8169 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8170 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8171 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8172 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8173 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8174 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8175 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8176 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8177 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8178 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8179 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8180 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8181 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8182 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8183 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8184 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8185 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3755 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8186 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8187 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">133<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8188 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8189 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8190 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8191 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die folgende Tabelle gibt einen \u00dcberblick \u00fcber den Transfer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8192 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:239.69pt\">von Wertminderung zwischen Stufen im Laufe des Jahres:</span></div><div class=\"ps8199 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Transfer von Wertminderungen zwischen Stufen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">34<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8200 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Transfer von Wertminderungen zwischen Stufen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Ratingverteilung von Buchwerten nach Stufen</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die folgenden Zahlen beziehen sich auf IFRS-Buchwerte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:197.56pt\">(abz\u00fcglich der Vorsorgen f\u00fcr die Stufen 1 bis 3).</span></div><div class=\"ps3127 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:153pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"19\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss576\"><div><div class=\"ps6608 ss3\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps4269 ss3\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8203 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8204 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4477 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8205 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8206 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8207 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps3026\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps4875\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2548 ss579\"><div><div class=\"ps624 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 1</span></div><div class=\"ps1792 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8208 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps6383\">19.424<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7694 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8209\">7.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8210 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8209\">9.770<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8211 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps6383\">20.355<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8212 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8209\">7.867<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7697 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8213\">459<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8215 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8214\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8217 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8218 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps6383\">65.690<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2941 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8220 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.002<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8221 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">3.907<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8222 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">8.504<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8223 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">15.689<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8224 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">6.536<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8225 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">458<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8226 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8227 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8228 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">36.154<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2944 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8229 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">4.077<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8230 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">3.030<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8231 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.003<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8232 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">4.124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8233 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.304<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8235 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8236 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8237 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8238 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">13.541<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2891 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8239 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">14.345<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8240 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">819<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8241 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">255<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8242 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">537<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8243 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8244 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8245 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8246 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8247 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">15.982<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6839 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8248 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8249 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8250 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8251 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8252 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6844 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8253 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8254 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8255 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7431 ss583\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 2</span></div><div class=\"ps2567 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8256 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8257 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8214\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8258 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8214\">57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8259 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">290<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8260 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">754<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8261 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">544<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8262 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">400<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8263 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8264 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8209\">2.066<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps884 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8265 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4229 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8266 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8267 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">204<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8268 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">407<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4232 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">471<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8269 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">397<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8270 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8271 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.558<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1094 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8272 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4235 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8273 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8274 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">85<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8275 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">347<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1095 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">73<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8276 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8277 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8278 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">508<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1098 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8279 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4238 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8280 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8281 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8282 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1099 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8283 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8284 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8285 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1102 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8286 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8287 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8288 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8289 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8290 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1103 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8291 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8292 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8293 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3251 ss583\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 3</span></div><div class=\"ps2567 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8294 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8295 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8296 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8297 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8298 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5718 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8299 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8300 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">619<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8301 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">619<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps907 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8302 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8303 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8304 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8305 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8306 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8091 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8307 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8308 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">587<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8309 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">587<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5298 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8310 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8311 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8312 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8313 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8314 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8315 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8316 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8317 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">33<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8318 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5301 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8319 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8320 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8321 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8322 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8323 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8324 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8325 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8326 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8327 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5304 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8328 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8329 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8330 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8331 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8332 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8333 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8334 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8335 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8336 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8337 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8338 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8339 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8340 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8234\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8341 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8342 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">86<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8343 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8344 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">56<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8345 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8213\">251<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4699 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8346 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8347 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8348 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8349 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8350 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8351 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">85<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8352 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8353 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8354 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">248<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5312 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8355 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8356 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8357 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8358 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8359 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8360 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8361 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8362 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8363 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5317 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8364 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8365 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8366 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8367 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8368 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8369 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8370 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8371 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8372 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4813 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8373 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8374 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8375 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8376 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8377 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8378 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8379 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8380 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8381 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7056 ss585\"><div><div class=\"ps6145 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8382 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps6383\">19.424<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8383 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">7.778<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8384 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">9.827<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8385 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps6383\">20.645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8386 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">8.697<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8387 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">1.089<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8388 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8213\">490<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8389 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8213\">676<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8390 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps6383\">68.626<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8391 ss587\"><div><div class=\"ps4208 ss3\"><span class=\"f charStyle-5ee25b5a ps36\">Nur IFRS-9-ECL-relevante Buchwerte werden gezeigt.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div></div><div class=\"ps797 ss0\"><div class=\"ss518 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:155.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"19\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss589\"><div><div class=\"ps4211 ss588\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss588\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8395 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8396 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8397 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4477 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8398 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2544 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8399 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8400 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8403 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8401\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8402\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss592\"><div><div class=\"ps40 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 1</span></div><div class=\"ps2027 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8405 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8404\">20.705<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8407 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">6.699<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8408 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">7.877<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4489 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8404\">21.655<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8409 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">5.669<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8410 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">365<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8411 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3438\">93<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8412 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8413 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8404\">63.063<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2941 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8414 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">970<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8415 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">3.705<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8416 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">6.283<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8223 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">16.265<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8417 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">4.258<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8418 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">364<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8419 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">93<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8420 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8421 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">31.937<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2944 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8422 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">3.207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8423 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">2.155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8424 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">1.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8232 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">4.837<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8425 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">1.316<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8427 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8428 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8429 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8430 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">12.686<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2891 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8431 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">16.529<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8432 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">829<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8433 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">417<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8242 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">552<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8434 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8435 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8436 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8437 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8438 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">18.421<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6839 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8439 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8440 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8441 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8251 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8442 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8443 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8444 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8445 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8446 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">17<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7431 ss592\"><div><div class=\"ps40 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 2</span></div><div class=\"ps2027 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8447 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8448 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8449 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8259 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8450 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8451 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">466<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8452 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">387<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8453 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8454 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">1.928<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2770 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8455 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8456 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8457 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8458 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">286<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8459 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">347<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8460 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">408<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8461 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">385<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8462 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8463 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">1.458<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps888 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8464 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8465 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8466 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8467 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">167<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8468 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">243<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8469 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8470 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8471 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8472 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">469<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2775 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8473 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8474 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8475 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8476 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8477 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8478 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8479 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8480 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8481 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2778 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8482 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8483 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8484 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8485 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8486 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8487 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8488 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8489 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8490 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1106 ss592\"><div><div class=\"ps40 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 3</span></div><div class=\"ps2027 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8491 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8492 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8493 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8494 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8495 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8496 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8497 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8498 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">571<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8499 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">571<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps678 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8500 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8501 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8502 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8503 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8504 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8505 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8506 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8507 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">468<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8508 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">468<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps683 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8509 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8510 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8511 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8512 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8513 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8514 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8515 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8516 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">103<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8517 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">103<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8518 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8519 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8520 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8521 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8522 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8523 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8524 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8525 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8526 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8527 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8528 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8529 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8530 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8531 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8532 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8533 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8534 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8535 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4144 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8536 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8537 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3438\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8538 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8539 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8540 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8426\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8541 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8426\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8542 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8426\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8543 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3438\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8544 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3438\">54<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8545 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8546 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8547 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8548 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8549 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8550 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8551 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8552 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8553 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">50<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5603 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8554 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8555 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8556 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8557 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8558 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8559 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8560 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8561 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8562 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5610 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8563 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8564 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8565 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8566 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8567 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8568 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8569 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8570 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8571 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8572 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8573 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8574 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8575 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8576 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8577 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8578 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8579 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8580 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8581 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8582 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8583 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8404\">20.705<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8584 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8406\">6.733<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8585 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8406\">7.893<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8586 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8404\">22.107<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8587 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8406\">6.259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8588 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps7398\">838<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8589 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps7398\">486<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8590 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps7398\">594<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8591 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8404\">65.616<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8592 ss596\"><div><div class=\"ps4208 ss588\"><span class=\"f charStyle-5ee25b5a ps36\">Nur IFRS-9-ECL-relevante Buchwerte werden gezeigt.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><span class=\"f charStyle-02ed52cc ps1633\">Neuartige Risiken und Post-Modell-Anpassungen</span><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">BAWAGs ECL-Berechnungen basieren auf historischen Daten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und beobachteten Zusammenh\u00e4ngen, um die k\u00fcnftige</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Entwicklung der erwarteten Kreditverluste vorherzusehen.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Allerdings kann die vollst\u00e4ndige Erfassung von bestimmten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risiken in historischen Datens\u00e4tzen eingeschr\u00e4nkt sein, sodass</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">diese m\u00f6glicherweise au\u00dferhalb des Umfangs der Modelle</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">liegen. Dies betrifft vor allem neuartige Risiken wie</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">geopolitische Unsicherheiten, klimarelevante</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Herausforderungen, Lieferkettenunterbrechungen, Pandemien</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">sowie abrupte Inflations- und Zinssatz-Schwankungen. Daher</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wendet der Konzern ein Framework an, das proaktiv solche</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:62.5pt\">Risiken erfasst.</span><span class=\"f charStyle-34546584 ps8594\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG ist bestrebt, ihre ECL-Modelle laufend</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">weiterzuentwickeln, um sicherzustellen, dass sie die sich stetig</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">\u00e4ndernden Wirtschafts- und Marktbedingungen weiterhin</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">angemessen und pr\u00e4zise widerspiegeln. Diese Anpassungen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">umfassen eine regelm\u00e4\u00dfige \u00dcberarbeitung und Rekalibrierung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:219.14pt\">der PD-, LGD- und CCF-Modelle f\u00fcr alle Assetklassen.</span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Dar\u00fcber hinaus hat die BAWAG ein systematisches Verfahren</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zur Identifizierung der besagten neuartiger Risiken und zur</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Bewertung ihrer m\u00f6glichen Auswirkungen auf verschiedene</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Portfolios etabliert. Dieser Prozess wird kontinuierlich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">angewendet, um festzustellen, ob Ma\u00dfnahmen wie Post-</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Modell-Anpassungen oder kollektive Stufen\u00e4nderung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">notwendig sind. In diesem Zusammenhang wurden keine</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sch\u00e4tzunsicherheiten, die zus\u00e4tzliche Ma\u00dfnahmen erfordern,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:50.68pt\">identifiziert.</span></div><span class=\"f charStyle-02ed52cc ps8596\">Sensitivit\u00e4tsanalyse</span><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die folgende Tabelle veranschaulicht den gewichteten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erwarteten Kreditverlust sowie die Ergebnisse der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Sensitivit\u00e4tsanalyse, bei der die ECLs unter jedem Szenario mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">einer Gewichtung von 100% gemessen werden. Die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sensitivit\u00e4tsanalyse basiert auf dem kalkulierten ECL von</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:47pt\">202\u00a0Mio. \u20ac.</span><span class=\"f charStyle-34546584 ps8597\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Ergebnisse der Sensitivit\u00e4tsanalyse variieren von einem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">ECL-R\u00fcckgang von -47 Mio. \u20ac, wenn das optimistische Szenario</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">mit 100% gewichtet wird, bis zu einer ECL-Erh\u00f6hung von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">83\u00a0Mio. \u20ac, wenn das pessimistische Szenario mit 100%</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:67.28pt\">gewichtet wird..</span></div><div class=\"ps8605 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss288\"><div><div class=\"ps281 ss287\"><span class=\"f charStyle-c5fdbd46 ps8598\">ECL-Szenario-\u00c4nderungen</span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss597\"><div><div class=\"ps2640 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps296 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2057\">ECL Total<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2058\">Optimistisch</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8600\">Baseline</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8601\">Pessimistisch</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2885 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Stufe 1 &amp; Stufe 2 Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8602 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">202<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8603 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8604 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5541 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">83<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8606 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss288\"><div><div class=\"ps281 ss287\"><span class=\"f charStyle-c5fdbd46 ps8598\">ECL-Szenario-\u00c4nderungen</span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss597\"><div><div class=\"ps2640 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps296 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2057\">ECL Total<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2058\">Optimistisch</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8600\">Baseline</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8601\">Pessimistisch</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2885 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Stufe 1 &amp; Stufe 2 Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8602 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">118<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8603 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8604 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5541 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps2852\">Marktrisiko</span><div class=\"ps8608 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Das Marktrisiko ist definiert als Risiko eines Verlustes infolge</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps8609 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">offener Risikopositionen am Markt und einer ung\u00fcnstigen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps8610 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Entwicklung der Marktrisikofaktoren (Zinss\u00e4tze, Wechselkurse,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps8611 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aktienkurse, Volatilit\u00e4ten, Credit Spreads). Ein Marktrisiko</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps8612 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">kann im Zusammenhang mit Trading- und mit Nicht-Trading-</span></div><div class=\"ps8613 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:89.86pt\">Aktivit\u00e4ten auftreten.</span></div><div class=\"ps8614 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die BAWAG hat einen klar definierten Marktrisikoappetit. Alle</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps8615 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">damit verbundenen Risiken (sowohl aus \u00f6konomischer Sicht</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8616 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">als auch in Bezug auf die Risiken in IFRS-Fair-Value-</span></div><div class=\"ps8617 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bilanzierungskategorien \u2013 Gewinn- und Verlustrechnung sowie</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps8618 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Sonstiges Ergebnis) werden auf Konzernebene strategisch</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps8619 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">gesteuert. Alle Tochtergesellschaften der Gruppe halten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps8620 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">grunds\u00e4tzlich keine offenen Marktrisikopositionen, da das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8621 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundengesch\u00e4ft (z.B. Kredite und Einlagen), die Anlageb\u00fccher</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8622 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">sowie die eigenen Emissionen gem\u00e4\u00df der ALM-Hedging Policy</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps8623 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">vollst\u00e4ndig abgesichert werden. Alle offenen Risikopositionen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8624 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">unterliegen der Genehmigung des strategischen Asset Liability</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8625 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:237.61pt\">Committee und werden separat gemessen und berichtet.</span></div><div class=\"ps8626 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die Hauptkomponenten des Marktrisikos der BAWAG sind</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8627 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zinsrisiko und Credit-Spread-Risiko. Beide Risikoarten werden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps8628 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">auf Basis eines Sensitivit\u00e4ts- und eines Value-at-Risk-Ansatzes</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps8629 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(VaR) sowie von Szenarienrechnungen gemessen und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8630 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">\u00fcberwacht. Die bilanzielle Behandlung der Positionen wird</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps8631 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:188.98pt\">zus\u00e4tzlich in den Risikoreports ber\u00fccksichtigt.</span></div><div class=\"ps8632 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Das prim\u00e4re Gremium f\u00fcr die Behandlung von Marktrisiken ist</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps8633 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">das strategische Asset Liability Committee (S-ALCO), welches</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8634 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">quartalsweise tagt. Zus\u00e4tzlich werden marktrisikobezogene</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8635 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Themen in w\u00f6chentlichen Vorstandssitzungen (MB) behandelt,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">in denen auch der gesamte Vorstand vertreten ist. Der Umfang</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">umfasst alle strategischen zins-, fremdw\u00e4hrungs- und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">liquidit\u00e4tsrisikobehafteten Gesch\u00e4ftsm\u00f6glichkeiten mit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Diskussionen \u00fcber deren Auswirkungen auf Risiko-, Ertrags-</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">und Bilanzziele. Die gew\u00fcnschte Bilanz- und Risikostruktur</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">wird unter Ber\u00fccksichtigung von Zins-, Fremdw\u00e4hrungs- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:192.82pt\">Liquidit\u00e4tslimiten f\u00fcr das Bankbuch festgelegt.</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Marktrisiko im Handelsbuch</span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die BAWAG f\u00fchrt kein Handelsbuch. Derzeit sind keine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:215pt\">Handelsaktivit\u00e4ten f\u00fcr die gesamte Gruppe geplant.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Marktrisiko im Bankbuch</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die wesentlichen Komponenten des Marktrisikos der BAWAG</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:211.4pt\">resultieren aus Zinsrisiko und Credit-Spread-Risiko.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Zinsrisiko im Bankbuch</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Das Zinsrisiko im Bankbuch ist der potenzielle Verlust, der sich</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aus Nettover\u00e4nderungen der Verm\u00f6genswerte und der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">k\u00fcnftigen Entwicklung des Nettozinsertrags infolge von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:160.52pt\">ung\u00fcnstigen Zinsentwicklungen ergibt.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Das Strategische Asset Liability Committee (S-ALCO) hat dem</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bereich Treasury &amp; Markets Zinsrisiko-Limite zugeteilt, um das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zins\u00e4nderungsrisiko im Sinne eines optimalen Risk/Return-</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verh\u00e4ltnisses auf Konzernebene zu steuern. Der Enterprise</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risk Management &amp; Analytics Bereich berichtet dem Vorstand</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">teilweise t\u00e4glich sowie monatlich auf Konzernebene mit</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">unterschiedlichen steuerungsrelevanten granularen Details</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:176.55pt\">\u00fcber Limitauslastung und Risikoverteilung.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die durch das S-ALCO vorgegebene Zielzinsrisikostruktur wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">durch den Bereich Treasury &amp; Markets implementiert. Die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:197.25pt\">BAWAG verwendet Zinssteuerungsderivate zur:</span></div><div class=\"ps1570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Umsetzung der Zinsrisikostrategie im Rahmen der durch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:184.34pt\">das S-ALCO definierten Vorgaben und Limite</span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Steuerung der Sensitivit\u00e4t des Bewertungsergebnisses und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:117.63pt\">der Neubewertungsr\u00fccklage</span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Absicherung der \u00f6konomischen Risikoposition unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:181.06pt\">Ber\u00fccksichtigung der bilanziellen Abbildung</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Die BAWAG wendet Hedge Accounting gem\u00e4\u00df IAS 39 an.</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Derzeit werden folgende Fair-Value-Hedge-Accounting-</span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:242.22pt\">Methoden zur Absicherung von Marktrisiken angewendet:</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Micro-Fair-Value-Hedge</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Absicherung von finanziellen Verm\u00f6genswerten oder</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">finanziellen Verbindlichkeiten gegen \u00c4nderungen ihres</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">beizulegenden Zeitwerts. Die Entscheidung, welches</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Instrument in das Mikro-Hedge-Accounting aufgenommen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:256.07pt\">wird, wird im Kontext der Gesamtzinsrisikoposition getroffen.</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Portfolio-Fair-Value-Hedge (\u201eEU-Carve-out\u201c</span><span class=\"f charStyle-8bc56e46 ps8636\">)</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die BAWAG hat Sichteinlagen in Euro als ein Portfolio</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">identifiziert, das gegen Zinsrisiken abgesichert werden soll.</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Diese Einlagen sind entsprechend den erwarteten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">R\u00fcckzahlungs- und Zinsanpassungsterminen in Laufzeitb\u00e4nder</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">unterteilt. Die BAWAG bestimmt aus dem identifizierten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Portfolio einen Betrag an Verbindlichkeiten, der dem Betrag</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">entspricht, der als Basis f\u00fcr den Portfolio-Fair-Value-Hedge</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:205.64pt\">abgesichert werden soll, wobei ein Bottom</span><span class=\"f charStyle-5a2826df ps8637\" style=\"width:56.4pt\"><span style=\"background-color:inherit\">-Layer-Ansatz</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:192.82pt\"><span style=\"background-color:inherit\">verwendet wird. Per 31.12.2025 waren 46% </span></span><span class=\"f charStyle-34546584 ps8638\" style=\"width:69.24pt\">(2024: 39%) des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gesamtvolumens der Sichteinlagen dem Portfolio-Fair-Value-</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:73.04pt\">Hedge gewidmet.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Dar\u00fcber hinaus werden vertraglich vereinbarte Zinsober- und/</span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">oder Untergrenzen, die in finanzielle Verm\u00f6genswerte (z.B.</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Darlehensforderungen oder Wertpapiere) und/oder</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Verbindlichkeiten (z.B. Spareinlagen) eingebettet sind, in eine</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Portfolio-Fair-Value-Hedge-Beziehung gewidmet, um diese</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Instrumente gegen \u00c4nderungen des beizulegenden Zeitwerts</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aufgrund von Zins\u00e4nderungen abzusichern. Die Entscheidung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">\u00fcber den Betrag, der in die Bilanzierung der Fair-Value-Hedge-</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Beziehung einbezogen werden soll, wird unter Anwendung</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">eines Bottom-Layer-Ansatzes und im Kontext der Steuerung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">der Zinsrisikoposition unter Einhaltung der definierten Limite</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:41.6pt\">getroffen.</span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Das Zinsrisiko wird anhand von Sensitivit\u00e4ten basierend auf</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">dem PVBP-Konzept gemessen. Der PVBP, der aus der Duration</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zinstragender Finanzinstrumente abgeleitet ist, gibt die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Ver\u00e4nderung des Nettobarwerts infolge einer parallelen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Verschiebung der Zinskurven um einen Basispunkt nach oben</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">(0,01%) an. Die folgenden Tabellen stellen die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zinsrisikosensitivit\u00e4ten des Konzerns zum 31. Dezember 2024</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:173.6pt\">und 2025 anhand des PVBP-Konzepts dar:</span></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:138.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"15\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Zinssensitivit\u00e4t \u2013 gesamt\u00f6konomische Risikoposition<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss598\"><div><div class=\"ps4211 ss83\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss83\"><span class=\"f charStyle-dcb49308 ps36\">in Tsd. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2038 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8639\">&lt;1J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8640\">1J\u20133J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8640\">3J\u20135J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8640\">5J\u20137J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8641\">7J\u201310J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8642\">&gt;10J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps4243\">Summe</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8643 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-389<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">205<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">103<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-144<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">78<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-323<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-470<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8644 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-51<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8645 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8646 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">Sonstige W\u00e4hrungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8647 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8648 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-393<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">188<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">93<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps456 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-134<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">74<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-357<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-529<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8649 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:138.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"15\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Zinssensitivit\u00e4t \u2013 gesamt\u00f6konomische Risikoposition<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss598\"><div><div class=\"ps4211 ss83\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss83\"><span class=\"f charStyle-dcb49308 ps36\">in Tsd. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2038 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8639\">&lt;1J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8640\">1J\u20133J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8640\">3J\u20135J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8640\">5J\u20137J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8641\">7J\u201310J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8642\">&gt;10J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps4243\">Summe</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8643 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-459<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">225<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-177<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">305<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-272<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-355<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8644 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8645 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-40<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8646 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">Sonstige W\u00e4hrungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8647 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8648 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-477<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps456 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">326<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-296<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-407<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8650 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die durch Zins\u00e4nderungen bedingten Auswirkungen von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps8651 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Marktwert\u00e4nderungen auf die Gewinn- und Verlustrechnung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps6493 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">sowie auf das Eigenkapital werden separat berechnet, limitiert</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6494 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">und beobachtet. Die Sensitivit\u00e4t der erfolgswirksam zum</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6503 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beizulegenden Zeitwert bewerteten finanziellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6495 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Verm\u00f6genswerte betr\u00e4gt zum 31. Dezember 2025 +243 Tsd. \u20ac</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps6496 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">(vgl. Jahresdurchschnitt 2025: +291 Tsd. \u20ac bzw. per</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6504 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">31.\u00a0Dezember 2024: -55 Tsd. \u20ac). F\u00fcr im sonstigen Ergebnis</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps6497 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">ausgewiesene zum beizulegenden Zeitwert bewertete</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6498 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">finanzielle Verm\u00f6genswerte betr\u00e4gt die Sensitivit\u00e4t +108 Tsd.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6499 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:84.4pt\">\u20ac (2024: +35 Tsd. \u20ac).</span></div><div class=\"ps8650 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Im Rahmen des Internal Capital Adequacy Assessment Process</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps8651 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(ICAAP) wird monatlich eine VaR-Berechnung auf</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6493 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:119.64pt\">Konzernebene durchgef\u00fchrt.</span></div><div class=\"ps6503 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Zinssensitivit\u00e4t \u2013 Szenarioanalysen</span></div><div class=\"ps6496 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps1602\">Bewertungsperspektive</span></div><div class=\"ps6504 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Die Darstellung unten illustriert die Zinssensitivit\u00e4t der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps6497 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gesamt\u00f6konomischen Risikoposition unter Anwendung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6498 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:219.1pt\">paralleler Zins\u00e4nderungen von +/- 200 Basispunkten.</span></div><div class=\"ps8662 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:81.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"17\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Zinsrisikosensitivit\u00e4t (+/- 200 basis points shift)</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss600\"><div><div class=\"ps4211 ss599\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss599\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8652 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps4036\">-200bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2038 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps4036\">-100bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8653\">-50bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8653\">-25bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8654\">+25bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8654\">+50bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8655\">+100bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8655\">+200bp</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">97<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8643 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">24<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-24<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-97<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8644 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8645 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8646 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">Sonstige W\u00e4hrungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8647 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">122<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8648 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">56<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps456 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-51<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-102<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8663 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:81.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"17\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Zinsrisikosensitivit\u00e4t (+/- 200 basis points shift)</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss600\"><div><div class=\"ps4211 ss599\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss599\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8652 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps4036\">-200bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2038 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps4036\">-100bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8653\">-50bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8653\">-25bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8654\">+25bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8654\">+50bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8655\">+100bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8655\">+200bp</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">53<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8643 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-40<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-85<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8644 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8645 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8646 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">Sonstige W\u00e4hrungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8647 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">75<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8648 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">42<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps456 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-42<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-89<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Ertragsperspektive</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Unter der Annahme einer konstanten Bilanz, Gesch\u00e4ftsmargen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">auf Basis aktueller Transaktionen, statischer Margen f\u00fcr</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Einlagen (vor anwendbaren 0%-Kundenzinsuntergrenzen) und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Forward-S\u00e4tzen zur Berechnung des Referenzzinssatzes der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zugrunde liegenden Cashflows als Basisszenario w\u00fcrde 2025</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der Nettozinsertrag bei einer sofortigen parallelen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zinsverschiebung von +/- 200 Basispunkten eine Auswirkung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">von -4 Mio. \u20ac bzw. -127 Mio. \u20ac haben (2024: -11\u00a0Mio.\u00a0\u20ac bzw.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:53.29pt\">-106 Mio. \u20ac).</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Credit-Spread-Risiko im Bankbuch</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Unter Credit-Spread-Risiko im Bankbuch wird das Risiko von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">fallenden Barwerten von Wertpapieren und Derivaten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aufgrund einer Ver\u00e4nderung der Credit Spreads verstanden.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Risikomanagement-Modelle in diesem Risikofaktor werden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">kontinuierlich weiterentwickelt. Das Credit-Spread-Risiko wird</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">anhand von Sensitivit\u00e4ten (PVBP-Konzept) gemessen. Der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Credit-Spread-PVBP gibt die Ver\u00e4nderung des Nettobarwertes</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">infolge einer parallelen Verschiebung der Credit Spreads um</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">einen Basispunkt (0,01%) nach oben an. Die folgende Tabelle</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">zeigt die Credit-Spread-Sensitivit\u00e4t des credit spread</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">relevanten Portfolios der BAWAG (Nettovolumen: \u20ac 2,8 Mrd.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">nach Abzug der Verbdindlichkeiten und Credit Sread Hedges)</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sowie die Aufteilung nach den f\u00fcr die Gewinn- und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verlustrechnung und das sonstige Gesamtergebnis relevanten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:71.97pt\">Bilanzkategorien:</span></div><div class=\"ps8665 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss140\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Credit-Spread-Sensitivit\u00e4t<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Tsd. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps623\">-945<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-952<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam zum beizulegenden <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zeitwert bewertete finanzielle Positionen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">77<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2932 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">155<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:27.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss602\"><div><div class=\"ps8664 ss141\"><span class=\"f charStyle-37455c2a ps36\">Im sonstigen Ergebnis ausgewiesene zum <span class=\"f ps37\"> </span></span></div><div class=\"ps7590 ss141\"><span class=\"f charStyle-37455c2a ps36\">beizulegenden Zeitwert bewertete </span></div><div class=\"ps7588 ss141\"><span class=\"f charStyle-37455c2a ps36\">finanzielle Positionen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2846 ss603\"><div><div class=\"ps7588 ss20\"><span class=\"f charStyle-71900c34 ps623\">-346<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2847 ss603\"><div><div class=\"ps7588 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-450<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">bewertete finanzielle Positionen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3712 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps623\">-676<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3713 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-657<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3769 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Dar\u00fcber hinaus werden monatlich die Risikokenngr\u00f6\u00dfen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3771 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Value-at-Risk und Expected Shortfall berechnet sowie</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps8666 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:144.65pt\">Szenariorechnungen durchgef\u00fchrt.</span></div><div class=\"ps8667 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Das Credit-Spread-Risiko wird auf Gesamtkonzernebene auch</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps8668 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">im Rahmen des ICAAP ber\u00fccksichtigt bzw. limitiert und ist</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps8669 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:164.19pt\">Bestandteil der bankweiten Stresstests.</span></div><div class=\"ps8670 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Alle eingesetzten Modelle werden laufend kalibriert und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8671 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zumindest j\u00e4hrlich durch \u00dcberpr\u00fcfung der Annahmen und</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps8672 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:127.62pt\">Backtestingverfahren validiert.</span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Fremdw\u00e4hrungsrisiko im Bankbuch</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die H\u00f6he der offenen Fremdw\u00e4hrungspositionen im Bankbuch</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">des Konzerns wird durch konservative Limite beschr\u00e4nkt,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">wodurch ein geringes Fremdw\u00e4hrungsrisiko im Bankbuch</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sichergestellt wird. Die Einhaltung der Limite wird t\u00e4glich</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:47.21pt\">\u00fcberwacht.</span><span class=\"f charStyle-34546584 ps8674\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Folgende Tabelle stellt Sensitivit\u00e4ten aus Fremdw\u00e4hrungen auf</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Basis der offenen Devisenposition dar. Aus Fremdw\u00e4hrungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">resultiert f\u00fcr das Bewertungsergebnis keine signifikante</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:60.61pt\">Risikoposition.</span></div><div class=\"ps8696 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:102.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss605\"><div><div class=\"ps4211 ss604\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss604\"><span class=\"f charStyle-dcb49308 ps36\">in Tsd. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8676 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-c5fdbd46 ps8675\">USD</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8678 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-c5fdbd46 ps8677\">GBP</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8680 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-c5fdbd46 ps8679\">CHF</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8681 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-c5fdbd46 ps5840\">Sonstige Fremdw\u00e4hrungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss608\"><div><div class=\"ps291 ss604\"><span class=\"f charStyle-37455c2a ps36\">FX-Ver\u00e4nderung (in %)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8683 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss608\"><div><div class=\"ps291 ss604\"><span class=\"f charStyle-37455c2a ps36\">Einfluss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8689 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.360<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.360<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">754<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-754<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">704<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-704<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">145<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-145<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3582 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:102.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss605\"><div><div class=\"ps4211 ss604\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss604\"><span class=\"f charStyle-dcb49308 ps36\">in Tsd. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8676 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-37455c2a ps8675\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8678 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-37455c2a ps8677\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8680 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-37455c2a ps8679\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8681 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-37455c2a ps5840\">Sonstige Fremdw\u00e4hrungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss608\"><div><div class=\"ps291 ss604\"><span class=\"f charStyle-37455c2a ps36\">FX-Ver\u00e4nderung (in %)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8683 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss608\"><div><div class=\"ps291 ss604\"><span class=\"f charStyle-37455c2a ps36\">Einfluss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8689 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-798<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">798<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.506<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.506<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-864<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">864<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6503 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zur Steuerung von Fremdw\u00e4hrungsrisiken wendet die BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6495 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:189.59pt\">ebenfalls Hedge Accounting gem\u00e4\u00df IAS 39 an.</span></div><div class=\"ps6504 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Cash-Flow-Hedge</span></div><div class=\"ps6497 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das Fremdw\u00e4hrungsrisiko aus den zuk\u00fcnftigen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6498 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Margeneinnahmen der Fremdw\u00e4hrungsportfolios sowie</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6499 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">weiterer PnL-relevanter Komponenten der BAWAG wird durch</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6500 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">die Implementierung des Cash-Flow-Hedges f\u00fcr FX-PnL</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps6501 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">mitigiert. Die BAWAG wendet einen Bottom-Layer-Ansatz an,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6502 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bei dem definierte Betr\u00e4ge von Cashflows f\u00fcr einen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps8697 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">bestimmten Zeitraum als abgesicherte Position ausgewiesen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps8698 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden. Derzeit werden aus Margeneinnahmen resultierende</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8699 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Cashflows denominiert in GBP, USD und CHF \u00fcber FX-</span></div><div class=\"ps8700 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Termingesch\u00e4fte abgesichert. Es gelten die folgenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.99pt\">Zielabsicherungsquoten f\u00fcr zuk\u00fcnftige FX-Margen-Einnahmen:</span></div><div class=\"ps8701 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">USD: 90% der Ertr\u00e4ge aus USD-PnL der n\u00e4chsten 60</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps8702 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:32.76pt\">Monate</span></div><div class=\"ps8703 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.47pt\">GBP: 70% der Ertr\u00e4ge aus GBP-PnL der n\u00e4chsten 36 Monate</span></div><div class=\"ps8704 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:245.99pt\">CHF: 70% der Ertr\u00e4ge aus CHF-PnL der n\u00e4chsten 36 Monate</span></div><div class=\"ps7550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die BAWAG wendet den Cash-Flow-Hedge auch f\u00fcr die Cross-</span></div><div class=\"ps7551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Currency-Risiken an. Das abgesicherte Risiko ist das</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Fremdw\u00e4hrungsrisiko zuk\u00fcnftiger Cashflows von kapital- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">indikatorbasierten Zahlungen (\u201eReferenzzinssatz\u201c; z.B.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Cashflows auf Basis des LIBOR-Satzes) des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Fremdw\u00e4hrungsportfolios der BAWAG. Die BAWAG hat hier</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">einen Bottom-Layer-Ansatz in Bezug auf den Nominal-/</span></div><div class=\"ps7557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Tenorwert des Grundgesch\u00e4fts implementiert. Daher m\u00fcssen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps8705 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die Betr\u00e4ge der abgesicherten Risiko- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6503 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:79.58pt\">Absicherungsinstru</span><span class=\"f charStyle-5a2826df ps8706\" style=\"width:182.48pt\"><span style=\"background-color:inherit\">mente (Cross-Currency-Swaps) laufend</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps6495 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">angepasst und in Bezug auf Neugesch\u00e4ft bis zu den dedizierten</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps6496 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Bottom Layers verl\u00e4ngert werden, um die</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps6504 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Absicherungsanforderungen der Bank zu erf\u00fcllen. Per</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps6497 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">31.12.2025 waren etwa 67% (2024: 85%) des USD-Portfolios</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps6498 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">und 71% (2024: 69%) des GBP-Portfolios in das Cash-Flow-</span></span></div><div class=\"ps6499 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:122.77pt\"><span style=\"background-color:inherit\">Hedge-Accounting gewidmet.</span></span></div><div class=\"ps6501 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1c95266 ps185\"><span style=\"background-color:inherit\">Net Investment Hedge</span></span></div><div class=\"ps6502 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Ein Fremdw\u00e4hrungsrisiko ergibt sich auch aus der</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps8697 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Nettoinvestition des Konzerns in eine Tochtergesellschaft mit</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps8698 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">der funktionalen W\u00e4hrung CHF und in eine Tochtergesellschaft</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps8699 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:261.98pt\"><span style=\"background-color:inherit\">mit der funktionalen W\u00e4hrung USD. Das Risiko ergibt sich aus</span></span><span class=\"f charStyle-5a2826df ps1243\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps8700 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">der Schwankung der Kassakurse zwischen dem CHF und dem</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:261.99pt\"><span style=\"background-color:inherit\">EUR sowie zwischen dem USD und dem EUR, wodurch die</span></span><span class=\"f charStyle-5a2826df ps214\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:143.45pt\"><span style=\"background-color:inherit\">H\u00f6he der Nettoinvestition variiert.</span></span></div><div class=\"ps7545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Das abgesicherte Risiko bei der Absicherung der</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Nettoinvestition ist das Risiko einer Schw\u00e4chung des CHF</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">gegen\u00fcber dem EUR bzw. des USD gegen\u00fcber dem EUR, die zu</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">einer Verringerung des Buchwerts der Nettoinvestition der</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps8707 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Gruppe in die Tochtergesellschaft in der funktionalen W\u00e4hrung</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:83.73pt\"><span style=\"background-color:inherit\">CHF bzw. USD f\u00fchrt.</span></span></div><div class=\"ps7551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:261.99pt\"><span style=\"background-color:inherit\">Der volle Betrag bzw. ein Teil der Nettoinvestition der Gruppe</span></span><span class=\"f charStyle-5a2826df ps214\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">in ihre Tochtergesellschaft in der funktionalen W\u00e4hrung CHF</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">bzw. USD wird durch einen Devisen-Swap zwischen EUR und</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">CHF bzw. EUR und USD abgesichert bzw. gemindert</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262pt\"><span style=\"background-color:inherit\">(Nominalwert: 48\u00a0Mio. CHF; 2024: 45\u00a0Mio. CHF) bzw. 252\u00a0Mio.</span></span><span class=\"f charStyle-5a2826df ps186\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:141.24pt\"><span style=\"background-color:inherit\">USD; 2024: 180\u00a0Mio. USD). Die</span></span><span class=\"f charStyle-34546584 ps8708\" style=\"width:120.76pt\"> Devisen-Swaps werden als</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Sicherungsinstrumente f\u00fcr die Wertver\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Nettoinvestition bestimmt, die auf \u00c4nderungen der EUR/CHF-</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:194.71pt\">und EUR/USD-Kassakurse zur\u00fcckzuf\u00fchren sind.</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Strategie der Gruppe besteht darin, die Nettoinvestition</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:225.26pt\">bis zu 100% des Nettoinvestitionsbetrags abzusichern.</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Konzentrationsrisiken</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Alle wesentlichen Risikofaktoren werden \u00fcber VaR-Modelle/</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Szenarioanalysen und Stresstests abgedeckt, die auf alle</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Handels- und Bankbuchpositionen angewendet werden.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Instabilit\u00e4ten der Korrelationen, die zu einer \u00dcbersch\u00e4tzung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Diversifikationseffekte f\u00fchren k\u00f6nnen, werden dadurch</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">ber\u00fccksichtigt, dass nur Korrelationen innerhalb ausgew\u00e4hlter</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Risikofaktoren (Zinsen, Wechselkurse, Volatilit\u00e4ten) sowie</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">(nach umfassender empirischer Analyse) auch zwischen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zinsrisiko im Bankbuch und Credit-Spread-Risiko ber\u00fccksichtigt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden, dar\u00fcber hinaus aber keine Diversifikation</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">angenommen wird. Stresstest-Ergebnisse werden ebenso in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">verschiedene Risikofaktoren unterteilt, errechnet, berichtet</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und limitiert, um Korrelationen innerhalb eines Risikofaktors</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:102.91pt\">identifizieren zu k\u00f6nnen.</span></div><span class=\"f charStyle-b1e544a7 ps2852\">Liquidit\u00e4tsrisiko</span><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Liquidit\u00e4tsrisiko ist das Risiko, Zahlungsverpflichtungen zum</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zeitpunkt ihrer F\u00e4lligkeit nicht nachkommen (dispositives</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Liquidit\u00e4tsrisiko) oder diese Verpflichtungen nur mit h\u00f6heren</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Refinanzierungskosten (strukturelles Liquidit\u00e4tsrisiko) erf\u00fcllen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zu k\u00f6nnen. Zum Liquidit\u00e4tsrisiko geh\u00f6rt ferner das Risiko, dass</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Transaktionen nicht geschlossen oder verkauft werden k\u00f6nnen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">oder dies aufgrund unzureichender Markttiefe oder aufgrund</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">von Marktunterbrechungen (Marktliquidit\u00e4tsrisiko) nur mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verlust m\u00f6glich ist. Das Ziel des Liquidit\u00e4tsrisikomanagements</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps952 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">der BAWAG besteht darin, sicherzustellen, dass der Konzern</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">seinen Verpflichtungen jederzeit nachkommen kann, und das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:233.78pt\">Liquidit\u00e4tsrisiko innerhalb des Risikoappetits zu steuern.</span></div><div class=\"ps955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Liquidit\u00e4tsrisikomanagement</span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Im Einklang mit dem Supervisory Review and Evaluation</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Process (SREP) der EZB hat die BAWAG einen j\u00e4hrlichen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Prozess zur Beurteilung der internen Liquidit\u00e4tsad\u00e4quanz</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">(ILAAP) implementiert, der die Grundlage f\u00fcr die konzernweite</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Messung, Steuerung und \u00dcberwachung von Liquidit\u00e4tsrisiken</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:26.61pt\">bildet.</span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Vorstand legt die Liquidit\u00e4tsrisikostrategie sowie den</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">allgemeinen Liquidit\u00e4tsrisikoappetit fest und \u00fcberpr\u00fcft und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">genehmigt mindestens einmal j\u00e4hrlich den ILAAP sowie die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:187.84pt\">konzernweiten Limits und die Fundingspl\u00e4ne.</span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Das wichtigste Entscheidungsgremium im Zusammenhang mit</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps972 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Liquidit\u00e4tsrisiken ist das Strategic Asset Liability Committee</span><span class=\"f charStyle-34546584 ps148\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">(S-ALCO), in dem alle Vorstandsmitglieder vertreten sind. Das</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">S-ALCO wird mindestens einmal im Monat \u00fcber die Leistung im</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:190.2pt\">Vergleich zu den Risikokennzahlen informiert.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Treasury ist beauftragt, die Liquidit\u00e4ts- und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Finanzierungsposition zu steuern. Risiko-Controlling fungiert</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">als unabh\u00e4ngige Risikokontrollfunktion und ist f\u00fcr die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:203.95pt\">\u00dcberpr\u00fcfung des ILAAP-Rahmens verantwortlich.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Liquidit\u00e4tsstrategie </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Einlagen von Retail- und Firmenkunden bilden seit Jahren den</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Kern der Refinanzierungsstrategie der BAWAG und werden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">auch in Zukunft die wichtigste Refinanzierungsquelle der Bilanz</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">darstellen. Die kontinuierliche Verlagerung der BAWAG-Aktiva</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">auf besicherte Produkte erh\u00f6ht auch die Flexibilit\u00e4t der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gruppe auf den M\u00e4rkten f\u00fcr besicherte Finanzierungen.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Folglich gewinnt die Refinanzierung \u00fcber Pfandbriefe im</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:187.18pt\">gesamten Refinanzierungsmix an Bedeutung.</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Liquidit\u00e4tssteuerung</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:259.02pt\">Die Steuerung der Liquidit\u00e4tsposition erfolgt auf Konzernebene.</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die kurzfristige Steuerung basiert auf einer t\u00e4glich erstellten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">30-Tage-Liquidit\u00e4tsvorschau, die ein genaues Monitoring und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">das Management der kurzfristigen Liquidit\u00e4tsposition</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:47.41pt\">erm\u00f6glicht.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">F\u00fcr die mittelfristige Steuerung wird monatlich eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Liquidit\u00e4tsvorschau f\u00fcr die n\u00e4chsten 15 Monate erstellt und an</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">das S-ALCO berichtet. Im Rahmen des Prognoseprozesses, der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Szenarioanalysen f\u00fcr geplante Ma\u00dfnahmen und Annahmen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zum Kundenverhalten ber\u00fccksichtigt, wird die Entwicklung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">aller wichtigen Liquidit\u00e4tsrisikokennzahlen auf Grundlage der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zugrunde liegenden Gesch\u00e4ftspl\u00e4ne prognostiziert, um die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:241.73pt\">Einhaltung des allgemeinen Risikoappetits sicherzustellen.</span><span class=\"f charStyle-34546584 ps8710\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Die langfristige Steuerung der Liquidit\u00e4t wird im Rahmen des</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">j\u00e4hrlichen Planungsprozesses f\u00fcr die kommenden f\u00fcnf Jahre</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">durchgef\u00fchrt. Zus\u00e4tzlich werden strategische Ma\u00dfnahmen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:127.77pt\">w\u00e4hrend des Jahres analysiert.</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Liquidit\u00e4ts-Stresstests</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Liquidit\u00e4ts-Stresstests und Szenarioanalysen werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">angewendet, um die Liquidit\u00e4tsrisikoposition der BAWAG zu</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">bewerten, die Risikolimite festzulegen und die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Liquidit\u00e4tspuffer zu kalibrieren. Sie erg\u00e4nzen das operative</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Liquidit\u00e4tsmanagement und die mittel- bis langfristige</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:82.61pt\">Liquidit\u00e4tsstrategie.</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Stresstests werden sowohl auf Konzern- als auch auf</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Tochterunternehmensebene durchgef\u00fchrt und decken</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Szenarien ab, die sich in L\u00e4nge und Schweregrad</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">unterscheiden (systemischer Stress, idiosynkratischer Stress,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">kombinierter Stress). Die Ergebnisse der Stresstests werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:146.32pt\">monatlich an das S-ALCO berichtet.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Liquidit\u00e4tspuffer</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die BAWAG h\u00e4lt einen Liquidit\u00e4tspuffer, um unerwartete</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Liquidit\u00e4tsabfl\u00fcsse in einem Stressszenario abzudecken. Der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Liquidit\u00e4tspuffer stellt daher eine vorbeugende Ma\u00dfnahme</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">gegen das Liquidit\u00e4tsrisiko dar. Der Liquidit\u00e4tspuffer besteht</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aus einem Portfolio liquider Aktiva, mit dem in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Stresssituationen liquide Mittel generiert werden k\u00f6nnen, um</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">die Illiquidit\u00e4t der Gruppe zu verhindern. Der Liquidit\u00e4tspuffer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der BAWAG beinhaltet nur Verm\u00f6genswerte, die innerhalb</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">von 30 Tagen mit niedrigem Ausf\u00fchrungsrisiko liquidiert</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden k\u00f6nnen. Die Marktliquidit\u00e4t des Liquidit\u00e4tspuffers wird</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:91.64pt\">regelm\u00e4\u00dfig \u00fcberpr\u00fcft.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die nachfolgende Tabelle zeigt die Zusammensetzung des</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Liquidit\u00e4tspuffers auf Basis von Marktwerten unbelasteter</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Aktiva nach Ber\u00fccksichtigung eines komponentenspezifischen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:36.93pt\">Haircuts.</span></div><div class=\"ps5318 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Zusammensetzung des Liquidit\u00e4tspuffers<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Bei der Notenbank eingelieferte Kreditforderungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">13.284<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.701<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">F\u00fcr Kreditgesch\u00e4fte des Eurosystems zugelassene Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.466<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.676<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Sonstige f\u00fcr Kreditgesch\u00e4fte des Eurosystems zugelassene Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.021<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.134<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Kurzfristiger Liquidit\u00e4tspuffer<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.771<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">21.511<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Sonstige marktf\u00e4hige Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.021<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.194<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">18.792<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">22.705<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3582 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">F\u00e4lligkeitsanalyse der vertraglichen undiskontierten Cashflows der finanziellen Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss609\"><div><div class=\"ps8022 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3306 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss95\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-c5fdbd46 ps6015\">Vertragliche </span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps3263\">Zahlungs-</span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps8711\">str\u00f6me</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss95\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps8712\">Weniger als </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps8713\">1\u00a0Monat</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss95\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps8216\">1 bis 3 </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps8714\">Monate</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss95\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps4215\">3 Monate bis </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps4216\">1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps4463\">1 bis 5 Jahre</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss95\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps8715\">Mehr als </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps4219\">5 Jahre</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Nichtderivate Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3323 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Einlagen von Banken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8716 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-959<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8717 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-175<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-53<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8720 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-481<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-239<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3328 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Einlagen von Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7699 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps877\">-48.377<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps877\">-42.488<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-800<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.053<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.420<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3333 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Ausgegebene Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8722 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps877\">-19.460<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8723 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-84<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-384<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6836 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.325<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6837 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps877\">-10.812<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6838 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-6.854<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3338 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Zwischensumme<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-68.796<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8726 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-42.747<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7522 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-1.194<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7523 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-2.995<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7524 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-12.346<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7525 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-9.513<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps872 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Derivate Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-546<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8729 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-66<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8731 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-301<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8732 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-163<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3555 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Sonstige au\u00dferbilanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8733 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.969<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.969<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8735 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3561 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8736 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-71.311<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-44.723<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8738 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-1.204<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8739 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-3.061<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-12.647<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8741 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-9.676<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8742 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">F\u00e4lligkeitsanalyse der vertraglichen undiskontierten Cashflows der finanziellen Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss609\"><div><div class=\"ps8022 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 angepasst<span class=\"f ps37\"> </span></span></div><div class=\"ps3306 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss95\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-c5fdbd46 ps6015\">Vertragliche </span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps3263\">Zahlungs-</span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps8711\">str\u00f6me</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss95\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps8712\">Weniger als </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps8713\">1\u00a0Monat</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss95\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps8216\">1 bis 3 </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps8714\">Monate</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss95\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps4215\">3 Monate bis </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps4216\">1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps4463\">1 bis 5 Jahre</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss95\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps8715\">Mehr als </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps4219\">5 Jahre</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Nichtderivate Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3323 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Einlagen von Banken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8716 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.387<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8717 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-564<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8720 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-195<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-566<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3328 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Einlagen von Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7699 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps877\">-47.196<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps877\">-39.785<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-892<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.639<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-803<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-3.077<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3333 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Ausgegebene Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8722 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps877\">-19.523<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8723 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-256<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-309<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6836 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.159<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6837 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-9.836<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6838 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-7.963<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3338 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Zwischensumme<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-68.105<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8726 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-40.605<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7522 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-1.216<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7523 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-3.845<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7524 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-10.834<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7525 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-11.606<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps872 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Derivate Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.216<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-24<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8729 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-34<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-217<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8731 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-646<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8732 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-295<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3555 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Sonstige au\u00dferbilanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8733 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.756<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.756<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8735 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3561 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8736 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-71.077<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-42.385<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8738 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-1.250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8739 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-4.062<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-11.481<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8741 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-11.901<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8743 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die obige Tabelle zeigt die konsolidierten nominellen (nicht</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps8744 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">diskontierten) Cashflows inklusive Zinszahlungen aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8745 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Finanzverbindlichkeiten. Als Basis der Zuordnung in das</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps8746 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">entsprechende Laufzeitband dienen die vertraglichen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps8747 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">F\u00e4lligkeiten. Die t\u00e4glich f\u00e4lligen Sichteinlagen wurden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8748 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">gesamthaft dem ersten Laufzeitband zugeordnet. Bei</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps8749 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">K\u00fcndigungsrechten wurde das Laufzeitende auf den Tag des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps8750 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:160.14pt\">n\u00e4chsten K\u00fcndigungstermins bezogen.</span></div><div class=\"ps8751 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die BAWAG beh\u00e4lt im Liquidit\u00e4tsmanagement ihren</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps8752 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">konservativen Ansatz bei, was sich in einer Liquidity Coverage</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps8753 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ratio (LCR) von 204% zum Ende 2025 (2024: 249%)</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps8743 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">widerspiegelt. Die BAWAG \u00fcbertrifft damit signifikant die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps8744 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:151.6pt\">regulatorischen LCR-Anforderungen.</span></div><div class=\"ps8746 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Das Gesch\u00e4ftsjahr 2025 war gepr\u00e4gt von einer sehr starken</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps8747 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Liquidit\u00e4tsposition, getragen durch ein robustes Wachstum</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps8748 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der Kernrefinanzierungsquellen sowie eine breit diversifizierte</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps8749 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Refinanzierungsstruktur. Die Retail\u2011Einlagen blieben das</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8750 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Fundament des Refinanzierungsmodells und wurden durch die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8754 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vollst\u00e4ndige Konsolidierung von Knab sowie dem Erwerb der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps8751 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Easybank Deutschland im Februar 2025 um rund 3,9\u202fMrd.\u202fEUR</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps8752 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.18pt\">durch eine deutlich ausgeweitete Kundenbasis weiter gest\u00e4rkt.</span></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Neben der stabilen und wachsenden Einlagenbasis f\u00fchrte die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">BAWAG Group im Jahr 2025 eigene</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Refinanzierungstransaktionen in H\u00f6he von rund 1,6\u202fMrd.\u202f\u20ac</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">durch. Dies unterstreicht das weiterhin positive</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Investoreninteresse und den verl\u00e4sslichen Zugang zu den</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kapitalm\u00e4rkten. Die Emissionst\u00e4tigkeit umfasste 1,3\u202fMrd.\u202f\u20ac an</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Senior\u2011Unsecured\u2011Anleihen aus sieben Transaktionen,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">250\u202fMio.\u202f\u20ac an Tier\u20112\u2011Instrumenten sowie rund 100\u202fMio.\u202f\u20ac an</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:110.19pt\">Credit\u2011Linked Notes (CLN).</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Diese Aktivit\u00e4ten wurden durch die fortlaufende Nutzung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Covered\u2011Bond\u2011Programme erg\u00e4nzt, unterst\u00fctzt durch</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">erweiterte Hypotheken\u2011 und Public\u2011Sector\u2011Deckungsst\u00f6cke,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">sowohl der BAWAG als auch von Knab. Dar\u00fcber hinaus wurde</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">diese Entwicklung durch eine erh\u00f6hte Bilanzsumme infolge der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">erfolgreichen Integration der Barclays Consumer Bank Europe</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:89.22pt\">zus\u00e4tzlich beg\u00fcnstigt.</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Konzentrationsrisiko</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Als \u00fcberwiegend Retail-finanzierte Bank ist die BAWAG keinem</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">wesentlichen Konzentrationsrisiko auf der Passivseite</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">ausgesetzt. Unsere Refinanzierungsbasis ist breit diversifiziert,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.95pt\">ohne materielle Abh\u00e4ngigkeiten von einzelnen Gegenparteien.</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Auf der Aktivseite wird der Gro\u00dfteil unseres Liquidit\u00e4tspuffers</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bei der Zentralbank gehalten, was ein hohes Ma\u00df an Stabilit\u00e4t</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und Verf\u00fcgbarkeit gew\u00e4hrleistet. W\u00e4hrend ein Teil des Puffers</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">in Form von Wertpapieren gehalten wird, unterliegt unser</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Engagement in HQLA-Wertpapieren klar definierten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:88.27pt\">Konzentrationslimits.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Auf der Passivseite steuern wir Konzentrationsrisiken aktiv,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">indem wir Laufzeitkonzentrationen unserer eigenen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Emissionen durch drei verschiedene Limitarten begrenzen.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Dar\u00fcber hinaus \u00fcberwachen wir unsere gr\u00f6\u00dften Einleger \u00fcber</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">verschiedene Kategorien hinweg, insbesondere die zehn</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">gr\u00f6\u00dften Einlagenpositionen, wobei hierf\u00fcr keine festen Limits</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:41.33pt\">bestehen.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zur weiteren Diversifizierung unserer Refinanzierungsstruktur</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">haben wir ein Soft Target etabliert, um sicherzustellen, dass</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die Finanzierung \u00fcber den Geldmarkt (MM) 10 % unserer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bilanzsumme nicht \u00fcberschreitet. Diese Ma\u00dfnahme dient</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">dazu, eine \u00fcberm\u00e4\u00dfige Abh\u00e4ngigkeit von dieser</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:144.2pt\">Finanzierungsquelle zu vermeiden.</span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Alle relevanten Kennzahlen zum Konzentrationsrisiko werden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">mindestens monatlich \u00fcberwacht, einige davon zus\u00e4tzlich auf</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">w\u00f6chentlicher Basis, um ein vorausschauendes</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risikomanagement und die Einhaltung unseres</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:155.49pt\">Risikoapettitrahmens sicherzustellen.</span></div><span class=\"f charStyle-b1e544a7 ps2852\">Operationelles Risiko</span><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Operationelles Risiko existiert in nahezu allen Transaktionen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps2404 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">und T\u00e4tigkeiten eines Unternehmens und wird definiert als die</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gefahr von Verlusten, die durch Unangemessenheit und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Versagen von internen Prozessen, Menschen und Systemen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">oder durch externe Ereignisse entsteht. Die Definition des</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">operationellen Risikos umfasst explizit Rechtsrisiken,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Compliance-Risiken, Modellrisiken, Betrugsrisiken,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Verhaltensrisiken sowie Drittpartei-Risiken, Outsourcing-</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Risiken und Informations- und Kommunikationsrisiko.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Informations-/Cybersicherheit und der Schutz einschlie\u00dflich</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der angemessenen Nutzung von Kundendaten bleiben</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:256.2pt\">wichtige Faktoren, um das Vertrauen der Kunden zu erhalten.</span><span class=\"f charStyle-34546584 ps8756\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Governance</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Eine klare Organisationsstruktur und Kompetenzregelungen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">bilden die Grundlage der Governance f\u00fcr operationelle</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Risiken. Das Management von operationellen Risiken erfolgt</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">durch etablierte konzernweite Prozesse zur</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Verlustdatensammlung, ein j\u00e4hrliches Risk Control Self-</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Assessment (RCSA) f\u00fcr alle Bereiche und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Tochtergesellschaften, eine einheitliche Wesentlichkeits- und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Risikobewertung von Outsourcing-Aktivit\u00e4ten, einen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">fundierten Produkteinf\u00fchrungsprozess (PIP) inkl. ESG-</span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Stellungnahme sowie monatliche Key-Risk-Indikatoren. Bei</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">\u00dcberschreitung definierter Schwellenwerte (bspw. roter KRI</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">oder Identifizierung von hohen Risiken) werden verpflichtende</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Ma\u00dfnahmen zur Risikominderung vereinbart und \u00fcberwacht.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Dar\u00fcber hinaus arbeitet die BAWAG kontinuierlich an der</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Verst\u00e4rkung der Abwehr von Cyberattacken. Der gew\u00e4hlte</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sicherheitsansatz orientiert sich an den regulatorischen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Anforderungen und der festgelegten Sicherheitspolitik. Eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">konsistente Richtlinie und ein risikoad\u00e4quates internes</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kontrollsystem (inklusive automatisierter Kontrollen,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">eingebettet in die IT-Infrastruktur) sowie ein</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sicherheitskontrollsystem mit einer Vielzahl von</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">organisatorischen und technologischen Ma\u00dfnahmen sind zur</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Steuerung und Minderung des operationellen Risikos der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:73.28pt\">BAWAG etabliert.</span><span class=\"f charStyle-34546584 ps8757\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Risikoidentifikation, -bewertung und -minderung</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die aus dem operationellen Risiko resultierenden Verluste</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden in einer zentral verwalteten Verlustdatenbank</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">innerhalb klar definierter Regeln und Prozesse gesammelt. Die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">gesammelten Daten werden analysiert, um Muster/Cluster</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:175.48pt\">und fehlerhafte Prozesse zu identifizieren.</span><span class=\"f charStyle-34546584 ps8758\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Mittels RCSA identifizieren und bewerten alle relevanten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Organisationseinheiten innerhalb eines einheitlichen Rahmens</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">j\u00e4hrlich ihre wesentlichen Prozesse, operationellen Risiken, die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Risiken einer etwaigen Missachtung von regulatorischen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Vorschriften und die Wirksamkeit der Kontrollen. Dies</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">beinhaltet die Sch\u00e4tzung der Wahrscheinlichkeit und des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Ausma\u00dfes von potentiellen Verlusten aus den einzelnen</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Risiken. \u00dcbersteigt das Risikopotenzial ein definiertes Limit,</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:255.9pt\">m\u00fcssen geeignete Ma\u00dfnahmen verpflichtend eruiert werden.</span><span class=\"f charStyle-34546584 ps8759\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Key-Risk-Indikatoren (KRI) sind als zus\u00e4tzliches</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Steuerungsinstrument implementiert, um negative</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Entwicklungen bzw. \u00c4nderungen des Risikoprofils in</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Unternehmensprozessen bzw. Unternehmensbereichen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">rechtzeitig identifizieren zu k\u00f6nnen. Jeder KRI wird mittels</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">eines Ampelsystems bewertet (Gr\u00fcn/Gelb/Rot). F\u00fcr KRIs mit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Status Rot ist die Definition geeigneter Ma\u00dfnahmen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:121.6pt\">verpflichtend durchzuf\u00fchren.</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u00a7\u00a039 Abs. 6 BWG verpflichtet Kreditinstitute im Hinblick auf</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Compliance-Prozesse zur schriftlichen Festlegung von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:4.89pt\">a</span><span class=\"f charStyle-0ea8d727 ps8760\" style=\"width:257.14pt\">ngemessenen Grunds\u00e4tzen und Verfahren, die darauf ausgelegt</span><span class=\"f charStyle-0ea8d727 ps160\" style=\"width:2.06pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0ea8d727 ps2\" style=\"width:262.05pt\">sind, Risiken einer etwaigen Missachtung von Vorschriften</span><span class=\"f charStyle-0ea8d727 ps152\" style=\"width:2.06pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0ea8d727 ps2\" style=\"width:211.59pt\">aufzudecken und auf ein Mindestma\u00df zu beschr\u00e4nken.</span><span class=\"f charStyle-0ea8d727 ps8761\" style=\"width:2.06pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Identifikation und Bewertung der potentiellen Risiken und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Ma\u00dfnahmen bei Ad-hoc-Themen erfolgt durch klar definierte</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Prozesse insbesondere f\u00fcr Auslagerungen und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:91.77pt\">Produkteinf\u00fchrungen.</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die BAWAG investiert weiterhin in die Sensibilisierung der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Mitarbeiter sowie in die Belastbarkeit und Sicherheit der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:262.01pt\">Systeme, um sicherzustellen, dass Kundendaten \u2013 trotz des</span><span class=\"f charStyle-e63b9797 ps150\" style=\"width:2.11pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:247.57pt\">rasanten Wandels der technologischen Trends \u2013 sicher bleiben.</span><span class=\"f charStyle-e63b9797 ps8762\" style=\"width:2.11pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Der Vorstand erh\u00e4lt regelm\u00e4\u00dfig Berichte \u00fcber aktuelle OpRisk-</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-0ea8d727 ps2\" style=\"width:262.02pt\">Entwicklungen sowie Aktivit\u00e4ten zum Schutz und zur Bewertung</span><span class=\"f charStyle-0ea8d727 ps148\" style=\"width:2.06pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps2\" style=\"width:248.84pt\">der Cybersicherheit im Non-Financial Risk Committee (NFRC).</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Risikoquantifizierung</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die BAWAG verwendet zur Berechnung der regulatorischen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Eigenmittelanforderungen f\u00fcr operationelle Risiken auf</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Konzernebene den Standardised Measurement Approach</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">(SMA) gem\u00e4\u00df CRR. Die tats\u00e4chlich realisierten Verluste des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">operationellen Risikos sind jedoch signifikant niedriger als die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:117.34pt\">regulatorischen Eigenmittel.</span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Im Zuge des ICAAP erfolgt die Quantifizierung des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">operationellen Risikos basierend auf dem SMA f\u00fcr die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:172.34pt\">normative und \u00f6konomische Perspektive.</span></div><span class=\"f charStyle-b1e544a7 ps2852\">Nachhaltigkeitsbezogene Risiken</span><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Das Zusammenspiel von nachhaltigkeitsbezogenen Risiken und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">anderen wesentlichen Risikoarten wird im Rahmen des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">bereichs\u00fcbergreifenden Risk Self Assessment (RSA) und des</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">j\u00e4hrlichen Risk Materiality Assessment bewertet. Die BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">hat nur begrenzte Positionen in Sektoren mit erh\u00f6htem</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Transitionsrisiko und steuert das Portfolio durch die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">\u00dcberwachung der \u00dcbergangspfade der h\u00f6chsten THG-</span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">emittierenden Portfolios. Dieser Ansatz wird durch einen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Rahmen unterst\u00fctzt, der ein sektorspezifisches</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">\u00dcbergangsmanagement sowie Listen von Einschr\u00e4nkungen und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verboten umfasst, welche die Kreditvergabe an bestimmte</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps972 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Branchen begrenzen oder ausschlie\u00dfen. Zus\u00e4tzlich schr\u00e4nkt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">die BAWAG im Rahmen der Portfoliosteuerung, Sektoren mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">hohem ESG-Risiko aufgrund der geringen Risikobereitschaft</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:220.8pt\">entsprechend ein. Aufgrund des derzeit geringen </span><span class=\"f charStyle-7973db00 ps8764\" style=\"width:41.25pt\">Exposures</span><span class=\"f charStyle-7973db00 ps152\" style=\"width:2.26pt\"> </span></div><div class=\"ps2404 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps2\" style=\"width:226.6pt\">gegen\u00fcber hohen ESG-Risiken sind die Auswirkungen</span><span class=\"f charStyle-34546584 ps8765\" style=\"width:35.42pt\"> auf die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Ergebnisse f\u00fcr das Jahr 2025 nicht signifikant. Die BAWAG hat</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">ein Governance Framework f\u00fcr die \u00dcberwachung und das</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Management der jeweiligen Risiken entwickelt. Um diese</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Risiken zu adressieren, hat die BAWAG angemessene Key Risk</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Indicators sowie Due-Diligence-Prozesse eingef\u00fchrt. Die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">gr\u00f6\u00dfte Herausforderung bleibt nach wie vor die Verf\u00fcgbarkeit</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">sowie Genauigkeit von zugeh\u00f6rigen Daten. Als Teil unseres</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Governance-Rahmens ist das ESG-Risikomanagement in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">unseren wichtigsten Richtlinien und Prozessen verankert und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gew\u00e4hrleistet eine angemessene Ber\u00fccksichtigung von ESG-</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Risiken im Outsourcing-Management, bei</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Produkteinf\u00fchrungen und der Bewertung neuer</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kreditvergaben usw. Verschiedene Initiativen wie</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Lernprog177ramme, Newsletter etc. unterst\u00fctzen die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:182.8pt\">Umsetzung des Themas in der Organisation.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die BAWAG geht davon aus, die sich \u00e4ndernden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">regulatorischen Anforderungen innerhalb vorgegebener</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zeitvorgaben und unter Einhaltung verf\u00fcgbarer Methoden und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Standards, die in der gesamten Branche angewendet werden,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zu erf\u00fcllen. Das Management von nachhaltigkeitsbezogenen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Risiken ist in dem daf\u00fcr vorgesehenen Kapitel des Non-</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:111.61pt\">financial Reports erl\u00e4utert.</span><span class=\"f charStyle-34546584 ps8766\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-b1e544a7 ps2895\">Sonstige Risiken</span><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Im Folgenden wird auf jene sonstigen Risiken eingegangen, die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:250.31pt\">im Rahmen der Risikoinventur mit Kapital unterlegt wurden.</span></div><div class=\"ps948 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Immobilienrisiko </span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Das Immobilienrisiko resultiert aus einer negativen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Wertver\u00e4nderung bzw. einem negativen Erl\u00f6s aus dem</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Immobilienportfolio der Gruppe, das eigene Immobilien sowie</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps952 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">als Finanzinvestition und zur Ver\u00e4u\u00dferung gehaltene</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Immobilien umfasst. Die Quantifizierung des Immobilienrisikos</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">im Rahmen der Risikoinventur erfolgt auf Basis eines</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:118.66pt\">vereinfachten VaR-Ansatzes.</span><span class=\"f charStyle-34546584 ps8768\" style=\"width:2.36pt\"> </span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Pensionsrisiko </span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Das Pensionsrisiko bezieht sich auf das Risiko, dass die</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Pensionsr\u00fcckstellungen nicht ausreichend hoch sind, um</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">potenzielle Verluste aus Abweichungen zwischen den</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">tats\u00e4chlichen Pensionen und einem bestimmten Zielwert</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">abzudecken, der sich auf eine bestimmte</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Wiederveranlagungsrate, Pensionszahlung oder</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Lebenserwartung beziehen k\u00f6nnte. Die</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Pensionsr\u00fcckstellungen des Konzerns werden von einem</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">externen Versicherungsmathematiker nach dem</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Anwartschaftsbarwertverfahren (Projected Unit Credit</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Method) berechnet. Alle verwendeten</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">versicherungsmathematischen Annahmen basieren auf</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps972 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Erfahrungswerten der Vergangenheit und werden an</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:141.68pt\"><span style=\"background-color:inherit\">erwartete \u00c4nderungen angepasst.</span></span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Der Abzinsungsfaktor basiert auf den aktuellen Zinss\u00e4tzen.</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps2404 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262pt\"><span style=\"background-color:inherit\">Risiken, die sich aus der Ver\u00e4nderung des Abzinsungsfaktors</span></span><span class=\"f charStyle-5a2826df ps186\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">ergeben, werden bei der Berechnung des Marktrisikos</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:61.07pt\"><span style=\"background-color:inherit\">ber\u00fccksichtigt.</span></span><span class=\"f charStyle-5a2826df ps8769\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Zu den Hauptrisiken f\u00fcr den Konzern in Bezug auf</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Pensionsverpflichtungen geh\u00f6ren neben dem Zinsrisiko auch</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Gehaltssteigerungen, die h\u00f6her als erwartet ausfallen, sowie</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:186.95pt\"><span style=\"background-color:inherit\">\u00c4nderungen der demografischen Annahmen.</span></span><span class=\"f charStyle-5a2826df ps8770\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:261.98pt\"><span style=\"background-color:inherit\">Bei der Mehrzahl der neuen Pensionspl\u00e4ne handelt es sich um</span></span><span class=\"f charStyle-5a2826df ps1445\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">beitragsorientierte Pl\u00e4ne, bei denen das endg\u00fcltige Risiko bei</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">einer Pensionskasse liegt. Die Verpflichtungen aus</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">leistungsorientierten Pl\u00e4nen beziehen sich gro\u00dfteils auf</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Pensionspl\u00e4ne, die in der Vergangenheit implementiert</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">wurden, und die Mehrheit der Beg\u00fcnstigten befindet sich</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">bereits im Ruhestand. Daher besteht nur ein begrenztes Risiko,</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">dass Gehaltserh\u00f6hungen f\u00fcr aktive Mitarbeiter einen Einfluss</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:114.54pt\"><span style=\"background-color:inherit\">auf die R\u00fcckstellung haben.</span></span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">F\u00fcr die Ermittlung des Pensionsrisikos gelangt eine</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vereinfachte Quantifizierungsmethode basierend auf</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Expertensch\u00e4tzung und historischen Beobachtungen zur</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:52.36pt\">Anwendung.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfFinancialRiskManagementExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-784": {
   "value": "<div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-6423092b ps2\">RISIKOBERICHT</span></div><div class=\"ps330 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die BAWAG operiert auf einem Businessmodell, das auf Retail</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps331 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">&amp; SME fokussiert ist, und durch Corporates, Real Estate und</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps332 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Public Sector erg\u00e4nzt wird. Geographisch gesehen, ist die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps333 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">BAWAG auf entwickelte L\u00e4nder, wie \u00d6sterreich, Deutschland,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps334 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">die Niederlande, Irland, dem Vereinigten K\u00f6nigreich, der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps34 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Schweiz sowie den Vereinigten Staaten (USA), ausgerichtet. All</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps335 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">diese Staaten haben ein L\u00e4nder Rating von zumindest AA-</span></div><div class=\"ps48 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Rating sowie stabile rechtliche und politische</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps336 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Rahmenbedingungen. Unsere Bankgesch\u00e4fte werden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps337 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">haupts\u00e4chlich durch stabile Privatkundeneinlagen finanziert. In</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps338 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Kombination mit Hypotheken sowie gedeckten Anleihen des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps339 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">\u00f6ffentlichen Sektors macht die Kundenfinanzierung mehr als</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps340 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">90% der Finanzierungen der BAWAG aus. Einfachheit und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps341 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Effizienz stehen im Mittelpunkt unserer Arbeit. Wir sind</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps342 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">bestrebt, Prozessen durchg\u00e4ngig zu optimieren und unseren</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps343 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kunden einfache und intuitive Finanzprodukte und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps344 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:5.08pt\">\u2212</span><span class=\"f charStyle-7973db00 ps7227\" style=\"width:5.25pt\">d</span><span class=\"f charStyle-34546584 ps7228\" style=\"width:114.77pt\">ienstleistungen anzubieten.</span><span class=\"f charStyle-34546584 ps7229\" style=\"width:2.36pt\"> </span></div><div class=\"ps346 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Unser Gesch\u00e4ftsmodell und unsere langfristige Entwicklung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">spiegeln unseren konservativen Risikoappetit wider.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps347 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Risikomanagement und aktive Steuerung von Risiken sind</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps348 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">integrale Bestandteile der Gesch\u00e4ftsstrategie des Konzerns</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps349 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">und der Schl\u00fcssel zum Erreichen unserer strategischen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps350 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">finanziellen Ziele. Diese Vorgehensweise erm\u00f6glicht uns die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps351 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Schaffung von Mehrwert f\u00fcr unsere Stakeholder, einschlie\u00dflich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:95.76pt\">Aktion\u00e4re und Kunden.</span></div><div class=\"ps16 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:152.31pt\">Die Aufrechterhaltung eines </span><span class=\"f charStyle-81af04f8 ps7230\" style=\"width:109.72pt\">sicheren und soliden</span><span class=\"f charStyle-81af04f8 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps354 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:60.69pt\">Risikoprofils, </span><span class=\"f charStyle-34546584 ps7231\" style=\"width:201.34pt\">als zentraler Pfeiler unserer Konzernstrategie</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps17 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:238.49pt\">und Risikopolitik, basiert auf den folgenden Grunds\u00e4tzen:</span></div><div class=\"ps7232 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Umfassendes und vorausschauendes Risikomanagement-</span></div><div class=\"ps7233 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:47.14pt\">Framework</span></div><div class=\"ps5110 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Beibehaltung einer starken Kapitalposition, stabiler</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps5111 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Privatkundeneinlagen und eines niedrigen Risikoprofils</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps5112 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:175.84pt\">durch Fokus auf risikoadjustierte Renditen</span></div><div class=\"ps5114 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:237.86pt\">Fokus auf etablierte, entwickelte und nachhaltige M\u00e4rkte</span></div><div class=\"ps5116 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Anwendung einer konservativen und disziplinierten</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps5117 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Kreditvergabe mit Schwerpunkt auf besicherte Kredite zur</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps5118 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:215.34pt\">Aufrechterhaltung einer sicheren und soliden Bilanz</span></div><div class=\"ps5120 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Proaktives Management und Reduzierung</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5121 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">nicht\u2212finanzieller Risiken inklusive</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps5122 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:140.52pt\">nachhaltigkeitsbezogener\u00a0 Risiken</span></div><div class=\"ps364 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-fef355dc ps2\"><span style=\"background-color:inherit\">Zusammenfassung des Jahres 2025</span></span></div><div class=\"ps5125 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Unsere Hauptm\u00e4rkte in \u00d6sterreich, Deutschland, den</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps5126 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Niederlanden, Irland, dem Vereinigten K\u00f6nigreich, der</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps5127 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Schweiz und den USA werden durch ein stabiles</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Besch\u00e4ftigungsniveau und eine starke finanzielle Position</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">unserer Kunden gest\u00fctzt. Dennoch bestehen</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Abw\u00e4rtsrisiken, einschlie\u00dflich (aber nicht darauf</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">beschr\u00e4nkt) anhaltender geopolitischer Spannungen,\u00a0 des</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Potenzials f\u00fcr eine anhaltende hohe Inflation und einer sich</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">verst\u00e4rkenden Konjunkturabschw\u00e4chung. Solche Risiken</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">w\u00fcrden insbesondere f\u00fcr Unternehmen oder Kunden mit</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">hoher Verschuldung wirtschaftliche Schwachstellen</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">aufzeigen, zu gro\u00dfer Unsicherheit f\u00fchren und sich negativ</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">auf die Investitionen der Unternehmen auswirken. Wir sind</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.83pt\"><span style=\"background-color:inherit\">der Ansicht, dass die BAWAG dank ihres umsichtigen</span></span><span class=\"f charStyle-5a2826df ps1478\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Risikomanagements und ihrer langj\u00e4hrigen konservativen</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Kreditvergabegrunds\u00e4tze gut positioniert ist, um</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">ung\u00fcnstigen Entwicklungen standzuhalten. Durch die</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Aufrechterhaltung angemessener R\u00fccklagen, eines hohen</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Kapital- und Liquidit\u00e4tsniveaus, das weit \u00fcber den</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">regulatorischen Anforderungen liegt, und stabiler</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Finanzierungsquellen, bleiben wir vorsichtig und</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:49.18pt\"><span style=\"background-color:inherit\">gewappnet.</span></span><span class=\"f charStyle-5a2826df ps7234\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Im ersten Quartal 2025 hat die BAWAG den Kauf der</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Barclays Consumer Bank Europe (umbenannt zu Easybank)</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">abgeschlossen, welche unser Retail &amp; SME-Gesch\u00e4ft weiter</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">erg\u00e4nzt hat. Der Zukauf erfolgt in kompletter</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">\u00dcbereinstimmung mit der Risikostrategie und dem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Risikoappetit der BAWAG und gemeinsam mit Knab (Kauf</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">wurde im 4. Quartal 2024 abgeschlossen) wird er unseren</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">geographischen Fu\u00dfabdruck weiter diversifizieren. Beide</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Portfolios wurden in den BAWAG-weiten</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Risikomanagementprozess, von Tag eins des Abschlusses</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">der Transaktionen an, integriert, um eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">\u00dcbereinstimmung mit den regulatorischen Anforderungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">sicherzustellen. Die Implementierung der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">BAWAG\u2212Konzernrichtlinien, Modelle und Prozesse wurde</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">f\u00fcr beide Akquisitionen im vierten Quartal 2025</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:62.61pt\">abgeschlossen.</span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Die hohe Qualit\u00e4t der Aktiva zeigt sich durch einen hohen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Anteil der Kundenforderungen in Stufe 1 (Performing) von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">94% (2024: 95%) und lediglich 4% in Stufe 2 (Performing,</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">aber erh\u00f6htes Kreditrisiko) (2024: 4%). Der weiterhin</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">geringe Anteil der Stufe-2-Kundenaktiva am</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Gesamtbestand spiegelt unsere disziplinierten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Kreditvergabestandards und die Kreditqualit\u00e4t wider.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Aufgrund des gleichbleibenden Trends best\u00e4tigt dies die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">\u00dcbereinstimmung der erworbenen Unternehmen mit</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:95.74pt\">unserem Risikoappetit.</span><span class=\"f charStyle-34546584 ps7235\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Starkes Kreditrisikoprofil mit einer niedrigen NPL-Quote</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">von 0,8% (2024: 0,8%), einer angestiegenen NPL-</span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:228.19pt\">Wertberichtigung-Besicherungsquote von 55% (2024: </span><span class=\"f charStyle-e63b9797 ps7236\" style=\"width:19.69pt\">47%)</span><span class=\"f charStyle-e63b9797 ps208\" style=\"width:2.11pt\"> </span></div><div class=\"ps1530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps369\" style=\"width:200.8pt\">und einer NPL-Deckungsquote von 68% (2024: 71%</span><span class=\"f charStyle-34546584 ps7237\" style=\"width:5.75pt\">).</span><span class=\"f charStyle-34546584 ps7238\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Die Risikokosten des Jahres 2025 von 228 Mio.\u00a0\u20ac (2024:</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">82\u00a0Mio.\u00a0\u20ac) entsprechen einer Erh\u00f6hung auf 41 Basispunkte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1534 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">2025 (2024: 19 Basispunkte) und zeigen die erwartete</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1535 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Erh\u00f6hung folgend der Integration der neuen Akquisitionen</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">in 2025, wobei die Risikokosten im Jahr 2024 positiv durch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">die vollst\u00e4ndige Aufl\u00f6sung des ECL-Overlays beeinflusst</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:34.56pt\">wurden.</span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:225.14pt\">Robuste Liquidit\u00e4tsposition mit einer LCR-Quote von </span><span class=\"f charStyle-34546584 ps7239\" style=\"width:22.72pt\">204%</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:39.16pt\">(2024: </span><span class=\"f charStyle-34546584 ps7240\" style=\"width:22.72pt\">249%</span><span class=\"f charStyle-34546584 ps7241\" style=\"width:185.98pt\">) und einer Net-stable-funding-Quote</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:81.05pt\">(NSFR\u2212Quote) von </span><span class=\"f charStyle-34546584 ps7242\" style=\"width:26.16pt\">142% </span><span class=\"f charStyle-34546584 ps7243\" style=\"width:29.98pt\">(2024: </span><span class=\"f charStyle-34546584 ps7244\" style=\"width:22.72pt\">147%</span><span class=\"f charStyle-34546584 ps7245\" style=\"width:87.98pt\">). Beide Quoten sind</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:235.56pt\">damit deutlich \u00fcber den regulatorischen Anforderungen.</span><span class=\"f charStyle-34546584 ps7246\" style=\"width:2.36pt\"> </span></div><div class=\"ps6009 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:360pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:54.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:54.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss36\"><div><div class=\"ps276 ss34\"><span class=\"f charStyle-9f85f029 ps36\">Entwicklung der wichtigsten Risikokennzahlen <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss524\"><div><div class=\"ps1091 ss34\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps3606 ss526\"><div><div class=\"ps281 ss525\"><span class=\"f charStyle-c5fdbd46 ps7247\">Gesamtportfolio</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss524\"><div><div class=\"ps277 ss34\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7248 ss490\"><div><div class=\"ps281 ss319\"><span class=\"f charStyle-36b68314 ps5957\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7250 ss490\"><div><div class=\"ps281 ss319\"><span class=\"f charStyle-37455c2a ps7249\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7090 ss490\"><div><div class=\"ps624 ss319\"><span class=\"f charStyle-b27625d4 ps7251\">Ver\u00e4nderung </span></div><div class=\"ps281 ss319\"><span class=\"f charStyle-b27625d4 ps7252\">(Pkt.)</span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">NPL-Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7254 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7253\"></span><span class=\"ps7253\">0,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps7255 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7253\"></span><span class=\"ps7253\">0,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps7256 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">0,0<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Wertberichtungdeckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7258 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7257\"></span><span class=\"ps7257\">55,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7259 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7257\"></span><span class=\"ps7257\">47,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7260 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">7,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Deckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7261 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7257\"></span><span class=\"ps7257\">68,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7262 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7257\"></span><span class=\"ps7257\">70,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7263 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4675\">-2,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7264 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34 ps3432\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7265 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps3432\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7266 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps3432\">132<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">Stage 2 F\u00f6rderungen Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7268 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7253\"></span><span class=\"ps7253\">4,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7269 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7253\"></span><span class=\"ps7253\">4,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7270 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps4687\">0,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">LCR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7272 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7271\"></span><span class=\"ps7271\">204%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7273 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7271\"></span><span class=\"ps7271\">249%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7275 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps7274\">-45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss35\"><div><div class=\"ps40 ss34\"><span class=\"f charStyle-37455c2a ps36\">NSFR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7276 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-71900c34\"><span class=\"ps7271\"></span><span class=\"ps7271\">142%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7277 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7271\"></span><span class=\"ps7271\">147%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7106 ss324\"><div><div class=\"ps40 ss319\"><span class=\"f charStyle-cc1eb9a4 ps7278\">-5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss527\"><div><div class=\"ps4208 ss34\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><span class=\"f charStyle-b1e544a7 ps2852\">Risk Governance</span><div class=\"ps7280 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Risikobeurteilung</span></div><div class=\"ps6263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die Gesch\u00e4ftst\u00e4tigkeit der BAWAG konzentriert sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vorwiegend auf das Privatkundengesch\u00e4ft in unseren</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kernm\u00e4rkten sowie auf risikoarme \u00f6ffentliche Finanzierungen,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">selektives Firmenkundengesch\u00e4ft und Gewerbeimmobilien-</span></div><div class=\"ps6267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Finanzierungen in etablierten M\u00e4rkten, die ein angemessenes</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7281 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risiko-Ertrags-Profil aufweisen. Dabei geht die Gruppe die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">branchenspezifischen Risiken sowie jene der Wirtschaft im</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6270 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Allgemeinen ein. Die BAWAG \u00fcberwacht diese Risiken und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7282 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">steuert sie innerhalb eines strikten und umfassenden</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps6271 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Risikomanagementregelwerks, und stellt eine angemessene</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6272 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Kapital- und Liquidit\u00e4tsausstattung sicher, sollten derartige</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps6273 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:73.11pt\">Risiken eintreten.</span></div><div class=\"ps7283 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die BAWAG hat ein umfassendes und vorausschauendes</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7284 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risikomanagementsystem entwickelt, das die Art, den Umfang</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7285 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">und die Komplexit\u00e4t der Gesch\u00e4ftsaktivit\u00e4ten des Konzerns</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7286 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und die daraus resultierenden Risiken ber\u00fccksichtigt. Die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7287 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risikomanagement-Governance und -\u00dcberwachung der</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7288 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">BAWAG beinhaltet das Verst\u00e4ndnis von Risikotreibern,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7289 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risikoarten und Auswirkungen von Risiken. Risikoansatz,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7290 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Risikoappetit und Governance-Rahmenwerk der BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7291 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:87.59pt\">bleiben unver\u00e4ndert.</span></div><div class=\"ps7292 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Grunds\u00e4tze des Risikomanagements</span></div><div class=\"ps7293 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das Risikomanagement der BAWAG basiert auf den folgenden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7294 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:55.61pt\">Grunds\u00e4tzen:</span></div><div class=\"ps7295 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Risikobewusste Kultur: Risikomanagement ist eine</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7296 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">gemeinsame Anstrengung aller Gesch\u00e4ftseinheiten und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps7297 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Risikomanagementbereiche. Wir haben in der gesamten</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps7298 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Gruppe eine risikobewusste Kultur etabliert, die eine</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7299 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:211.77pt\">risikobasierte Entscheidungsfindung gew\u00e4hrleistet.</span></div><div class=\"ps7300 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Umsichtiger Umgang mit Risiken und Kreditvergabe: Unser</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps7301 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">strategisches Bekenntnis zu einem niedrigen Risikoprofil</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7302 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">spiegelt sich in unserem Fokus auf entwickelte M\u00e4rkte,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7303 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">unseren konservativen Kreditvergaberichtlinien mit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7304 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Schwerpunkt auf besichertem Gesch\u00e4ft und Renditen,</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7305 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">einer starken Kapitalposition, einer Kundenfinanzierung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7306 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">bestehend aus Einlagen und gedeckten Anleihen, und der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7307 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:222.53pt\">proaktiven Steuerung nicht-finanzieller Risiken wider.</span></div><div class=\"ps7308 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Integriertes Risikomanagement: Wir steuern alle</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7309 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">relevanten Risikoarten auf einer konzernweiten Basis und</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7310 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">stellen so einen konsistenten und koh\u00e4renten Ansatz f\u00fcr</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7311 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">unsere Risikomanagementaktivit\u00e4ten in der gesamten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7312 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:60.8pt\">Gruppe sicher.</span></div><div class=\"ps7313 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Gut etablierte Risiko-Governance: Das Governance-</span></div><div class=\"ps7314 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Rahmenwerk gew\u00e4hrleistet eine strikte Trennung von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7315 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Gesch\u00e4fts- und Risikofunktionen auf allen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7316 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Organisationsebenen und tr\u00e4gt zur effektiven Umsetzung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7317 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">und Kontrolle des Risikoappetites sowie der Risikostrategie</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7318 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:72.65pt\">des Konzerns bei.</span></div><div class=\"ps7319 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Effektive Risikoanalyse und -steuerung sowie effektives</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7320 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Risikoreporting: Ein umfassendes Risikoreporting in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Verbindung mit ausgereiften Risikomess- und</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Validierungsverfahren, die alle wesentlichen Risikoarten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">abdecken, gew\u00e4hrleistet eine enge \u00dcberwachung und</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7324 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">fr\u00fchzeitige Erkennung entstehender Risiken. Die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Risikoanalyse wird durch solide und umfangreiche</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7326 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">Stresstests erg\u00e4nzt, die eine gezielte Identifizierung von</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps7327 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:201.49pt\">Risikoschwachstellen des Konzerns erm\u00f6glichen.</span></div><div class=\"ps7328 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Das implementierte Risikomanagement-Rahmenwerk</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7329 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">gew\u00e4hrleistet eine effektive Identifizierung, Messung und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7330 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Steuerung von Risiken in der gesamten BAWAG und bildet die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Grundlage f\u00fcr fundierte risikobasierte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Gesch\u00e4ftsentscheidungen. Dies erm\u00f6glicht uns, rasch und<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">proaktiv auf Markttrends oder andere, sich verschlechternde</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Entwicklungen zu reagieren, und unterst\u00fctzt die organische</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und anorganische Wachstumsstrategie der Gruppe innerhalb</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:107.62pt\">des Gesamtrisikoappetits.</span></div><div class=\"ps1404 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Risikoappetit</span></div><div class=\"ps1051 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Risikostrategie der BAWAG ist vollst\u00e4ndig auf die</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1052 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gesamtgesch\u00e4ftsstrategie des Konzerns abgestimmt ist. Der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1053 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Vorstand definiert und genehmigt den Risikoappetit und die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1054 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Risikostrategie auf j\u00e4hrlicher Basis. Das erm\u00f6glicht es uns,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1055 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">unsere Risiken besser zu steuern, indem wir\u00a0 sowohl qualitativ</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1056 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">als auch quantitativ festlegen, wie viel und welche Art von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Risiko wir eingehen m\u00f6chten. Der Risikoappetit dient als</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1059 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Einschr\u00e4nkung und bildet die Grundlage f\u00fcr die Allokation des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">vordefinierten verf\u00fcgbaren internen Kapitals um gezielt</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risiken, unter Ber\u00fccksichtigung der regulatorischen und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">\u00f6konomischen Rahmenbedingungen, der Liquidit\u00e4tsposition</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:250.11pt\">und der Profitabilit\u00e4tserwartungen der Gruppe, einzugehen.</span></div><div class=\"ps7332 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ps131\"><div class=\"ps1\"><img alt=\"image.png\" id=\"i-23\" 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\" style=\"height:179.68pt;width:262.06pt\"/></div></div></div><div class=\"ps7333 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Governance-Rahmenwerk</span></div><div class=\"ps7334 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die etablierte Risiko-Governance stellt die Umsetzung der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7335 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Risikostrategie der Gruppe durch die operativen und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7336 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">strategischen Risikomanagementfunktionen und die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7337 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">relevanten Komitees der BAWAG sicher. Der Ansatz der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7338 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">BAWAG in Bezug auf Risiken basiert auf einem koordinierten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7339 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kontrollframework und wird durch eine starke</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7340 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Risikomanagementkultur und -struktur verwaltet. Die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7341 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Governance wird vom Vorstand durch die Delegation von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7342 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Befugnissen innerhalb der Managementhierarchie</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7343 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sichergestellt und durch entsprechende Komitees unterst\u00fctzt,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7344 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">um eine fundierte Entscheidungsfindung und Kommunikation</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7345 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:64.46pt\">sicherzustellen.</span></div><div class=\"ps7346 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Der Vorstand wird monatlich bzw. anlassbezogen \u00fcber die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7347 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gesamtrisikosituation und m\u00f6gliche zuk\u00fcnftige Entwicklungen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">informiert. Die Risikoberichterstattung basiert auf klar</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">definierten Risikokennzahlen und umfasst alle S\u00e4ule-I- und</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">S\u00e4ule-II-relevanten Themen (wobei sich S\u00e4ule I auf die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">aufsichtsrechtlichen Mindestkapitalanforderungen und S\u00e4ule II</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">auf die Bewertung der internen Kapitalad\u00e4quanz gem\u00e4\u00df dem</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Basel-Rahmenwerk bezieht, um alle Risiken abzudecken,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">denen die Gruppe \u00fcber die Mindestkapitalanforderungen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">potenziell ausgesetzt sein kann). Risikoberichte werden auf</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">viertelj\u00e4hrlicher Basis dem Risikoausschuss des Aufsichtsrates</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">vorgelegt. Die Risikomanagementrichtlinien werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">regelm\u00e4\u00dfig \u00fcberpr\u00fcft, um Ver\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Konzernstrategie, der regulatorischen Anforderungen sowie</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">der Marktbedingungen zu ber\u00fccksichtigen. Besonderes</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Augenmerk wird dabei auf Adaptierungen in Bezug auf die</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:164.77pt\">Expansionsstrategie der BAWAG gelegt.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Potenzielle neue Risiken sowie regulatorische Entwicklungen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">werden beobachtet, um m\u00f6gliche Auswirkungen auf das</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:213.16pt\">Risikomanagement und die Strategie zu evaluieren.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Der Chief Risk Officer (CRO) der BAWAG ist gemeinsam mit</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">den relevanten Risikomanagementfunktionen f\u00fcr die</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Umsetzung und Einhaltung der definierten Risikostrategie f\u00fcr</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">alle Risikoarten verantwortlich. Diese bilden die unabh\u00e4ngige</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:117pt\">Risikomanagementfunktion.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die folgenden Bereiche \u00fcberwachen die Umsetzung und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Durchf\u00fchrung der risikobezogenen Richtlinien (Stand</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:52.42pt\">31.12.2025):</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:168.61pt\">Enterprise Risk Management &amp; Analytics</span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:42.23pt\">Validation</span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:126.46pt\">Commercial Risk Management</span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:100.56pt\">Retail Risk Management</span><span class=\"f charStyle-34546584 ps7348\" style=\"width:2.36pt\"> </span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:111.16pt\">Group Sustainability Office</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Dar\u00fcber hinaus ist die Abteilung Kreditrisiko-Reporting f\u00fcr das</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">interne und externe Reporting des Kreditrisikoportfolios sowie</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">f\u00fcr den Forecast von Risiko-KPIs inklusive Risikokosten des</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Konzerns sowie der Tochtergesellschaften verantwortlich. Die</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Abteilung ist dem Bereich Commercial Risk und dem Bereich</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Retail Risk Management (gemeinsame Berichterstattung)</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:46.15pt\"><span style=\"background-color:inherit\">unterstellt.</span></span><span class=\"f charStyle-5a2826df ps7349\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Ein wirksames Compliance- und Risikomanagement ist ein</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">entscheidender Aspekt f\u00fcr den Erfolg einer Bank. Neben den</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">herk\u00f6mmlichen Risikoarten gewinnt auch das gruppenweite</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Management von nicht-finanziellen Risiken sowie von</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Umwelt-, Sozial- und Unternehmensverantwortung</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">zunehmend an Bedeutung. Daher wurden ein ESG-</span></span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Rahmenwerk sowie eine korrespondierende ESG-Strategie</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">innerhalb der gruppenweiten (Risiko-)Organisation</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">implementiert, unter Ber\u00fccksichtigung regulatorischer</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Anforderungen und Implikationen aus der</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:125.09pt\"><span style=\"background-color:inherit\">Risikomaterialit\u00e4tsbewertung.</span></span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Die BAWAG f\u00f6rdert eine Risikokultur, die</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">nachhaltigkeitsbezogene Risiken, inklusive klima- und</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">umweltbezogene Risiken, ber\u00fccksichtigt. Als Teil der</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">konzernweiten Integration von Nachhaltigkeit wurden</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Verantwortlichkeiten in die jeweiligen Funktionen eingebettet,</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">was unsere Auffassung widerspiegelt, dass Nachhaltigkeit eher</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">ein integraler Bestandteil unseres Betriebsmodells, als eine</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">eigenst\u00e4ndige Einheit ist. Zu diesem Zweck hat die Gruppe</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">eine Governance-Struktur eingerichtet, um sicherzustellen,</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">dass die Identifizierung, Messung, Bewertung, das</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Management und die \u00dcberwachung von</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">nachhaltigkeitsbezogenen Risiken vollst\u00e4ndig \u00fcber alle</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Organisationseinheiten hinweg in das Risikomanagement-</span></span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Framework integriert ist, und kontinuierlich weiter entwickelt</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:21.33pt\"><span style=\"background-color:inherit\">wird:</span></span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Aufsichtsrat: Nachhaltigkeitsbezogene Risiken werden</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">sowohl im viertelj\u00e4hrlichen RCC als auch im regul\u00e4ren</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:130.51pt\"><span style=\"background-color:inherit\">Aufsichtsratsupdate behandelt.</span></span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Vorstand: Der Vorstand erh\u00e4lt zumindest viertelj\u00e4hrlich ein</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:209.93pt\"><span style=\"background-color:inherit\">Update zu den nachhaltigkeitsbezogenen Themen.</span></span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Group Sustainability Office: Dieser Bereich koordiniert</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Initiativen, Strategien, etc. im Bereich Nachhaltigkeit \u00fcber</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><span class=\"f charStyle-34546584 ps956\" style=\"width:129.18pt\">alle Konzernfunktionen hinweg</span><span class=\"f charStyle-b1e544a7 ps2852\">ICAAP und Stresstest</span><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Der \u201eInternal Capital Adequacy Assessment Process\u201c (ICAAP)</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps952 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">bildet die zentral koordinierte Grundlage des</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Risikomanagements der BAWAG und umfasst Gesch\u00e4fts-,</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Finanz- und Risikoprozesse, die die Angemessenheit der</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Kapitalausstattung der BAWAG beurteilen und jederzeit</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps955 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">sicherstellen. Dazu geh\u00f6ren die Ber\u00fccksichtigung des</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Risikoprofils und die Qualit\u00e4t des Risikomanagements und des</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Kontrollumfelds. In \u00dcbereinstimmung mit dem ICAAP-</span></span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Leitfaden der EZB hat die BAWAG zwei ICAAP-Perspektiven</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">implementiert, die normative und die \u00f6konomische</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Perspektive, um die Kapitalad\u00e4quanz sowohl gem\u00e4\u00df den</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">aufsichtsrechtlichen Anforderungen als auch im</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Zusammenhang mit der \u00f6konomischen Perspektive \u00fcber einen</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">mehrj\u00e4hrigen Zeitraum f\u00fcr alle Risiken der BAWAG zu</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">beurteilen. Dabei werden in beiden Perspektiven dieselben</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:256.21pt\"><span style=\"background-color:inherit\">Stressszenarien (Basis- und Negativszenario) zugrunde gelegt.</span></span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:261.98pt\"><span style=\"background-color:inherit\">Die Ziele des ICAAP der BAWAG umfassen alle Prozesse und</span></span><span class=\"f charStyle-5a2826df ps1445\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:233.59pt\"><span style=\"background-color:inherit\">Ma\u00dfnahmen, um die folgenden Aspekte sicherzustellen:</span></span></div><div class=\"ps7352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">die angemessene Identifizierung, Beurteilung, Messung,</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:158.32pt\"><span style=\"background-color:inherit\">Bewertung und Steuerung von Risiken</span></span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">ein angemessenes internes Kapital im Verh\u00e4ltnis zum</span></span><span class=\"f charStyle-5a2826df ps1526\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:46.55pt\"><span style=\"background-color:inherit\">Risikoprofil</span></span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:148.91pt\"><span style=\"background-color:inherit\">eine angemessenes Liquidit\u00e4tsprofil</span></span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:242.2pt\"><span style=\"background-color:inherit\">die angemessene Qualit\u00e4t der internen Kapitalausstattung</span></span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">den Einsatz und die Weiterentwicklung von geeigneten</span></span><span class=\"f charStyle-5a2826df ps1526\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:118.99pt\"><span style=\"background-color:inherit\">Risikomanagementsystemen</span></span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Die konzernweiten ICAAP-Prozesse laufen in enger</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Abstimmung mit den Planungs- und Budgetierungsprozessen</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">und sind damit in das proaktive</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:173.61pt\"><span style=\"background-color:inherit\">Gesamtbankrisikomanagement integriert.</span></span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Auf j\u00e4hrlicher Basis wird im Rahmen eines Risk Self-</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Assessment (RSA) die Risikosituation der BAWAG quantitativ</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">und qualitativ bewertet. Alle im Zusammenhang mit der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Umsetzung der Gesch\u00e4ftsstrategie stehenden Risiken im</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Rahmen des RSAs werden hinsichtlich ihres Ausma\u00dfes sowie</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">ihrer Materialit\u00e4t und ihres Einflusses auf die BAWAG<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:39.41pt\">evaluiert.</span></div><div class=\"ps7354 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-923e3646 ps185\"><span style=\"background-color:inherit\">Normative Perspektive</span></span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Die normative Perspektive beurteilt, ob die Gruppe</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">mittelfristig in der Lage ist, unter Anwendung</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">unterschiedlicher makro\u00f6konomischer Szenarien</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">(einschlie\u00dflich starker wirtschaftlicher Abschw\u00fcnge) alle</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">quantitativen regulatorischen und aufsichtsrechtlichen</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:112.34pt\"><span style=\"background-color:inherit\">Anforderungen zu erf\u00fcllen.</span></span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Im Rahmen der normativen Perspektive prognostiziert die</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps952 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">BAWAG alle wesentlichen Risiken \u00fcber einen mittelfristigen</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Zeitraum. Dies umfasst alle S\u00e4ule-I-Risiken (Kreditrisiko,</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Marktrisiko, Operationelles Risiko) sowie alle wesentlichen</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Risiken. Die BAWAG bewertet diese Risiken viertelj\u00e4hrlich</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps955 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">hinsichtlich ihrer Auswirkungen auf den Kapitalbedarf (RWA)</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">und die Rentabilit\u00e4t (P&amp;L) Die folgenden Risikoarten werden</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:118.33pt\"><span style=\"background-color:inherit\">betrachtet und quantifiziert:</span></span></div><div class=\"ps962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Kreditrisiko: Die Quantifizierung des Kreditrisikos basiert</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">auf dem regulatorischen Ansatz (Standardized, Advanced</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7355 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">und Foundation IRB) und wird in der Kapitalsicht (RWA)</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">ber\u00fccksichtigt. Verluste aus Kreditrisiken werden auch in</span></span><span class=\"f charStyle-5a2826df ps1526\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps966 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">der GuV-Sicht in Form von erwarteten Kreditverlusten</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps967 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:61.07pt\"><span style=\"background-color:inherit\">ber\u00fccksichtigt.</span></span><span class=\"f charStyle-5a2826df ps7356\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Einzelnamenkonzentrationsrisiko: betrifft wirtschaftliche</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7358 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Kreditnehmergruppen, die hinreichend relevant und daher</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7359 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">in Bezug auf den Kapitalverbrauch miteinander verbunden</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7360 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">sind und auf Einzelbasis \u00fcberwacht und gesteuert werden.</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Die wichtigsten Kapitalverbraucher werden im Rahmen des</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">adversen ICAAP-Szenarios zus\u00e4tzlich durch eine h\u00f6here</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7362 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:178.39pt\"><span style=\"background-color:inherit\">Ausfallswahrscheinlichhkeit ber\u00fccksichtigt.</span></span><span class=\"f charStyle-5a2826df ps7361\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Marktrisiko: Die Quantifizierung des Marktrisikos f\u00fcr das</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Handelsbuch basiert auf dem regulatorischen Ansatz und</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">wird in der Kapitalsicht (RWA) ber\u00fccksichtigt. Derzeit h\u00e4lt</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">die Gruppe keine Positionen im Handelsbuch. Die BAWAG</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">hat Zins\u00e4nderungsrisiken im Bankbuch und Credit-Spread-</span></span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Risiken als materielle Marktrisiken klassifiziert. Diese</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">finden entsprechend in der GuV-Sicht (Nettozinsertrag,</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:235.95pt\"><span style=\"background-color:inherit\">Bewertungsergebnis, sonstige Ertr\u00e4ge) Ber\u00fccksichtigung.</span></span><span class=\"f charStyle-5a2826df ps7363\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Operationelles Risiko: Die Quantifizierung des</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">operationellen Risikos erfolgt basierend auf dem</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Standardised Measurement Approach (SMA). Die</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Quantifizierung wird durch zus\u00e4tzliche Informationen</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">bereichert, wie etwa Risiken, die im RCSA-Prozess bewertet</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:182.76pt\">werden, historische Verluste und Szenarien.</span></div><div class=\"ps3933 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">\u00d6konomische Perspektive</span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Die \u00f6konomische Perspektive stellt auf Basis eines</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">mehrj\u00e4hrigen Zeithorizonts alle wesentlichen und nicht</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">wesentlichen quantifizierbaren Risiken dem internen Kapital</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">gegen\u00fcber. F\u00fcr alle quantifizierbaren Risikokategorien und</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:16.52pt\"><span style=\"background-color:inherit\">\u00a0 \u00a0 \u00a0  </span></span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">-portfolios werden im Rahmen der Risikostrategie im Einklang</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">mit der j\u00e4hrlichen Budget- und Strategieplanung Limite</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">festgelegt. Die Einhaltung der Limite wird monatlich anhand</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">der tats\u00e4chlichen sowie prognostizierten Auslastung</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:47.21pt\"><span style=\"background-color:inherit\">\u00fcberwacht.</span></span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">In der \u00f6konomischen Perspektive werden die folgenden</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:227.01pt\"><span style=\"background-color:inherit\">Risikoarten betrachtet und entsprechend quantifiziert:</span></span><span class=\"f charStyle-5a2826df ps7364\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7365 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Kreditrisiko: Die Quantifizierung des Kreditrisikos basiert</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7366 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">auf statistischen Modellen unter Anwendung von IRB sowie</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7367 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">von IFRS 9 \u00fcber den gesamten Zyklus hinweg mit</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7368 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Ber\u00fccksichtigung konservativer Risikoparameter (PD und</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7369 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">LGD) f\u00fcr alle wesentlichen Portfoliosegmente. Dies umfasst</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7370 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">auch nicht konsolidierte Beteiligungen (PD- und LGD-</span></span></div><div class=\"ps7371 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Ansatz), Verbriefungen als Originator (einschlie\u00dflich</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7372 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Risikotransfer und PD des Garantiegebers) und</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Verbriefungen als Investor (Monte-Carlo-Simulation).</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Zus\u00e4tzliche Kapitalpositionen werden f\u00fcr Einzelnamen-</span></span></div><div class=\"ps962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Kreditrisikokonzentrationen und f\u00fcr das</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">fremdw\u00e4hrungsinduzierte Kreditrisiko vorgehalten. Um</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7355 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Verluste aufgrund einer Verschlechterung des</span></span><span class=\"f charStyle-5a2826df ps961\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">Schuldnerratings abzudecken, hat die BAWAG</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps966 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:217.97pt\"><span style=\"background-color:inherit\">\u00f6konomisches Kapital f\u00fcr Migrationsrisiken alloziert.</span></span><span class=\"f charStyle-5a2826df ps7373\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps969 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps2\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps956\" style=\"width:50.34pt\"><span style=\"background-color:inherit\">Marktrisiko:</span></span><span class=\"f charStyle-5a08618b ps7374\" style=\"width:4.59pt\"><span style=\"background-color:inherit\"> </span></span><span class=\"f charStyle-5a2826df ps7375\" style=\"width:192.95pt\"><span style=\"background-color:inherit\">Die Quantifizierung des Zins\u00e4nderungsrisikos</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7357 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">im Bankbuch und des Credit-Spread-Risikos in der</span></span><span class=\"f charStyle-5a2826df ps959\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7358 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">\u00f6konomischen Sichtweise erfolgt auf Basis von Value-at-</span></span></div><div class=\"ps7359 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Risk-Modellen. Andere Marktrisiken, wie das Fondsrisiko</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7360 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps956\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">oder das Fremdw\u00e4hrungsrisiko oder Aktienrisiko im</span></span><span class=\"f charStyle-5a2826df ps957\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Bankbuch, werden mit \u00e4hnlichen Value-at-Risk- oder</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:195.44pt\"><span style=\"background-color:inherit\">Worst-Case-Bewertungsmodellen quantifiziert.</span></span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Liquidit\u00e4tsrisiko: Die Quantifizierung des strukturellen</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Liquidit\u00e4tsrisikos erfolgt auf Basis aktueller Liquidit\u00e4tsgaps</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">unter Verwendung angenommener potenzieller</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Verschlechterungen der eigenen Refinanzierungskosten.</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">F\u00fcr das Marktliquidit\u00e4tsrisiko im Anlagebuch und das FX-</span></span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Basis-Spread-Risiko werden Quantifizierungsverfahren auf</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:212.84pt\"><span style=\"background-color:inherit\">Basis historischer Worst-Case-Analysen verwendet.</span></span><span class=\"f charStyle-5a2826df ps7376\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Nicht-finanzielles Risiko: Das nicht-finanzielle Risiko</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">umfasst das operationelle Risiko im engeren Sinne und</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">weitere Subrisiken wie das Rechtsrisiko, das Betrugsrisiko,</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">das Compliance-Risiko, Verhaltensrisiken, Informations-</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">und Kommunikationsrisiken (IKT-Risiken) einschlie\u00dflich</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Cyberrisiken, Modellrisiken, Abwicklungs- und</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Prozessrisiken, das Risiko gegen\u00fcber Dritten inklusive dem</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Outsourcing-Risiko, Risiken, die sich aus externen</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1576 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Ereignissen ergeben, und Risiken, die sich aus</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Besch\u00e4ftigungspraktiken und der Sicherheit am</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">Arbeitsplatz ergeben, sowie das Reputationsrisiko. Die</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Quantifizierung des operationellen Risikos in der</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">\u00f6konomischen Perspektive basiert auf zwei Komponenten:</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Gesch\u00e4ftsindikatorkomponente (vereinfachte, f\u00fcr alle</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1558 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">Institute einheitliche Berechnung des Jahresergebnisses f\u00fcr</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1559 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">die Messung des operationellen Risikos) und interner</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">Verlustmultiplikator (Komponente mit bank-spezifischen</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">operationellen Verlustdaten); die beiden Komponenten</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.85pt\"><span style=\"background-color:inherit\">werden multipliziert, um die Kapitalanforderung f\u00fcr das</span></span><span class=\"f charStyle-5a2826df ps371\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.88pt\"><span style=\"background-color:inherit\">operationelle Risiko zu erhalten (Standardised</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:164.67pt\"><span style=\"background-color:inherit\">Measurement Approach gem. Basel IV).</span></span><span class=\"f charStyle-5a2826df ps7377\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-93fa70a2 ps185\" style=\"width:10.88pt\"><span style=\"background-color:inherit\">\u00e0</span><span class=\"f ps37\"> </span></span><span class=\"f charStyle-5a2826df ps369\" style=\"width:51.37pt\"><span style=\"background-color:inherit\">ESG-Risiken:</span></span><span class=\"f charStyle-5a08618b ps7378\" style=\"width:5.08pt\"><span style=\"background-color:inherit\"> </span></span><span class=\"f charStyle-5a2826df ps7379\" style=\"width:191.44pt\"><span style=\"background-color:inherit\">ESG-Risiken aus Kredit-, Markt,- Liquidit\u00e4ts-</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.87pt\"><span style=\"background-color:inherit\">und operationellen Risiken wurden explizite interne</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Kapitallimits basierend auf dem Assessment von ESG-</span></span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.84pt\"><span style=\"background-color:inherit\">Risiken in unserem Portfolio zugewiesen. Das ESG-Risiko ist</span></span><span class=\"f charStyle-5a2826df ps1526\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1514 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">insgesamt niedrig, da das Engagement in Branchen mit</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.89pt\"><span style=\"background-color:inherit\">hohem \u00dcbergangsrisiko wie dem Bereich fossiler</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:247.86pt\"><span style=\"background-color:inherit\">Brennstoffe und nat\u00fcrlicher Ressourcen gering ist und</span></span><span class=\"f charStyle-5a2826df ps1488\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps369\" style=\"width:159.5pt\"><span style=\"background-color:inherit\">physische Risiken gemanaged werden.</span></span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Sonstige Risiken: Diese Risikokategorie inkludiert das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1520 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Immobilienrisiko, das Gesch\u00e4ftsrisiko, das Pensionsrisiko,</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1521 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.84pt\">das systemische Risiko, das Risiko einer \u00fcberm\u00e4\u00dfigen</span><span class=\"f charStyle-34546584 ps1526\" style=\"width:2.36pt\"> </span></div><div class=\"ps1522 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Verschuldung, das makro\u00f6konomische Risiko, das</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1523 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Kapitalrisiko und das Versicherungsrisiko. Im Allgemeinen</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1524 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">wird das erforderliche \u00f6konomische Kapital f\u00fcr das</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1525 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">Immobilienrisiko, das systemische Risiko, das Risiko einer</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps1527 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">\u00fcberm\u00e4\u00dfigen Verschuldung und das Kapitalrisiko mittels</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1529 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">vereinfachten Value-at-Risk(VaR)-Modells mit einem</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1530 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Konfidenzniveau von 99,9% basierend auf den historischen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">j\u00e4hrlichen Verlusten, dem erwarteten durchschnittlichen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1532 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Verlust f\u00fcr das jeweilige Gesch\u00e4ftsjahr und der erwarteten</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Schwankungsbreite quantifiziert. W\u00e4hrend das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1534 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Pensionsrisiko mit einer vereinfachten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1535 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">Quantifizierungsmethode (basierend auf</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Expertensch\u00e4tzung und historischen Beobachtungen)</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">berechnet wird, wird kein zus\u00e4tzliches Kapital f\u00fcr das</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1481 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">makro\u00f6konomische Risiko bereitgestellt, da</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">makro\u00f6konomische Faktoren bei der Quantifizierung der</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">einzelnen Risikotypen unter Anwendung von validierten</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Modellen ber\u00fccksichtigt werden. Dar\u00fcber hinaus wird das</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Gesch\u00e4ftsrisiko auf verschiedenen Ebenen innerhalb der</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Gruppe abgedeckt (mehrj\u00e4hrige ICAAP \u00f6konomische und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">normative Perspektive, monatlicher MB-Bericht [Plan vs.</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Ist] usw.), daher w\u00fcrde eine zus\u00e4tzliche Kapitalallokation zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">einer Doppelunterlegung f\u00fchren. Das Versicherungsrisiko</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:137.08pt\">ist f\u00fcr die BAWAG nicht relevant.</span><span class=\"f charStyle-34546584 ps7380\" style=\"width:2.36pt\"> </span></div><div class=\"ps7382 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps2\">S</span><span class=\"f charStyle-b1e544a7 ps7381\">tresstests</span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Stresstests sind ein wichtiges Instrument des</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1059 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Risikomanagements, das sowohl f\u00fcr die Beurteilung der</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Gesch\u00e4ftsstrategie als auch f\u00fcr das operative</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Risikomanagement, wie z.B. die Risikoidentifizierung, die</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Risikobereitschaft und die Festlegung von Limiten, von Nutzen</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:12.46pt\"><span style=\"background-color:inherit\">ist.</span></span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Stresstests identifizieren potenzielle Schwachstellen des</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps976 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Gesch\u00e4ftsmodells und bewerten, ob f\u00fcr diese ausreichend</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">internes Kapital vorgehalten wird. Sie stellen sicher, dass die</span></span><span class=\"f charStyle-5a2826df ps150\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Gesch\u00e4ftsplanung nicht nur die erwartete wirtschaftliche</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Entwicklung ber\u00fccksichtigt, sondern Entwicklungen in einem</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262pt\"><span style=\"background-color:inherit\">stark negativen Umfeld in die Beurteilung mit einbezieht. Die</span></span><span class=\"f charStyle-5a2826df ps167\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Kapital- und Liquidit\u00e4tsniveaus, die unter solchen</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Stresssituationen getestet werden, dienen als Grundlage f\u00fcr</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">die Portfoliooptimierung, um m\u00f6gliche negative</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Entwicklungen zu begrenzen und eine ausreichende</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:144.43pt\"><span style=\"background-color:inherit\">Kapitalausstattung sicherzustellen.</span></span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Stresstests (inklusive der Ber\u00fccksichtigung beider ICAAP-</span></span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Perspektiven) sind vollst\u00e4ndig im gruppenweiten strategischen</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Risikomanagement, im Kapitalmanagement und in den</span></span><span class=\"f charStyle-5a2826df ps148\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps955 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:174.75pt\"><span style=\"background-color:inherit\">Planungsprozessen der BAWAG integriert.</span></span><span class=\"f charStyle-5a2826df ps7383\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Die Methodik und die Resultate der beiden ICAAP-</span></span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Perspektiven sowie der Stresstests werden quartalsweise im</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:261.99pt\"><span style=\"background-color:inherit\">ICAAP &amp; Stress Testing Committee (ISTC) besprochen und in</span></span><span class=\"f charStyle-5a2826df ps249\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">weiterer Folge an das Enterprise Risk Management berichtet.</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Das ERM ist f\u00fcr die Beurteilung der Ergebnisse verantwortlich,</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">um, falls notwendig, Korrekturma\u00dfnahmen bez\u00fcglich des</span></span><span class=\"f charStyle-5a2826df ps160\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Risikoappetits oder der Gesch\u00e4ftsstrategie zu definieren. Der</span></span><span class=\"f charStyle-5a2826df ps152\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Entwurf und die Genehmigung makro\u00f6konomischer Szenarien</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">f\u00fcr interne Stresstests werden an das Macroeconomic</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Scenario Committee (MSC) delegiert, das viertelj\u00e4hrlich vor</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">der Sitzung des ICAAP &amp; Stress Testing Committee (ISTC)</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:46.59pt\"><span style=\"background-color:inherit\">stattfindet.</span></span></div><div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Die Abh\u00e4ngigkeiten zwischen den beiden ICAAP-Perspektiven,</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">den Stresstests und der Kapitalsteuerung sind formal im</span></span><span class=\"f charStyle-5a2826df ps146\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:181.72pt\"><span style=\"background-color:inherit\">Rahmen der internen Governance definiert.</span></span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">Die im Rahmen der Eigenkapitalplanung festgelegten und vom</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Capital Management Meeting monatlich \u00fcberwachten</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Kapitalquoten dienen als Vergleichsgr\u00f6\u00dfe f\u00fcr die normative</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">Perspektive sowie f\u00fcr die Stresstests. Der Kapitalnotfallplan</span></span><span class=\"f charStyle-5a2826df ps205\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">wurde ausgearbeitet, um extreme Stressszenarien zu</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">ber\u00fccksichtigen. Im Rahmen der normativen Perspektive sowie</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">der Stresstests bewertet das Management, ob die</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262pt\"><span style=\"background-color:inherit\">Kapitalquoten unter Stress \u00fcber den Recovery Levels bleiben.</span></span><span class=\"f charStyle-5a2826df ps186\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262pt\"><span style=\"background-color:inherit\">Im Falle einer Verletzung der Recovery Levels sind</span></span><span class=\"f charStyle-5a2826df ps186\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Ma\u00dfnahmen zur ad\u00e4quaten Verbesserung der</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Kapitalausstattung zu treffen, um die Kapitalquoten auch in</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:226.19pt\"><span style=\"background-color:inherit\">einem Stressszenario \u00fcber den Recovery Levels zu halt</span></span><span class=\"f charStyle-34546584 ps7384\" style=\"width:13.04pt\">en.</span></div><span class=\"f charStyle-b1e544a7 ps2895\">Kreditrisiko</span><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Das Kreditrisiko umfasst das Kreditausfallrisiko, welches den</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1059 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">teilweisen oder kompletten Verlust einer Forderung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">gegen\u00fcber einem Kunden bedeutet, wenn dieser nicht zahlen</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps1063 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">kann oder will. Neben dem Kreditausfallrisiko sind auch das</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kreditkonzentrationsrisiko, das Kreditmigrationsrisiko, das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1068 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Devisenkreditrisiko, das Restrisiko aus</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kreditmigrationsrisikotechniken sowie das L\u00e4nderrisiko</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:125.28pt\">Bestandteile des Kreditrisikos.</span><span class=\"f charStyle-34546584 ps7385\" style=\"width:2.36pt\"> </span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Die BAWAG hat hohe Standards in Bezug auf</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kreditrisikoprozesse und -methoden definiert. Das Augenmerk</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">der Risikoorganisation liegt vor allem auf der st\u00e4ndigen</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Weiterentwicklung der Risikoquantifizierungsmethoden. F\u00fcr</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">alle Subportfolien gelten spezifische Standards, die regelm\u00e4\u00dfig</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">modelliert, \u00fcberwacht, statistisch kalibriert und validiert</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:34.28pt\">werden.</span></div><div class=\"ps1070 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps185\">Governance</span></div><div class=\"ps1071 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Im Rahmen des Kreditrisikomanagements besteht eine</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1072 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">funktionale Spezialisierung f\u00fcr die Kundensegmente Kommerz-</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1073 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">und Institutionelle Kunden (Commercial Credit Risk</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1074 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Management) sowie Privat- und Gesch\u00e4ftskunden (Retail Risk</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps1075 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Management). Das Credit Approval Committee (CAC), ein</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1076 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">spezielles Gremium auf Vorstandsebene, ist f\u00fcr die Bewilligung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1077 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">von Kreditantr\u00e4gen im Rahmen der Befugnisse, die in der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1078 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kompetenz- und Pouvoirordnung festgelegt sind,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7386 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">verantwortlich. Die Berechnung und Aggregation der einzelnen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1079 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Risikoindikatoren (z.B. NPL-Quote, Risikokosten,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1080 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Deckungsquoten etc.) f\u00fcr das definierte regelm\u00e4\u00dfige Reporting</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1081 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">erfolgt in einem einheitlichen Prozess in der Verantwortung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1082 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:147.79pt\">der Abteilung Kreditrisikoreporting.</span><span class=\"f charStyle-34546584 ps7387\" style=\"width:2.36pt\"> </span></div><div class=\"ps1084 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:186.17pt\">Kernziele des Kreditrisikomanagements sind:</span></div><div class=\"ps7388 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Gezielte \u00dcbernahme von Kreditrisiken in \u00dcbereinstimmung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7389 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:148.51pt\">mit dem genehmigten Risikoappetit</span></div><div class=\"ps7390 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">\u00dcberwachung von Kreditrisiken \u00fcber den gesamten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7391 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:54.21pt\">Lebenszyklus</span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Zeitnahe Identifizierung, Bewertung, Messung und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:113.47pt\">Reporting von Kreditrisiken</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Diese Ziele und Prinzipien des Kreditrisikomanagements</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:155.73pt\">werden operativ wie folgt umgesetzt:</span><span class=\"f charStyle-34546584 ps7392\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Disziplinierte Kreditvergabe in gut etablierten M\u00e4rkten mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1541 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Schwerpunkt auf besicherte Kredite oder Kunden, die \u00fcber</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">den gesamten Kreditzyklus hinweg \u00fcber eine sehr gute</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:72.37pt\">Bonit\u00e4t verf\u00fcgen.</span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Kreditrisiken werden in Abh\u00e4ngigkeit vom zugrunde</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">liegenden Risikoprofil in unterschiedlichen</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Organisationseinheiten gemanagt. Unternehmenskredite</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">werden durch Experten evaluiert, die umfangreiches Know-</span></div><div class=\"ps1549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">how \u00fcber die jeweils zugrundeliegende Branche haben,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">w\u00e4hrend Privatkundenkredite unter Zuhilfenahme</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">quantitativer Analysen und Ratingmodelle auf</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:141.24pt\">Segmentebene gesteuert werden.</span></div><div class=\"ps1553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Ein entsprechendes Fr\u00fchwarn-, Betreibungs- und</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Abwicklungssystem sowie Kreditrisikoreporting stellt</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">sicher, dass Kreditrisiken auf Einzelschuldnerebene so fr\u00fch</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">wie m\u00f6glich identifiziert und geeignete Ma\u00dfnahmen zur</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:144.78pt\">Risikominderung ergriffen werden.</span></div><div class=\"ps7393 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Bonit\u00e4tsbeurteilung</span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Kreditw\u00fcrdigkeit von Privat- und Gesch\u00e4ftskunden wird</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zus\u00e4tzlich zu den klar definierten Kreditvergaberichtlinien \u00fcber</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">automatisierte Scoringverfahren bewertet. Diese bestehen aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">einem Antragsscoring, das auf statistischen Modellen beruht,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">sowie einem Verhaltensscoring, dem die Kontogestion des</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps952 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kunden zugrunde liegt. Zus\u00e4tzlich werden externe</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Informationen (wie z.B. Wirtschaftsauskunftei) ber\u00fccksichtigt.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Auf dieser Basis wird eine monatlich aktualisierte</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps954 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:173.64pt\">Bonit\u00e4tseinsch\u00e4tzung der Kunden erstellt.</span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Neben der Bonit\u00e4tsbeurteilung werden auch der erwartete</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verlust bei Ausfall (LGD) sowie die erwartete Ausnutzung des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Off-Balance-Exposures zum Ausfallszeitpunkt (Credit</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Conversion Factor, CCF) f\u00fcr Privat- und Gesch\u00e4ftskunden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">gesch\u00e4tzt. Die Sch\u00e4tzung, welche auf historischen Daten des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">beobachteten Kundenverhaltens basiert, wird anhand</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2403 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:254.42pt\">qualifizierter statistischer Methoden und Modelle berechnet.</span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Vor \u00dcbernahme neuer kommerzieller Risiken bzw. der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ausweitung bestehender Positionen erfolgt eine</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bonit\u00e4tsanalyse der Kreditnehmer auf Basis eines dem<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Kundensegment entsprechenden internen Ratingverfahrens.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Dabei st\u00fctzen sich die Ratingverfahren grunds\u00e4tzlich auf ein</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps972 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">breites Spektrum quantitativer und qualitativer Faktoren. Die<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">auf diese Weise ermittelte Risikoeinstufung wird auf einer</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">einheitlichen Masterskala abgebildet und jedem Kunden als</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:254.21pt\">individuell gesch\u00e4tzte Ausfallswahrscheinlichkeit zugeordnet.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Um Risikokonzentrationen auf Kunden- und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundengruppenebene aufzuzeigen, werden Limite f\u00fcr die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Forderungsh\u00f6hen definiert, \u00fcberwacht und regelm\u00e4\u00dfig an</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:151.33pt\">Vorstand und Aufsichtsrat berichtet.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Basierend auf der zentralen Struktur und Ausrichtung der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Risikomanagementprozesse der BAWAG k\u00f6nnen neue</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">regulatorische Risikovorschriften oder eine ver\u00e4nderte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Marktsituation in den Risikomanagementstrategien kurzfristig</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:80.74pt\">abgebildet werden.</span></div><div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps2\">\u00dcbersicht</span><span class=\"f charStyle-b1e544a7 ps7397\"> \u00fcber das gesamte Kreditportfolio</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die nachfolgenden Abschnitte geben einen \u00dcberblick \u00fcber die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Struktur und die Portfolioqualit\u00e4t des gesamten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:228.91pt\">Kreditrisikoportfolios und in den einzelnen Segmenten.</span></div><div class=\"ps4242 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps7398\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps7399\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">38.679<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">13.938<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.653<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-457<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">54.814<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">38.679<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">12.312<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">214<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-457<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">50.749<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Forderungen an Banken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">404<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">452<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.579<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.035<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.613<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte FVPL/FVOCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">131<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">227<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.105<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.683<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">14.184<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-93<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">14.093<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Bilanzielle Gesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.942<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-330<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">70.590<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2683 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Au\u00dferbilanzielle Gesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.357<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">455<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.977<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2689 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">54.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">16.308<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.965<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">88.568<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2262 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">davon besichert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">30.292<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2696 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.986<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2697 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">324<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">196<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.798<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2265 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">davon NPL (Bruttosicht)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7400 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7401 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2266 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2267 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">680<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2096 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">88<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2102 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">99<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps751 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">98<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2699 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">294<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">307<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2705 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2706 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2707 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2708 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2709 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2710 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2784 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe der Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6787 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">469<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">31<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2785 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2786 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2787 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Prudential Filter<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6792 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6793 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6794 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"11\" style=\"border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7403 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2645\">Corporate <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2646\">Center</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps7398\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps7399\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">33.948<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">13.251<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.553<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-345<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">49.407<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Forderungen an Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">33.948<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">11.735<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">160<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-348<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">45.495<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Forderungen an Banken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">770<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">830<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.457<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.623<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.081<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Verm\u00f6genswerte FVPL/FVOCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">151<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">88<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.768<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">335<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.342<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.561<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">17.604<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Bilanzielle Gesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">21.882<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">69.353<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2683 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Au\u00dferbilanzielle Gesch\u00e4fte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">6.884<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.295<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">30<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">748<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.958<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2689 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">40.989<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">15.634<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">21.912<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">775<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">79.311<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2262 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">davon besichert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">29.953<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2696 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.595<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2697 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">438<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.122<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2265 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps626\">davon NPL (Bruttosicht)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7400 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">494<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7401 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">107<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2266 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2267 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">601<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2096 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2099 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2100 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2101 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2102 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2103 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps751 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2698 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">61<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps755 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2699 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">219<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">242<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2705 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2706 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2707 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2708 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2709 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2710 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2784 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe der Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6787 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">330<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2785 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2786 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">368<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2787 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Prudential Filter<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6792 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">33<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6793 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6794 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2788 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps2789 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"11\" style=\"border-top:0.25pt solid #000;padding:0\"></td></tr></tbody></table></div></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:330pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:64.5pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Regulatorische Sicht unter Anwendung des CRR-Konsolidierungskreises</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss529\"><div><div class=\"ps1091 ss528\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7407 ss531\"><div><div class=\"ps281 ss530\"><span class=\"f charStyle-c5fdbd46 ps7406\">Gesamtportfolio</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss529\"><div><div class=\"ps4211 ss528\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss528\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7409 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps7408\">Bruttobuchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7411 ss453\"><div><div class=\"ps281 ss103\"><span class=\"f charStyle-37455c2a ps7410\">Wertberichtigung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7412 ss533\"><div><div class=\"ps281 ss532\"><span class=\"f charStyle-37455c2a ps5393\">Nettobuchwert<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7413 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">56.636<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7415 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps7414\">-474<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7417 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-0b080fec ps7416\">56.172<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps858 ss536\"><div><div class=\"ps40 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7418 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-0b080fec ps3049\">227<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7419 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-0b080fec ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7421 ss537\"><div><div class=\"ps40 ss532\"><span class=\"f charStyle-0b080fec ps7420\">227<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps862 ss538\"><div><div class=\"ps40 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7422 ss539\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-0b080fec ps6346\">1.266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7424 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-0b080fec ps7423\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7426 ss540\"><div><div class=\"ps1717 ss532\"><span class=\"f charStyle-0b080fec ps7425\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6839 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7427 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.266<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7428 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7423\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7430 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7429\">1.275<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7431 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7432 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7433 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7435 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7434\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7436 ss536\"><div><div class=\"ps40 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7437 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7438 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7439 ss537\"><div><div class=\"ps40 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7434\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3594 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7440 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7441 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7442 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7434\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1355 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-7ff22fcd ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7443 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">55.143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7444 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps7414\">-473<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7445 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-0b080fec ps7416\">54.670<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps746 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7446 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">52.234<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7448 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7447\">-85<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7450 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7449\">52.149<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3598 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7451 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">2.049<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7452 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7447\">-95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7453 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7429\">1.954<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps3600 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7454 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">610<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7455 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7414\">-302<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7456 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7420\">307<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7457 ss534\"><div><div class=\"ps291 ss528\"><span class=\"f charStyle-37455c2a ps621\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7458 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7460 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps7459\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7461 ss535\"><div><div class=\"ps291 ss532\"><span class=\"f charStyle-cc1eb9a4 ps7420\">260<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:23.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps5437 ss541\"><div><div class=\"ps7462 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">Diese Tabelle enth\u00e4lt keine Eigenkapitalinstrumente (aufsichtsrechtliche Definition und nicht in CRR konsolidierte carrying amounts).</span></div><div class=\"ps7463 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">Der Nettobuchwert enth\u00e4lt in der Position Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte die Fair-Value-Bewertung.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7512 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:327.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:65.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:66.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss543\"><div><div class=\"ps1091 ss542\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7465 ss387\"><div><div class=\"ps281 ss386\"><span class=\"f charStyle-c5fdbd46 ps7464\">Gesamtportfolio</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss543\"><div><div class=\"ps4211 ss542\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss542\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7467 ss453\"><div><div class=\"ps281 ss103\"><span class=\"f charStyle-37455c2a ps7466\">Bruttobuchwert<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7469 ss241\"><div><div class=\"ps281 ss234\"><span class=\"f charStyle-37455c2a ps7468\">Wertberichtigung<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6331 ss286\"><div><div class=\"ps281 ss151\"><span class=\"f charStyle-37455c2a ps3607\">Nettobuchwert<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7470 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-0b080fec ps6424\">51.601<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7472 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-0b080fec ps7471\">-349<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps7473 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3070\">51.260<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps858 ss545\"><div><div class=\"ps40 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Erfolgswirksam zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7474 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-0b080fec ps6420\">279<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7476 ss546\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-0b080fec ps7475\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7477 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-0b080fec ps3049\">279<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps862 ss547\"><div><div class=\"ps40 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Verm\u00f6genswerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7478 ss456\"><div><div class=\"ps1717 ss103\"><span class=\"f charStyle-0b080fec ps6426\">1.762<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7480 ss243\"><div><div class=\"ps1717 ss234\"><span class=\"f charStyle-0b080fec ps7479\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7481 ss539\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-0b080fec ps6346\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps6839 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7482 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">1.762<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7483 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7479\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7484 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.769<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7431 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7485 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7486 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7475\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7487 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7436 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7488 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7489 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7475\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7490 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5277 ss545\"><div><div class=\"ps40 ss542\"><span class=\"f charStyle-37455c2a ps621\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7491 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6081\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7492 ss546\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7475\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7493 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps1355 ss545\"><div><div class=\"ps40 ss542\"><span class=\"f charStyle-7ff22fcd ps36\">Zu fortgef\u00fchrten Anschaffungskosten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7494 ss106\"><div><div class=\"ps40 ss103\"><span class=\"f charStyle-0b080fec ps6424\">49.560<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7495 ss546\"><div><div class=\"ps40 ss234\"><span class=\"f charStyle-0b080fec ps7471\">-348<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7496 ss168\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-0b080fec ps3070\">49.212<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps647 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7497 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6084\">47.046<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7499 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7498\">-49<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7500 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3030\">46.997<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps654 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7501 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6142\">1.903<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7502 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7498\">-59<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7503 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3041\">1.844<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps659 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7504 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6420\">558<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7505 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7471\">-231<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7506 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">327<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps665 ss544\"><div><div class=\"ps291 ss542\"><span class=\"f charStyle-37455c2a ps621\">POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7507 ss416\"><div><div class=\"ps291 ss103\"><span class=\"f charStyle-cc1eb9a4 ps6418\">54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7508 ss237\"><div><div class=\"ps291 ss234\"><span class=\"f charStyle-cc1eb9a4 ps7479\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps7509 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">45<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:24pt\"><td colspan=\"7\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps672 ss548\"><div><div class=\"ps7510 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">Diese Tabelle enth\u00e4lt keine Eigenkapitalinstrumente (aufsichtsrechtliche Definition und nicht in CRR konsolidierte carrying amounts).</span></div><div class=\"ps7511 ss15\"><span class=\"f charStyle-5ee25b5a ps37\">Der Nettobuchwert enth\u00e4lt in der Position Im sonstigen Ergebnis ausgewiesene zum beizulegenden Zeitwert bewertete finanzielle Verm\u00f6genswerte die Fair-Value-Bewertung.</span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">\u00dcberblick \u00fcber Struktur des Kreditportfolios-</span></div><div class=\"ps2757 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Ratings, Geografie, W\u00e4hrungen und </span></div><div class=\"ps2830 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Sicherheiten</span></div><div class=\"ps2853 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Ratingverteilung des Kreditportfolios</span></div><div class=\"ps2854 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Die Die folgende Tabelle zeigt die Verteilung der Ratings f\u00fcr</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps2855 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">das Performing-Portfolio. Insgesamt verbesserte sich das</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Risikoprofil vor allem in den Bereichen Corporates, Real Estate</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">&amp; Public Sector, w\u00e4hrend der Vertrieb im Retail &amp; SME-Bereich</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">den Erwartungen nach der Integration der Barclays Consumer</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:197.24pt\">Bank Europe im ersten Quartal 2025 entsprach.</span><span class=\"f charStyle-34546584 ps7513\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:2.36pt\"> </span></div><div class=\"ps7514 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">Moody\u2019s </span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">Rating </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00c4quivalent</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps7398\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps7399\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Aaa\u2013Aa2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">29,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">90,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">28,8%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Aa3\u2013A1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">10,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">21,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">4,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">A2\u2013A3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">22,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">7,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">14,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Baa1\u2013Baa3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">41,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">29,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">3,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">29,6%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Ba1\u2013B1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">18,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">12,5%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">B2\u2013Caa2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,6%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Caa3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">3,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,1%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7515 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss137\"><div><div class=\"ps5210 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps2640 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps282 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">Moody\u2019s </span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">Rating </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00c4quivalent</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps284 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2641\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss138\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps2642\">Corporates, <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps2643\">Real Estate &amp; </span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2644\">Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps288 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps626\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps7398\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps7399\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps3820 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5211 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Aaa\u2013Aa2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5212 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5213 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">24,6%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5214 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">87,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps5215 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">32,8%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2648 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2649 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Aa3\u2013A1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2650 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2651 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">16,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2652 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">4,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2653 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">9,9%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2655 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">A2\u2013A3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">19,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">9,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,8%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps862 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Baa1\u2013Baa3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">49,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2662 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">37,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2663 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">4,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2664 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">33,0%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2665 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2666 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Ba1\u2013B1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2667 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">13,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2668 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">11,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2669 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2670 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">9,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2671 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2672 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">B2\u2013Caa2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2673 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2674 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2675 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2676 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,2%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2677 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Ratingklasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2678 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-37455c2a ps36\">Caa3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2679 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">4,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2680 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2681 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">2,1%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7516 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Geografische Verteilung des Kreditportfolios</span></div><div class=\"ps7517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die geografische Verteilung des Kreditportfolios steht im</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Einklang mit der Strategie der BAWAG, die sich auf stabile</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps7519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Volkswirtschaften und W\u00e4hrungen, mit einem Bilanzanteil von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps7516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">78% (2024: 79%) in \u00d6sterreich, Deutschland und den</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7517 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Niederlanden durch die Integration von Barclays Consumer</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:158.81pt\">Bank Europe in Q1 2025, konzentriert.</span></div><div class=\"ps7533 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">Geografische Verteilung des Kreditportfolios<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">25.765<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">29.592<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">36%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">43%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Niederlande<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">19.579<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">19.625<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">28%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">28%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">9.699<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.915<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">14%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">9%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Nordamerika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">9.179<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.245<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">13%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">10%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Irland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.139<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.320<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Frankreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.803<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.562<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">2%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4227 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.426<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.093<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2260 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">4%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7530 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">70.590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7531 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">69.353<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2771 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2772 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">W\u00e4hrungsverteilung des Kreditportfolios</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Konsistent mit der strategischen Ausrichtung der BAWAG blieb</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Gro\u00dfteil der Finanzierungen in EUR stabil. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">W\u00e4hrungsverteilung des gesamten Kreditportfolios setzt sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:86.22pt\">wie folgt zusammen:</span></div><div class=\"ps7220 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2242 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">60.164<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">60.374<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">85,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">87,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps858 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">9.041<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.239<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">12,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">10,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4022 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">656<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">697<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,9%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps315 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">285<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps316 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">538<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps319 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps321 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">444<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps322 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">506<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps323 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps324 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps326 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps627 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">70.590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps628 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">69.353<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps629 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps630 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps4351 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sicherheiten im Gesamtkreditportfolio und Bewertung von </span></div><div class=\"ps4352 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Sicherheiten</span></div><div class=\"ps7537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die untenstehende \u00dcbersicht \u00fcber die Sicherheitenarten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4353 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">veranschaulicht den hohen Anteil an privaten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4354 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:262.04pt\">Immobiliensicherheiten, welcher sich auf 83% (2024: 84%) am</span><span class=\"f charStyle-e63b9797 ps171\" style=\"width:2.11pt\"> </span></div><div class=\"ps7539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:132.36pt\">gesamten Kreditportfolios bel\u00e4uft</span><span class=\"f charStyle-34546584 ps7538\" style=\"width:2.62pt\">.</span></div><div class=\"ps7541 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio</span><span class=\"f charStyle-32bf9c18 ps7540\">. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">30.473<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">29.906<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">69,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">69,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon private Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">25.390<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">24.980<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">83,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">83,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon gewerbliche Immobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.083<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.926<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">16,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">16,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Garantien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">8.929<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.682<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">20,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">22,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige Kreditsicherheiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.499<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">4,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">3,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Finanzielle Sicherheiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps456 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.797<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps457 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.763<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">6,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">4,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps461 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps462 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">43.956<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps463 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">42.850<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps464 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps465 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Gesch\u00e4ftsstrategie der BAWAG fokussiert sich auf die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzierung von besicherten Krediten, wann immer dies</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">m\u00f6glich ist. Sicherheiten dienen als wesentliche Unterst\u00fctzung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">f\u00fcr die Kreditvergabe und wirken verlustmindernd bei Ausfall</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">des Schuldners, wobei beim Entscheidungsprozess neben der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Qualit\u00e4t und Verwertbarkeit der Sicherheiten die Leistbarkeit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:227.34pt\">f\u00fcr den Kreditnehmer jedenfalls im Vordergrund steht.</span></div><div class=\"ps7549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Alle angenommenen Sicherheiten sind im Konzern-</span></div><div class=\"ps7550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Sicherheitenkatalog festgehalten, wo auch die Grundlagen f\u00fcr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">die Bewertung und Neubewertung von Sicherheiten definiert</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sind. Hier wird neben allen grunds\u00e4tzlich akzeptierten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kombinationen von G\u00fctern (Eigenschaften des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Wirtschaftsguts) und Sicherheiten (Rechtstitel der Bank) auch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">definiert, welcher Wert (Marktwert, Nominalwert etc.)</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">heranzuziehen ist. Das Enterprise-Risk-Management-Komitee</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">entscheidet, welche Sicherheiten \u2013 unter Ber\u00fccksichtigung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">der\u00a0entsprechenden Haircuts \u2013 kreditrisikomindernd</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7561 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:125.6pt\">herangezogen werden d\u00fcrfen.</span></div><div class=\"ps7562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:173.59pt\">Folgende Sicherheiten werden akzeptiert:</span></div><div class=\"ps7563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:226.62pt\">Wohnimmobilien und gewerblich genutzte Immobilien</span></div><div class=\"ps7564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Sonstige Kreditsicherheiten: Fahrzeuge und sonstige</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">physische Sicherheiten (derzeit keine Verwendung zur</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Kreditrisikominimierung), Verpf\u00e4ndung oder Abtretung von</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:93.05pt\">Lebensversicherungen</span></div><div class=\"ps7568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Finanzgarantien: finanzielle Sicherheiten, Wertpapiere und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7569 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:140.41pt\">Bareinlagen beim eigenen Institut</span></div><div class=\"ps7570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Kreditverbesserungen: Garantien und Mitverpflichtungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">(NHG-Garantien f\u00fcr Immobilienhypotheken in den</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7572 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Niederlanden bieten eine zus\u00e4tzliche Garantie f\u00fcr</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7573 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:136.79pt\">Risikominderungsberechnungen)</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Um als Kreditrisikominderung zu dienen, m\u00fcssen Sicherheiten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">alle gesetzlichen und regulatorischen Anforderungen erf\u00fcllen,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">welche wiederum in gruppenweiten, internen Policies</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">definiert sind. Um l\u00e4nderspezifischen Besonderheiten bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kreditsicherheiten Rechnung zu tragen, gibt es zus\u00e4tzlich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">regionale Handb\u00fccher f\u00fcr die einzelnen T\u00f6chter bzw.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Niederlassungen. Zumindest j\u00e4hrlich erfolgt eine \u00dcberpr\u00fcfung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">dieser Policies. Allf\u00e4llige Ausnahmen zu den internen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Regelungen m\u00fcssen begr\u00fcndet, gesondert beantragt und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:112.86pt\">explizit genehmigt werden.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Wertermittlung f\u00fcr inl\u00e4ndische Wohnimmobilien erfolgt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">zentral durch Experten f\u00fcr die Bewertung von Immobilien</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">unter Anwendung standardisierter Methoden sowie unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zuhilfenahme eines Bewertungstools. Die Sch\u00e4tzung von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Immobilien in anderen L\u00e4ndern erfolgt ebenfalls durch</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">unabh\u00e4ngige Fachleute nach internationalen Standards. Die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">turnusm\u00e4\u00dfige \u00dcberpr\u00fcfung bzw. Aktualisierung der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wohnimmobilienwerte erfolgt automationsgest\u00fctzt auf Basis</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">des Immobilienpreisindex des Fachverbands der Immobilien-</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und Verm\u00f6genstreuh\u00e4nder der Wirtschaftskammer \u00d6sterreich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">f\u00fcr \u00f6sterreichische Objekte, mittels</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Marktschwankungsmethode bei in Deutschland gelegenen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Immobilien, sowie mit Hilfe der entsprechenden lokalen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Immobilienpreisindices in den L\u00e4ndern, in denen sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:226.19pt\">Immobiliensicherheiten der BAWAG-Gruppe befinden.</span><span class=\"f charStyle-34546584 ps7574\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gewerbeimmobilien werden von Sachverst\u00e4ndigen f\u00fcr die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bewertung von Gewerbeimmobilien oder von ausgew\u00e4hlten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">externen Gutachtern im Auftrag des Konzerns bzw. eines</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Konsortialpartners individuell nach erfolgter Vor-Ort-</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:211.89pt\">Besichtigung und voller Befundaufnahme bewertet</span><span class=\"f charStyle-34546584 ps7575\" style=\"width:2.62pt\">.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Forborne-Forderungen, Forbearance-Ma\u00dfnahmen und </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Unlikeliness to pay</span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Forbearance-Ma\u00dfnahmen k\u00f6nnen zur Anwendung kommen,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">wenn Kunden aufgrund finanzieller Schwierigkeiten nicht in</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">der Lage sind, den vereinbarten Vertragsbedingungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">nachzukommen. Die BAWAG verf\u00fcgt hierbei \u00fcber klar</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">festgelegte und transparente Prozesse in der gesamten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gruppe, in deren Rahmen Vertragsanpassungen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">vorgenommen werden k\u00f6nnen. In Abh\u00e4ngigkeit vom</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kundensegment umfasst der Ma\u00dfnahmenkatalog die zeitlich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">befristete Stundung oder Reduzierung von Zinszahlungen oder</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kapitalraten, die Restrukturierung von Kapitalfazilit\u00e4ten oder</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">sonstige Forbearance-Ma\u00dfnahmen. In Ausnahmef\u00e4llen werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">zeitlich begrenzte oder permanente Reduzierungen des</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:81.35pt\">Zinssatzes gew\u00e4hrt.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Stundungs- und Refinanzierungsma\u00dfnahmen dienen zur</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">effektiven Risikoreduzierung und Ausfallvermeidung bei</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">ausfallgef\u00e4hrdeten Krediten, sofern erwartet wird, dass damit</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">ein Ausfall verhindert werden kann. Jedoch werden diese</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ma\u00dfnahmen keinesfalls daf\u00fcr benutzt, einen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">unausweichlichen Ausfall zu verschieben oder das Ausma\u00df des</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:246.23pt\">Kreditrisikos aus gestundeten Forderungen zu verschleiern.</span><span class=\"f charStyle-34546584 ps7576\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Durch zeitlich und im Umfang abgestimmte Zugest\u00e4ndnisse in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Form von Vertragsanpassungen unterst\u00fctzt die BAWAG</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kunden in Zahlungsschwierigkeiten. Sofern diese</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">unterst\u00fctzenden Ma\u00dfnahmen ohne Erfolg bleiben, werden</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Forderungen an Kunden in \u00dcbereinstimmung mit aufsichts-</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:248.12pt\">und bilanzrechtlichen Standards als ausgefallen klassifiziert.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">F\u00fcr Reportingzwecke sowie f\u00fcr die interne Risikosteuerung</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">verf\u00fcgt die BAWAG \u00fcber Prozesse und Methoden in</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Anwendung regulatorischer Standards zur Identifikation von</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Forderungen, f\u00fcr die Stundungs- bzw. sonstige Forbearance-</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ma\u00dfnahmen gew\u00e4hrt wurden. Diese werden als \u201eForborne\u201c</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:67.94pt\">gekennzeichnet.</span></div><div class=\"ps7594 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:54.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss551\"><div><div class=\"ps7577 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps7578 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss552\"><div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7579\">Gestundete <span class=\"f ps37\"> </span></span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss552\"><div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7582\">Davon <span class=\"f ps37\"> </span></span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps7583\">ausgefallen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss552\"><div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps7584\">% der <span class=\"f ps37\"> </span></span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss552\"><div><div class=\"ps7588 ss151\"><span class=\"f charStyle-37455c2a ps7587\">Besicherungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps7589\">quote der </span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss552\"><div><div class=\"ps7590 ss151\"><span class=\"f charStyle-37455c2a ps7587\">Besicherungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps7588 ss151\"><span class=\"f charStyle-37455c2a ps7589\">quote der </span></div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps4376\">ausgefallenen </span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">382<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">90<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7591\"></span><span class=\"ps7591\">1,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">63%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">69%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3333 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">438<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7591\"></span><span class=\"ps7591\">3,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">65%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3548 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">42%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">820<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">110<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7593\"></span><span class=\"ps7593\">1,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7592\"></span><span class=\"ps7592\">64%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3549 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7592\"></span><span class=\"ps7592\">64%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7595 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:54.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss551\"><div><div class=\"ps7577 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps7578 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss552\"><div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7579\">Gestundete <span class=\"f ps37\"> </span></span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss552\"><div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7582\">Davon <span class=\"f ps37\"> </span></span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps7583\">ausgefallen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss552\"><div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps7584\">% der <span class=\"f ps37\"> </span></span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss552\"><div><div class=\"ps7588 ss151\"><span class=\"f charStyle-37455c2a ps7587\">Besicherungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps7589\">quote der </span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss552\"><div><div class=\"ps7590 ss151\"><span class=\"f charStyle-37455c2a ps7587\">Besicherungs-<span class=\"f ps37\"> </span></span></div><div class=\"ps7588 ss151\"><span class=\"f charStyle-37455c2a ps7589\">quote der </span></div><div class=\"ps7585 ss151\"><span class=\"f charStyle-37455c2a ps4376\">ausgefallenen </span></div><div class=\"ps7580 ss151\"><span class=\"f charStyle-37455c2a ps7586\">gestundeten </span></div><div class=\"ps7581 ss151\"><span class=\"f charStyle-37455c2a ps2039\">Forderungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">74<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7591\"></span><span class=\"ps7591\">1,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">61%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">66%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3333 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3334 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">395<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3335 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3336 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7591\"></span><span class=\"ps7591\">3,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3337 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">72%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3548 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7592\"></span><span class=\"ps7592\">68%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3339 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">763<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3340 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">169<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3341 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7593\"></span><span class=\"ps7593\">1,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3342 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7592\"></span><span class=\"ps7592\">67%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3549 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7592\"></span><span class=\"ps7592\">67%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Retail &amp; SME</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die BAWAG wendet die folgenden Grunds\u00e4tze f\u00fcr die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bonit\u00e4tspr\u00fcfung von Privatkunden an. Diese Grunds\u00e4tze</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">spiegeln sich in den Kreditvergaberichtlinien unter</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:233.84pt\">Ber\u00fccksichtigung des genehmigten Risikoappetits wider.</span><span class=\"f charStyle-34546584 ps7596\" style=\"width:2.36pt\"> </span></div><div class=\"ps1419 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Finanzierbarkeit: F\u00e4higkeit eines Kreditnehmers, einen</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7597 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Kredit zur\u00fcckzuzahlen, indem das Einkommen mit den</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps1420 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">laufenden Ausgaben und Kreditverpflichtungen verglichen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1421 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">wird. Dar\u00fcber hinaus wenden wir Backstop-Regeln an, die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7598 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">auf dem Verh\u00e4ltnis von Schuldendienst zu Einkommen</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1422 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">(Debt service to income, DSTI) basieren, um die</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps1423 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:197.9pt\">Verschuldung des Kreditnehmers zu begrenzen.</span></div><div class=\"ps7599 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Kreditbonit\u00e4t: Bisheriges R\u00fcckzahlungsverhalten des</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps7600 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Kunden basierend auf intern und extern gesammelten</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7601 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Informationen. Wir verwenden statistische Scorecards, um</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps7602 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Kunden zum Zeitpunkt der Kreditvergabe sowie fortlaufend</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7603 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.84pt\">zu bewerten. Scorecards bilden die Basis der Risiko-Ertrags-</span></div><div class=\"ps7604 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:240.36pt\">Bewertung innerhalb der genehmigten Risikobereitschaft.</span></div><div class=\"ps7605 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Verwendungszweck: Kreditkonditionen gehen aus dem</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7606 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Zweck des Kredites f\u00fcr den Kreditnehmer hervor und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7607 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">m\u00fcssen mit dem Produktzweck, den Bedingungen und den</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps7608 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">Konditionen abgestimmt sein. Zu diesem Zweck haben wir</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1479 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">ein klar definiertes Produktangebot mit definiertem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1480 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:246.15pt\">maximalem Kreditbetrag, Laufzeit und Verwendungszweck.</span><span class=\"f charStyle-34546584 ps7609\" style=\"width:2.36pt\"> </span></div><div class=\"ps1537 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Sicherheiten: Verwertbarkeit von Sicherheiten des</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1538 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Schuldners im Falle eines Ausfalls. Klar definierte Kriterien</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1539 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">f\u00fcr die Anrechnung von Sicherheiten, die von internen und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1540 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:154.25pt\">externen Experten bewertet werden.</span></div><div class=\"ps1542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Mindestbeteiligung: klar definierte Mindestbeteiligung des</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Kreditnehmers in Bezug auf bereitgestelltes Eigenkapital</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:178.54pt\">und/oder Loan-to-Value (LTV)-Grenzwerte.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Unsere Strategie besteht darin, unser Retail &amp; SME-</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Neugesch\u00e4ft weiter auf assetbasierte besicherte Produkte (vor</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">allem Wohnimmobilien und Leasing) zu verlagern, was durch</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">den Erwerb von KNAB im November 2024 weiter untermauert</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">wird und den Anteil an assetbasierten besicherten Produkten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Ende 2024 auf 85% trieb. Durch den Erwerb der Barclays</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Consumer Bank ist der Anteil 2025 auf 74% des Portfolios</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">gesunken. Die restlichen 26% (2024: 15%) unseres Portfolios</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">bestehen aus unbesicherten Retail &amp; SME-Krediten. Das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Segment beinhaltet Verm\u00f6genswerte in \u00d6sterreich,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Deutschland, den Niederlanden sowie Westeuropa und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:57.01pt\">Nordamerika.</span></div><div class=\"ps7642 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td style=\"padding:0\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-bottom:0.5pt solid #000;padding:0\"><div class=\"ps278 ss16\"><div><div class=\"ps38 ss15\"><span class=\"f charStyle-02ed52cc ps36\">Produktverteilung des Retail &amp; SME-Kreditportfolios<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps1334 ss262\"><div><div class=\"ps281 ss261\"><span class=\"f charStyle-c5fdbd46 ps7610\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7611 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps5133 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7612\">NPL-Quote</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7613\">NPL-Deckungsquote</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2574 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7614 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7615 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7616 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7617 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7618 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3619 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2480 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-37455c2a ps36\">Konsumfinanzierungen &amp; KMU<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7619 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">12.200<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7620 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.349<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7621 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">2,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps6525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7622\"></span><span class=\"ps7622\">2,8%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7623 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">64,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7625 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7624\"></span><span class=\"ps7624\">63,5%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1344 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-37455c2a ps36\">Hypothekarfinanzierungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7626 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">26.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7627 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">26.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7628 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7629 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7622\"></span><span class=\"ps7622\">0,4%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7630 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">94,9%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7631 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7624\"></span><span class=\"ps7624\">95,1%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps3062 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7632 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #b8b8b9;padding:0\"><div class=\"ps7633 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7635 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7634\"></span><span class=\"ps7634\">1,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7637 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7636\"></span><span class=\"ps7636\">1,2%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7639 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7638\"></span><span class=\"ps7638\">68,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7641 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7640\"></span><span class=\"ps7640\">70,7%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3112 ss555\"><div><div class=\"ps4208 ss261\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7644 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Das Hypothekarportfolio zeichnet sich durch robuste LTVs,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7645 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">eine niedrige NPL-Quote, eine hohe Deckungsquote sowie eine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7646 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">gute regionale Diversifizierung aus. Die durchschnittliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7647 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">gewichtete Laufzeit betr\u00e4gt weniger als 23 Jahre (2024:</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7649 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:90.11pt\">weniger als 23\u00a0Jahre).</span><span class=\"f charStyle-34546584 ps7648\" style=\"width:2.36pt\"> </span></div><div class=\"ps7650 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Das Konsumfinanzierungs- und KMU-Gesch\u00e4ft besteht aus</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7651 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">nicht besicherten Privatkrediten, Kreditlinien und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7652 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Kreditkarten, generiert durch die nationalen und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7653 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">internationalen Vertriebskan\u00e4le der Gruppe. Es umfasst auch</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7654 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">das Leasing- und Factoringgesch\u00e4ft mit einem Mix von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7655 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Leasingverm\u00f6genswerten (KFZ-Leasing, Immobilien- und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7656 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:198.05pt\">Immobilienleasing) und Factoring-Forderungen.</span></div><div class=\"ps7659 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die NPL-Quoten und NPL-Deckungsquoten im Segment Retail</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7660 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">&amp; SME spiegeln das stabile und risikoarme Portfolio wider. Es</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7661 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">wurde die Strategie weiterverfolgt, notleidende</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7662 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Kreditportfolien konsequent zu bearbeiten, um niedrige NPL-</span></div><div class=\"ps7663 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Exposure sicherzustellen und sich auf das Kerngesch\u00e4ft zu</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7664 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">konzentrieren. Zus\u00e4tzlich wurden die Fr\u00fcherkennungs-,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7665 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Collection- und Betreibungsprozesse im Hinblick auf eine</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7666 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">erfolgreiche R\u00fcckf\u00fchrung der Kredite aus</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7667 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">abwicklungstechnischer und Risikosicht weiter verbessert. Die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7668 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">NPL-Quote des Retail &amp; SME-Portfolios betr\u00e4gt 1,2% (2024:</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7669 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">1,2%). Die NPL-Deckungsquote von 69% (2024: 71%)</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7671 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:192.29pt\">untermauert das Risikoprofil dieses Portfolios.</span><span class=\"f charStyle-34546584 ps7670\" style=\"width:2.36pt\"> </span></div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">Geografische Verteilung des Retail &amp; SME-Kreditportfolios<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Niederlande<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">16.667<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.661<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">43%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">49%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">11.924<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">12.158<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">31%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">36%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">6.204<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.338<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">16%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">7%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Nordamerika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.424<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.478<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">9%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">7%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">594<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">470<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">2%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">1%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #b8b8b9;border-top:0.25pt solid #b8b8b9;padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7674 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">W\u00e4hrungsverteilung des Retail &amp; SME-Kreditportfolios<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps281 ss26\"><span class=\"f charStyle-c5fdbd46 ps7672\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">34.811<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">30.944<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">89,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">90,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.198<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.283<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">8,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">6,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">571<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">599<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">CAD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">223<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">194<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">87<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7673\"></span><span class=\"ps7673\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7676 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Verzugstage des Retail &amp; SME-Kreditportfolios </span></div><div class=\"ps7678 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.74pt\">Eine \u00dcberwachung des Portfolios in Bezug auf Verzugstage</span><span class=\"f charStyle-34546584 ps7677\" style=\"width:2.36pt\"> </span></div><div class=\"ps7680 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.77pt\">erfolgt laufend. Die Ziele sind, eine negative</span><span class=\"f charStyle-34546584 ps7679\" style=\"width:2.36pt\"> </span></div><div class=\"ps7682 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.76pt\">Kreditentwicklung im Portfolio fr\u00fchm\u00f6glichst zu erkennen und</span><span class=\"f charStyle-34546584 ps7681\" style=\"width:2.36pt\"> </span></div><div class=\"ps7683 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.77pt\">proaktive Kundenkontaktaufnahme, um vollst\u00e4ndige</span><span class=\"f charStyle-34546584 ps7679\" style=\"width:2.36pt\"> </span></div><div class=\"ps7684 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.74pt\">Kreditr\u00fcckzahlung zu sichern. Im Segment Retail &amp; SME</span><span class=\"f charStyle-34546584 ps7677\" style=\"width:2.36pt\"> </span></div><div class=\"ps7686 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.75pt\">weisen 98% (2024: 98%) der Forderungen keine Verzugstage</span><span class=\"f charStyle-34546584 ps7685\" style=\"width:2.36pt\"> </span></div><div class=\"ps7687 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.77pt\">auf. Insgesamt belegen das geringe Verzugstagevolumen, die</span><span class=\"f charStyle-34546584 ps7679\" style=\"width:2.36pt\"> </span></div><div class=\"ps7688 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.79pt\">stabilen Vintages und die produktspezifischen Scorecard-</span></div><div class=\"ps7689 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:205pt\">Ergebnisse die hohe Kreditqualit\u00e4t des Portfolios.</span></div><div class=\"ps7715 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td><td style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"padding:0\"><div class=\"ps278 ss556\"><div><div class=\"ps1717 ss261\"><span class=\"f charStyle-c5fdbd46 ps7610\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps2044 ss557\"><div><div class=\"ps40 ss263\"><span class=\"f charStyle-c5fdbd46 ps7692\">Konsumfinanzierungen &amp; </span></div><div class=\"ps1717 ss263\"><span class=\"f charStyle-c5fdbd46 ps7693\">KMU</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss557\"><div><div class=\"ps1717 ss263\"><span class=\"f charStyle-c5fdbd46 ps1807\">Hypothekarfinanzierungen</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss557\"><div><div class=\"ps1717 ss263\"><span class=\"f charStyle-c5fdbd46 ps4010\">Summe</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000;padding:0\"><div class=\"ps2548 ss262\"><div><div class=\"ps277 ss261\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7694 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7695 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7696 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7697 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6149 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6150 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps3720 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">Summe der Buchwerte</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7698 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">12.200<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5137 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">7.349<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps5138 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">26.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5139 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">26.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps5140 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000;padding:0\"><div class=\"ps5141 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3328 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">Keine Verzugstage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7699 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">93,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7700 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">93,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7701 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">99,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7702 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">99,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7703 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">97,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7704 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">97,9%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3726 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">1\u201330 Tage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7705 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,8%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7706 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7707 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7708 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7709 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7710 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">31\u201360 Tage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7711 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7712 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps456 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps460 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1831 ss554\"><div><div class=\"ps40 ss261\"><span class=\"f charStyle-c5fdbd46 ps36\">61\u201390 Tage</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7713 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7714 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,3%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5712 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5713 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps3210\"></span><span class=\"ps3210\">\u2014%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5714 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5715 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,1%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"i09a461f17cf74621addefd77da42aae9_163\" style=\"position:absolute;top:104.88pt\"></div><div class=\"ps328 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Corporates, Real Estate &amp; Public Sector</span></div><div class=\"ps1179 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:87.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss511\"><div><div class=\"ps1091 ss510\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7718 ss559\"><div><div class=\"ps281 ss558\"><span class=\"f charStyle-c5fdbd46 ps7717\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps3309 ss559\"><div><div class=\"ps281 ss558\"><span class=\"f charStyle-c5fdbd46 ps7719\">NPL-Quote</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7721 ss559\"><div><div class=\"ps281 ss558\"><span class=\"f charStyle-c5fdbd46 ps7720\">NPL-Deckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7722 ss559\"><div><div class=\"ps281 ss558\"><span class=\"f charStyle-c5fdbd46 ps3397\">Investment Grade</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss511\"><div><div class=\"ps277 ss510\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7724 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-36b68314 ps7723\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7726 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7725\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6324 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-36b68314 ps7723\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7727 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7725\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7728 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-36b68314 ps7723\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7729 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-37455c2a ps5397\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7730 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-36b68314 ps7723\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7731 ss430\"><div><div class=\"ps281 ss429\"><span class=\"f charStyle-37455c2a ps5397\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss560\"><div><div class=\"ps40 ss510\"><span class=\"f charStyle-37455c2a ps36\">Firmenkundengesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7733 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34 ps7732\">2.742<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7734 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7732\">2.832<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7736 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7735\"></span><span class=\"ps7735\">1,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7738 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7737\"></span><span class=\"ps7737\">0,5%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7740 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">52,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7742 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">98,3%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7743 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">94,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7744 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">94,8%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss560\"><div><div class=\"ps40 ss510\"><span class=\"f charStyle-37455c2a ps36\">Immobiliengesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7745 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34 ps7732\">5.686<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7746 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7732\">5.461<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7748 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7747\"></span><span class=\"ps7747\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7749 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7737\"></span><span class=\"ps7737\">1,5%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7750 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">98,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7751 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">66,1%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7752 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">73,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7753 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">71,9%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss560\"><div><div class=\"ps40 ss510\"><span class=\"f charStyle-37455c2a ps36\">\u00d6ffentlicher Sektor<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7754 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34 ps7732\">5.737<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7755 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4 ps7732\">5.047<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7756 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7747\"></span><span class=\"ps7747\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7758 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7757\"></span><span class=\"ps7757\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7759 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7747\"></span><span class=\"ps7747\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7760 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7757\"></span><span class=\"ps7757\">\u2014%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7761 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-71900c34\"><span class=\"ps7739\"></span><span class=\"ps7739\">97,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7762 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7741\"></span><span class=\"ps7741\">99,0%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss560\"><div><div class=\"ps40 ss510\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7763 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-36b68314 ps3397\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7764 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-0b080fec ps3397\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3339 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-36b68314\"><span class=\"ps7765\"></span><span class=\"ps7765\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7767 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7766\"></span><span class=\"ps7766\">0,7%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7769 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-36b68314\"><span class=\"ps7768\"></span><span class=\"ps7768\">54,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7771 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7770\"></span><span class=\"ps7770\">71,3%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7772 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-36b68314\"><span class=\"ps7768\"></span><span class=\"ps7768\">87,5%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7773 ss561\"><div><div class=\"ps40 ss429\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7770\"></span><span class=\"ps7770\">87,0%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td colspan=\"3\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps7267 ss563\"><div><div class=\"ps4208 ss562\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7774 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Portfolios Corporates, Real Estate &amp; Public Sector</span><span class=\"f charStyle-34546584 ps146\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps7775 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">umfassen \u00f6sterreichisches, deutsches sowie internationales</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7776 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Gesch\u00e4ft (vorwiegend in den USA, dem Vereinigten K\u00f6nigreich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7777 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und Westeuropa). Dieses Gesch\u00e4ft zeichnet sich durch</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7778 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">proaktives Risikomanagement und diszipliniertes Wachstum in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7779 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">entwickelten und stabilen Wirtschaftsr\u00e4umen (vor allem USA,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7780 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Gro\u00dfbritannien und Westeuropa) unter Beibehaltung eines</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7781 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">disziplinierten Ansatzes hinsichtlich risikoadjustierten Pricings</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7782 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aus. Die Grundlage des Portfoliomanagements bildet seit</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7783 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Jahren eine konservative Kreditvergabe mit Fokus auf</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7784 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Cashflow generierende Unternehmen, hohe Gewinnspanne,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7785 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Preissetzungsmacht mit hoher Sicherheitenqualit\u00e4t, solide</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7786 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kapitalstrukturen und starke Kreditgeberschutzmerkmale. Die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7787 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Anforderungen an die Kreditvergabe bleiben \u00fcber den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7788 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Konjunkturzyklus hinweg stabil und k\u00f6nnen unsere F\u00e4higkeit,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7789 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">neues Gesch\u00e4ft zu generieren, beeintr\u00e4chtigen. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7790 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Beibehaltung unseres niedrigen Risikoprofils ist von</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7791 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">allergr\u00f6\u00dfter Bedeutung, wobei wir stets angemessene</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7792 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">risikoadjustierte Renditen erzielen und niemals durch ein</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7793 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">erh\u00f6htes Kreditrisiko oder einen geringeren strukturellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7794 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:91.51pt\">Schutz kompensieren.</span></div><div class=\"ps7795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Management des Kredit- und Zinsrisikos des Kreditportfolios </span></div><div class=\"ps7796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Corporates, Real Estate &amp; Public Sector</span></div><div class=\"ps7797 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die BAWAG nimmt ein enges Monitoring der zinsinduzierten</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4579 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Risiken in ihren Kreditportfolien vor. In der Regel werden</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps4580 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verschuldungsgrad, zuk\u00fcnftige Zinsaufwendungen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps4581 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Zinsstruktur (fix/variabel), Absicherungsvereinbarungen,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4582 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Refinanzierungszeitpunkte und -risiken) bei der Kreditvergabe,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4583 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bei der j\u00e4hrlichen \u00dcberpr\u00fcfung und, noch h\u00e4ufiger, auf Ad-</span></div><div class=\"ps4585 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">hoc-Basis eingehend analysiert. Zur Bewertung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7774 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kreditw\u00fcrdigkeit und f\u00fcr eine Risikobewertung werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7775 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">strenge Annahmen zugrunde gelegt. F\u00fcr internationale</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7776 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewerbeimmobilien sehen die Vertr\u00e4ge in der Regel eine</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7777 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Hedgingpflicht f\u00fcr variabel verzinsliche Darlehen vor, sobald</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7778 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">ein bestimmter Schwellenwert (z.B. Euribor-Zinssatz) erreicht</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7779 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">ist. Zus\u00e4tzlich kommen Zinsreserven und Garantien von</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps7780 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Sponsoren als Abfederung des Zinsrisikos zur Anwendung.</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7781 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Derzeit sind ca.\u00a070% (2024: ca. 70%) des Portfolios Corporate,</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps7782 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:235.7pt\">Real Estate &amp; Public Sector an variable Zinsen gebunden.</span></div><div class=\"ps7784 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Wesentliche Kreditentscheidungen werden vom Credit</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7785 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Approval Committee (CAC), einem speziellen Gremium auf</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7786 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Vorstandsebene, getroffen. Jede Kreditentscheidung wird</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7787 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">gem\u00e4\u00df den Richtlinien der BAWAG streng gepr\u00fcft, diskutiert</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7788 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">und koordiniert. Die BAWAG-Risikomanager verf\u00fcgen \u00fcber</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7789 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">umfangreiche fachliche Kenntnisse in allen relevanten Asset-</span></div><div class=\"ps7790 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Klassen, sowohl im \u00f6sterreichischen und deutschen Gesch\u00e4ft</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7791 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">als auch im Internationalen. Bis zu bestimmten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7792 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Pouvoirgrenzen werden Kreditentscheidungen auch von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7793 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Risikomanagern getroffen. Ein effektiver \u00dcberwachungs- und</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7794 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:213.99pt\">Reviewprozess w\u00e4hrend der Laufzeit ist vorhanden.</span></div><div class=\"ps7795 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Risikokonzentrationen nach Branchen im Kreditportfolio </span></div><div class=\"ps7796 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Corporates, Real Estate &amp; Public Sector</span></div><div class=\"ps7797 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ein Hauptfokus des Risikomanagements im Corporates &amp;</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps4579 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Public Sector-Bereich liegt auf dem Konzentrationsrisiko.</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4580 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Dieses entsteht durch signifikante Exposures in individuellen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4581 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Kundensegmenten oder betr\u00e4chtlichen Industrie-, L\u00e4nder-</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps4582 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:112.2pt\">Fremdw\u00e4hrungsexposures.</span></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Risikokonzentrationen nach Branchen im Kreditportfolio Corporates, Real Estate &amp; Public Sector <span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps281 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">Corporates, Real Estate &amp; Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Immobiliengesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.810<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.594<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">41%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">42%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">\u00d6ffentlicher Sektor<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.737<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">5.047<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">41%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">38%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Lender Financing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">773<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">581<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">467<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">416<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">B-2-C-Produkte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Lebensmittel &amp; Getr\u00e4nke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">234<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Engineering und B-2-B<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4227 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">150<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">122<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2260 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Gesundheitswesen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7530 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7531 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">150<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2771 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2772 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5344 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pharmazeutika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7800 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">133<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7801 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7802 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7803 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Versorgungsunternehmen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7804 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">115<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7805 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">193<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2817 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2818 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7806 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7807 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">404<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7808 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7809 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7810 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1668 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7811 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1669 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps1670 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1671 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2272 ss564\"><div><div class=\"ps4208 ss26\"><span class=\"f charStyle-5ee25b5a ps36\">Verwendung einer internen Branchensegmentierung.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps3146 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Geografische Verteilung des Kreditportfolios Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Nordamerika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">5.034<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.274<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">36%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">32%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">\u00d6sterreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.592<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.894<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">25%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">29%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.938<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.696<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">14%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">13%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Frankreich<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.185<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">716<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7521\"></span><span class=\"ps7521\">8%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7521\"></span><span class=\"ps7521\">5%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.417<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.758<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps2900\"></span><span class=\"ps2900\">17%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps2900\"></span><span class=\"ps2900\">21%<span style=\"display:inline-block;height:6pt;width:2.9pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7532\"></span><span class=\"ps7532\">100%<span style=\"display:inline-block;height:6pt;width:2.78pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7813 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Verteilung des Kreditportfolios und der Wertpapiere nach W\u00e4hrung<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">8.695<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">8.462<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">61,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">63,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">4.907<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.143<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">34,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">31,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">267<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">333<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,9%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">2,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">SEK<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">118<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">113<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">87<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">91<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">193<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">1,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4227 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2260 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7816 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:49.74pt\">Corporates:</span><span class=\"f charStyle-34546584 ps7815\" style=\"width:212.29pt\"> Das Corporate-Portfolio besteht haupts\u00e4chlich aus</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7817 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">direkten Krediten an Unternehmen. Das Segment zeichnet sich</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7819 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:244.7pt\">durch ein moderates (Net) Debt/EBITDA-Verh\u00e4ltnis von &lt;</span><span class=\"f charStyle-5a2826df ps7818\" style=\"width:17.34pt\"><span style=\"background-color:inherit\">4,0x</span></span><span class=\"f charStyle-5a2826df ps171\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7821 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps2\" style=\"width:3.13pt\"><span style=\"background-color:inherit\">(</span></span><span class=\"f charStyle-34546584 ps7820\" style=\"width:258.92pt\">2024: &lt;4,0x), starke Cashflow-Profile und 95% (2024: 95%) in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7822 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">internen Ratingklassen, die der Investment-Grade-Klasse</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7823 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">entsprechen, aus. Wir konzentrieren uns auf nicht-zyklische</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7825 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:71.77pt\">Branchen mit </span><span class=\"f charStyle-e63b9797 ps7824\" style=\"width:190.25pt\">nachhaltigen Margen und stressresistenten</span><span class=\"f charStyle-e63b9797 ps148\" style=\"width:2.11pt\"> </span></div><div class=\"ps7816 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:77.83pt\">Gesch\u00e4ftsmodellen.</span><span class=\"f charStyle-34546584 ps7826\" style=\"width:184.22pt\"> Dar\u00fcber hinaus ist das Portfolio</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7817 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">\u00fcberwiegend im Senior-secured-Rang, was die vorrangige</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7819 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">First-out-Position in der Kapitalstruktur widerspiegelt. Die</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps7821 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">relativ niedrige NPL-Quote von 1,1% (2024: 0,5%) spiegelt die</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7822 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">selektive Kreditvergabe und das widerstandsf\u00e4hige Portfolio</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7823 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:26.25pt\">wider.</span></div></div><div><div class=\"ps797 ss0\"><div class=\"ss518 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:3pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">Risikokonzentrationen nach Branchen im Corporates-Gesch\u00e4ft<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7828 ss566\"><div><div class=\"ps281 ss565\"><span class=\"f charStyle-c5fdbd46 ps2469\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps6384 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7829 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7830 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7831 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7832 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps2607\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Lender Financing<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7833 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">773<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7834 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">581<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7835 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">28%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7836 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">21%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Dienstleistungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7837 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">467<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7838 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">416<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7839 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">17%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7840 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">15%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">B-2-C-Produkte<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7841 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7842 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7843 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7844 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">9%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Lebensmittel &amp; Getr\u00e4nke<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7845 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7846 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">234<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7847 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7848 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Engineering und B-2-B<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7849 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">150<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7850 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">122<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7851 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7852 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Gesundheitswesen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7853 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7854 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">150<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7855 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7856 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pharmazeutika<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7857 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">133<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7858 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">136<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7859 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7860 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2770 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Versorgungsunternehmen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7861 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">115<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7862 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">193<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7863 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7864 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5344 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Holz &amp; Papier<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7865 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7866 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7867 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7868 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2816 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7869 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7870 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">655<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7871 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">16%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7872 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">23%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7806 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7873 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps772\">2.742<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7874 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.832<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7875 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7876 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1668 ss564\"><div><div class=\"ps4208 ss26\"><span class=\"f charStyle-5ee25b5a ps36\">Verwendung einer internen Branchensegmentierung.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps7878 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:53.23pt\">Real Estate: </span><span class=\"f charStyle-34546584 ps7877\" style=\"width:208.81pt\">Immobilientransaktionen umfassen Engagements,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7879 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">mit denen entweder direkt Einzelimmobilien,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7880 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Immobilienportfolios oder Kreditportfolios besichert durch</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7881 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Immobilien bzw. mehrere Immobilienarten finanziert werden.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7882 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das Kreditportfolio besteht aus vorrangig besicherten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7883 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Strukturen mit einem LTV/C von durchschnittlich &lt;50% (2024:</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7884 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">&lt;60 %). Das querbesicherte Ring-fenced-Portfolio verf\u00fcgt \u00fcber</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7885 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Merkmale wie signifikantes Eigenkapital, Cashflow-Sweeps,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps799 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Anforderungen an die Zinsdeckung, Zins-</span></div><div class=\"ps805 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Hedgingverpflichtungen, Garantien von Sponsoren und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps806 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Covenant-Tests, welche zu einer St\u00e4rkung der Positionen des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps807 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Kreditgebers beitragen. Die Immobilienarten unseres Real-</span></div><div class=\"ps808 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Estate-Portfolios sind gut diversifiziert. Der Anteil der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps809 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Wohnimmobilien am Gesamtbestand betr\u00e4gt 61% (2024: 51</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps814 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">%) im Jahr 2025. Das Neugesch\u00e4ft im Jahr 2025 konzentrierte</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7886 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">sich haupts\u00e4chlich auf Wohnimmobilien, bei denen die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps816 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Angebotsknappheit in unseren M\u00e4rkten weiterhin f\u00fcr gesunde</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps823 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Eckdaten gesorgt hat. Angesichts der starken Auswirkungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps824 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">des aktuellen Umfelds auf die Immobilienm\u00e4rkte haben wir die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps825 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">relevanten M\u00e4rkte- und Verm\u00f6genswertearten in Bezug auf</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps826 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:262.03pt\">L\u00e4nder und zugrunde liegende Verm\u00f6genswerte analysiert, um</span><span class=\"f charStyle-e63b9797 ps160\" style=\"width:2.11pt\"> </span></div><div class=\"ps827 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps2\" style=\"width:262.03pt\">unsere Risikobewertung und den selektiven Ansatz zu best\u00e4tigen.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps828 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:228.08pt\">Die Risikobewertung basiert auf den folgenden Fakten:</span><span class=\"f charStyle-34546584 ps7887\" style=\"width:2.36pt\"> </span></div><div class=\"ps7888 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Robuste Gesamtqualit\u00e4t der Verm\u00f6genswerte in</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7889 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">hochwertigen Lagen/Geografien \u00fcber alle Arten von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7890 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Verm\u00f6genswerten, insbesondere Industrie-, Logistik- und</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7891 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:71.92pt\">Wohnimmobilien</span></div><div class=\"ps7892 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.87pt\">Starke Sponsoren mit signifikantem Eigenkapitalanteil und</span><span class=\"f charStyle-34546584 ps959\" style=\"width:2.36pt\"> </span></div><div class=\"ps7893 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:231.44pt\">langj\u00e4hriger Gesch\u00e4ftsbeziehung mit der BAWAG Group</span></div><div class=\"ps7894 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.88pt\">Geringeres Nettoengagement im Vergleich zu anderen</span><span class=\"f charStyle-34546584 ps957\" style=\"width:2.36pt\"> </span></div><div class=\"ps7895 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Branchen mit hohen Verm\u00f6genswerten und starkem LTV</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps7896 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:122.85pt\">f\u00fcr internationale Immobilien</span></div><div class=\"ps7897 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Die Anlageklassen Wohnen und Logistik haben sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7898 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:247.85pt\">aufgrund der starken Angebots- und Nachfragedynamik gut</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7899 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">entwickelt, w\u00e4hrend die B\u00fcro- und Retail-Immobilien</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7900 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">unter\u00a0der unklaren Nachfrage und den h\u00f6heren</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7901 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.88pt\">Finanzierungskosten leiden, wobei in den USA erste</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7902 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:193.55pt\">Zeichen der Stabilisierung zu verzeichnen sind.</span></div><div class=\"ps7903 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Hohe Zinss\u00e4tze und Inflation \u00fcben nach wie vor einen</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7904 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.83pt\">gewissen Druck auf die Bewertungen aus, der jedoch durch</span><span class=\"f charStyle-34546584 ps1478\" style=\"width:2.36pt\"> </span></div><div class=\"ps7905 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:108.62pt\">hohe LTVs gemildert wird.</span></div><div class=\"ps805 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Das gesamte CRE-Portfolio hat sich 2025 um 4% von 5,5 Mrd. \u20ac</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps806 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">auf 5,7 Mrd. \u20ac erh\u00f6ht. Das Neugesch\u00e4ft verlagerte sich seit</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps807 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">2020 vor allem auf Industrie-, Logistik- und Wohnimmobilien.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps808 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Diese Anlageklassen weisen positive Eckdaten auf und machen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps809 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">77% des gesamten Gewerbeimmobilienportfolios im Jahr 2025</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps814 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">(2024: 72%) aus, gegen\u00fcber 48% 2020. Umgekehrt wurde das</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps7886 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Exposure der Kredite im Einzelhandel von 12% im Jahr 2020</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps816 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">auf 3% im Jahr 2025 (2024: 4%) und bei B\u00fcroimmobilien von</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps823 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">29% im Jahr 2020 auf 10% im Jahr 2025 (2024: 15%) erheblich</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps824 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">reduziert. Angesichts der Trends zum Onlineshopping und zur</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps825 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.03pt\">Heimarbeit verschlechterten sich die Fundamentaldaten in diesen</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps826 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Anlageklassen, und Neugesch\u00e4fte sind sehr selektiv. Diese</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps827 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.04pt\">Ver\u00e4nderung des Risikoappetits wurde bereits vor einigen Jahren</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps828 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">vorgenommen, was uns heute mit einem eingeschr\u00e4nkten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps829 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Exposure in diesen Anlageklassen zu Gute kommt und</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps830 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erm\u00f6glicht es uns, Kapital einzusetzen, wenn das Risiko-</span></div><div class=\"ps7906 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:133.56pt\">Rendite-Verh\u00e4ltnis g\u00fcnstiger ist.</span></div><div class=\"ps7907 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Unser Immobilienexposure in den Vereinigten Staaten, das</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7908 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">72% (4,1 Mrd. \u20ac) (2024: 61%, \u20ac 3,3 Mrd.) des gesamten</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7909 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gewerbeimmobilienportfolios ausmacht, ist in den Bereichen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7910 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wohnen, Industrie und Logistik gewachsen, in denen das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7911 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zugrunde liegende Angebot und die Nachfrage weiterhin stark</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7912 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">sind und sich die Cashflows weiterhin wie erwartet entwickeln.</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7913 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Diese Assetklassen machen 87% (2024: 85%) unserer</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7914 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">gewerblichen Immobilienfinanzierungen in den USA aus. Auf</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7915 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">B\u00fcroimmobilien in den Vereinigten Staaten entfallen nur 5%</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7916 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">(2024: 10%) des gewerblichen Immobilienverm\u00f6gens in H\u00f6he</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7917 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">von 0,2 Mrd. \u20ac (2024: \u20ac 0,3 Mrd.), wobei die Performing-</span></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verm\u00f6genswerte (0,2\u00a0Mrd. \u20ac) (2024: \u20ac 0,2 Mrd.) erhebliche</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Sicherheitspolster (LTV von 66%) (2024: 69 %) und zugrunde</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">liegende Cashflows aufweisen. Stresstests auf Portfolio- und</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:231.67pt\">Einzelgesch\u00e4ftsebene werden regelm\u00e4\u00dfig durchgef\u00fchrt.</span></div><div class=\"ps2901 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss571 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:300pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss568\"><div><div class=\"ps276 ss567\"><span class=\"f charStyle-9f85f029 ps36\">Real Estate zugrunde liegende Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss569\"><div><div class=\"ps279 ss567\" style=\"text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps36\" style=\"width:2.36pt\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps7919 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps4010\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps3156 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss569\"><div><div class=\"ps277 ss567\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7920 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2241 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7921 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7922 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Wohnimmobilien<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7923 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.492<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7924 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.769<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps7925 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">61%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7926 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">51%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Industrie/Logistik<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7927 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">905<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7928 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.131<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7929 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">16%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7930 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">21%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">B\u00fcro<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7931 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">585<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7932 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">833<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7933 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7798\"></span><span class=\"ps7798\">10%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7934 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7798\"></span><span class=\"ps7798\">15%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Gastgewerbe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7935 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">473<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7936 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">449<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7937 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7938 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Einzelhandel<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7939 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7940 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">199<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7941 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7942 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7943 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps650\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7944 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">80<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7945 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7946 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7799\"></span><span class=\"ps7799\">1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss570\"><div><div class=\"ps40 ss567\"><span class=\"f charStyle-c5fdbd46 ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7947 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps772\">5.686<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2259 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps772\">5.461<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7948 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7949 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6155 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:66.49pt\">Public Sector:</span><span class=\"f charStyle-34546584 ps7950\" style=\"width:195.56pt\"> Das Public-Sector-Portfolio besteht im</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6156 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wesentlichen aus direkten Krediten und Limiten an \u00f6ffentliche</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6158 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Gebietsk\u00f6rperschaften wie Staaten, L\u00e4nder oder Kommunen/</span></div><div class=\"ps4320 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Unternehmen oder an Einrichtungen, die (teilweise) im Besitz</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">solcher \u00f6ffentlichen Stellen sind. In der Regel liegt eine</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">explizite oder implizite Garantie der \u00f6ffentlichen Hand vor. Der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Schwerpunkt des Portfolios liegt in \u00d6sterreich, mit einem</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps4325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">kleineren Engagement in Frankreich und Deutschland.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps4326 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:258.35pt\">Insgesamt ist dieses Portfolio durch risikoarme staatliche oder</span><span class=\"f charStyle-34546584 ps7951\" style=\"width:2.36pt\"> </span></div><div class=\"ps6155 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">durch Garantien von L\u00e4ndern und Gemeinden garantierte</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps6156 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Engagements gekennzeichnet. Es gibt keine signifikante</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6158 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ausfallhistorie f\u00fcr \u00f6ffentliche Einrichtungen in unserem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps4320 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Portfolio, und wir gehen stark von staatlicher Unterst\u00fctzung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps4321 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">f\u00fcr \u00f6ffentliche Einrichtungen und Agenturen aus, die in der</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps4322 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Regel einen \u00f6ffentlichen Zweck erf\u00fcllen und daher systemisch</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps4323 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">wichtig sind. Es gibt keine NPLs in diesem Teilsegment und</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps4325 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">regulatorisch angeforderte risikogewichtete Aktiva sind</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps4326 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:31.55pt\">niedrig.</span><span class=\"f charStyle-34546584 ps7952\" style=\"width:2.36pt\"> </span></div><div class=\"ps7953 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Treasury </span></div><div class=\"ps7954 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps684\">Investment Grade</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-0b080fec ps4372\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Bargeld und Bargeld\u00e4quivalent &amp; Kundenforderungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps619\">14.803<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">18.491<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Investmentbuch<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.139<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.391<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">97,6%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-9208d16a ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.942<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">21.882<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7638\"></span><span class=\"ps7638\">99,4%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7638\"></span><span class=\"ps7638\">99,3%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7956 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-81af04f8 ps2\" style=\"width:36.88pt\">Treasury</span><span class=\"f charStyle-34546584 ps7955\" style=\"width:225.15pt\"> verfolgte weiterhin die Strategie, ein ausgewogenes</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7957 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verh\u00e4ltnis zwischen langfristigen Investitionen in hochwertige</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Wertpapiere und der Beibehaltung unseres Hold-to-Collect</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7959 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und Sell-Portfolios herzustellen, um die Flexibilit\u00e4t f\u00fcr</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Umschichtungen in Kundenkredite oder andere</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7961 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bilanzstrategien zu erm\u00f6glichen. Die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gesamtzusammensetzung des Portfolios spiegelt unsere</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7963 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Strategie wider, eine hohe Kreditqualit\u00e4t, eine kurz-/</span></div><div class=\"ps7964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">mittelfristige Duration und eine starke Liquidit\u00e4t im</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wertpapierportfolio aufrechtzuerhalten, um die Ziele der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7966 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Generierung eines zus\u00e4tzlichen Nettozinsertrags bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7967 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">gleichzeitiger Minimierung der Marktwertschwankungen in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7968 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">der Gewinn- und Verlustrechnung in Einklang zu bringen.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7969 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Angesicht der historisch engen Kreditspreads und der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7970 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">niedrigen Marktvolatilit\u00e4t und der daraus resultierenden</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">niedrigen risikoadjustierten Spreads waren wir in unserem</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:174.24pt\">Wertpapierportfolio 2025 unterinvestiert.</span><span class=\"f charStyle-34546584 ps7972\" style=\"width:2.36pt\"> </span></div><div class=\"ps7956 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Mit 31. Dezember 2025 beliefen sich das Investmentportfolio</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7957 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">auf 3,1 Mrd. \u20ac (2024: 3,4 Mrd. \u20ac) und die Liquidity Reserve</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7958 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">13,3 Mrd. \u20ac (2024: 16,7 Mrd. \u20ac). Die durchschnittliche Laufzeit</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7959 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">des Anlageportfolios betrug 3 Jahre (2024: 4 Jahre) und</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7960 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">umfasste zu fast 100% (2024: 99%) Wertpapiere mit</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7961 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Investment-Grade-Rating, von denen 89% (2024: 76%) in der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7962 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kategorie A oder h\u00f6her geratet waren. Das Portfolio hat weder</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7963 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">mit Dezember 2025 noch 2024 ein direktes Engagement in</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps7964 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">China und Russland, der Ukraine oder dem Mittleren Osten.</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7965 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:231.18pt\">Das Engagement in Osteuropa ist nach wie vor limitiert.</span></div><div class=\"ps797 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">Geografische Verteilung des Investmentbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Deutschland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">831<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">206<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">26%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7975\"></span><span class=\"ps7975\">6%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Ireland<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">815<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">941<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">26%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7974\"></span><span class=\"ps7974\">28%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">France<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">422<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">557<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">13%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7974\"></span><span class=\"ps7974\">16%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Austria<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">315<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">403<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">10%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7974\"></span><span class=\"ps7974\">12%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7267 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">United States<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7526 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">183<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7527 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">222<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7528 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7975\"></span><span class=\"ps7975\">6%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7529 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7975\"></span><span class=\"ps7975\">7%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps466 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps468 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">574<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps469 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.062<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps470 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7974\"></span><span class=\"ps7974\">18%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps472 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7974\"></span><span class=\"ps7974\">31%<span style=\"display:inline-block;height:6pt;width:3.09pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1847 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4227 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps772\">3.139<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4228 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.391<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2260 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps7976\"></span><span class=\"ps7976\">100%<span style=\"display:inline-block;height:6pt;width:2.97pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2261 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps7976\"></span><span class=\"ps7976\">100%<span style=\"display:inline-block;height:6pt;width:2.97pt\"></span></span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7977 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss549\"><div><div class=\"ps276 ss26\"><span class=\"f charStyle-9f85f029 ps36\">W\u00e4hrungsverteilung des Investmentbuchs<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps279 ss26\" style=\"text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps36\" style=\"width:2.36pt\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps625\">2.785<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.885<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">88,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">85,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2654 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2656 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps622\">354<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2657 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">412<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2658 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">11,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2659 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">12,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5148 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps36\">Sonstige<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5150 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5151 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">95<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5152 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7673\"></span><span class=\"ps7673\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5153 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">2,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3338 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">Summe</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7522 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314 ps772\">3.139<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7523 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps772\">3.391<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7524 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps7525 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps3798\"></span><span class=\"ps3798\">100%</span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps7978 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Corporate Center</span></div><div class=\"ps7979 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Das Corporate Center enth\u00e4lt zentrale Funktionen f\u00fcr die</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">BAWAG. Die Gewinn- und Verlustrechnung umfasst daher das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7981 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ergebnis des Fund Transfer Pricing (FTP) als Ergebnis der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7982 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Asset\u00a0&amp; Liability-Management-Funktion, projektbezogene</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7983 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Betriebsausgaben und andere einmalige Posten. Die Bilanz</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7984 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">enth\u00e4lt haupts\u00e4chlich unverzinsliche Verm\u00f6genswerte,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:147.24pt\">Verbindlichkeiten und Eigenkapital.</span><span class=\"f charStyle-34546584 ps7985\" style=\"width:2.36pt\"> </span></div><div class=\"ps7987 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2\">Notleidende Kredite</span></div><div class=\"ps7988 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Ausfalldefinition der BAWAG basiert auf Artikel 178 CRR</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps7989 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">und den Leitlinien der EBA (EBA/GL/2016/07) und wurde am</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps7990 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">26. Februar 2020 von der EZB mit der Entscheidung ECB-</span></div><div class=\"ps7991 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">SSM-2020-ATBAW-4 genehmigt. Der Ansatz wurde</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7992 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">anschlie\u00dfend erweitert, um die notleidenden Risikopositionen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7994 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:168.23pt\">nach Artikel 47a CRR zu ber\u00fccksichtigen.</span><span class=\"f charStyle-34546584 ps7993\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps7995 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Basierend auf diesem regulatorischen Ansatz hat BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7996 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">wirtschaftlich notleidende Risikopositionen (\u00f6konomisch NPL)</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7997 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">definiert. Diese unterscheidet sich von der regulatorischen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7998 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Ausfalldefinition dadurch dass Retail &amp; SME-Positionen ohne</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7999 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">materielle R\u00fcckst\u00e4nde in den Ratingklassen 8.1 (&gt; 90 DPD), 8.2</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8000 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">(Strukturierungen) und 8.4 (harte und weiche UTP-Trigger) als</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps8001 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">performing Kredite betrachtet werden. In weiterer Folge wird</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps8002 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">f\u00fcr notleidende Kredite die Definition von \u00f6konomisch</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8003 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:176.08pt\">notleidenden Risikopositionen verwendet.</span></div><div class=\"ps8004 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Die folgende Tabelle zeigt die Quote \u00f6konomisch notleidender</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps2585 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Kredite (NPL-Quote), Wertberichtigungen, NPL-</span></div><div class=\"ps2586 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertberichtigungsquote und NPL-Besicherungsquote des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps2587 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kreditportfolios. Das niedrige Risikoprofil spiegelt sich in der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2588 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">historisch niedrigen NPL-Quote, im niedrigen Volumen an</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8005 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">\u00fcberf\u00e4lligen Forderungen und der erh\u00f6hten</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8006 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wertberichtigungs- und Besicherungsdeckung \u00fcber das</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8007 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">gesamte Portfolio wider. Mehr als 83 % (2024: 87 %) des</span><span class=\"f charStyle-34546584 ps1243\" style=\"width:2.36pt\"> </span></div><div class=\"ps8008 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Exposures k\u00f6nnen einem Investment-Grade-Rating zugeordnet</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps8009 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">werden, dies entspricht einem externen Rating zwischen AAA</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps8012 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:35pt\">und BBB</span><span class=\"f charStyle-34546584 ps8010\" style=\"width:2.62pt\">.</span><span class=\"f charStyle-34546584 ps8011\" style=\"width:2.36pt\"> </span></div><div class=\"ps797 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps2285\">Buchwert</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps7520\">in %</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Bilanzielle Gesch\u00e4fte (brutto)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">70.590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">69.353<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314\"><span class=\"ps8014\"></span><span class=\"ps8014\">100,0%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec\"><span class=\"ps8014\"></span><span class=\"ps8014\">100,0%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps858 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon Stufe 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4022 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps650\">99<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon Stufe 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps315 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps316 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps319 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon Stufe 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps321 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps622\">307<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps322 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">242<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps323 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,4%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps324 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps326 ss30\"><div><div class=\"ps40 ss26\"><span class=\"f charStyle-37455c2a ps621\">davon POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps627 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps628 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps629 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7673\"></span><span class=\"ps7673\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps630 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7673\"></span><span class=\"ps7673\">\u2014%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2683 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Bilanzielle Gesch\u00e4fte (netto)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">70.090<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">68.985<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,3%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">99,5%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2689 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">NPL-Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7536\"></span><span class=\"ps7536\">0,8%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2262 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Wertberichtungdeckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2263 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">55,0%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2264 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">47,2%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2265 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Deckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps7401 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps5710\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2266 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps7535\"></span><span class=\"ps7535\">68,1%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2267 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps7535\"></span><span class=\"ps7535\">70,7%<span style=\"display:inline-block;height:6pt;width:0.12pt\"></span></span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2096 ss564\"><div><div class=\"ps4208 ss26\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps4349 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die folgende Tabelle zeigt die NPL-Quote, die NPL-</span></div><div class=\"ps4350 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wertberichtungdeckungsquote und die NPL-Deckungsquote</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps4351 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">aufgegliedert in die Segmente Retail &amp; SME und Corporates,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps4352 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:114.21pt\">Real Estate &amp; Public Sector.</span></div><div class=\"ps8017 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps1091 ss26\"><span class=\"f charStyle-eb26ad5d ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps284 ss264\"><div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps8015\">Retail &amp; SME</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"3\" style=\"border-bottom:0.25pt solid #000000;padding:0\"><div class=\"ps288 ss264\"><div><div class=\"ps624 ss263\"><span class=\"f charStyle-c5fdbd46 ps1758\">Corporates, Real Estate &amp; </span></div><div class=\"ps281 ss263\"><span class=\"f charStyle-c5fdbd46 ps8016\">Public Sector</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-32bf9c18 ps36\">in Mio. \u20ac</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps296 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps297 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps298 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps299 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2242 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps4014 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">38.813<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4015 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">34.106<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2758 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">14.166<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2759 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">13.339<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000;padding:0\"><div class=\"ps858 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">NPL-Quote<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps4018 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4019 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">1,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps2760 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,2%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2761 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1137\"></span><span class=\"ps1137\">0,7%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2763 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Wertberichtungdeckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps4022 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">55,6%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4023 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">52,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2764 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">43,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2765 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">24,0%</span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps313 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-c5fdbd46 ps36\">NPL-Deckungsquote</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps315 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">68,9%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps316 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">70,7%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps317 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34\"><span class=\"ps1120\"></span><span class=\"ps1120\">54,1%</span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps318 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4\"><span class=\"ps1120\"></span><span class=\"ps1120\">71,3%</span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps319 ss564\"><div><div class=\"ps4208 ss26\"><span class=\"f charStyle-5ee25b5a ps36\">Die NPL-Deckungsquote f\u00fcr 2024 wurde angepasst.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #9b0000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.25pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div class=\"ps8018 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Erhaltene Sicherheiten f\u00fcr das NPL-Portfolio</span></div><div class=\"ps8019 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die folgenden Zahlen beziehen sich auf das Brutto-NPL-</span></div><div class=\"ps8021 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:78.6pt\">Exposure (Stufe 3).</span><span class=\"f charStyle-34546584 ps8020\" style=\"width:2.36pt\"> </span></div><div class=\"ps8029 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss184\"><div><div class=\"ps8022 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8023\">NPL Exposure</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-c5fdbd46 ps8024\">Immobilien </span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps8025\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps5775\">Sonstige Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps5458\">Finanzgarantien</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps8025\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8027\">verbesserungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Retail &amp; SME</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3318 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3319 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">92<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3321 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">51<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3322 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8028 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Corporates, Real Estate &amp; Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3546 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-9208d16a ps36\">Gesamtportfolio</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">680<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">98<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3333 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">Die dargestellten Sicherheiten sind Marktwerte.</span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8035 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:200.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:62.25pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss184\"><div><div class=\"ps8022 ss183\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps3306 ss183\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3309 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8032\">NPL Exposure</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3312 ss185\"><div><div class=\"ps40 ss151\"><span class=\"f charStyle-c5fdbd46 ps8024\">Immobilien </span></div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps8025\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3132 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps5775\">Sonstige Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8026\">sicherheiten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3134 ss185\"><div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8033\">Finanzgarantien</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps3028 ss185\"><div><div class=\"ps1717 ss151\"><span class=\"f charStyle-c5fdbd46 ps3206\">Kredit-</span></div><div class=\"ps2027 ss151\"><span class=\"f charStyle-c5fdbd46 ps8034\">verbesserungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Retail &amp; SME</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3318 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">494<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3319 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">117<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3321 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3322 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8028 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3323 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-c5fdbd46 ps36\">Corporates, Real Estate &amp; Public Sector</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3324 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3049\">107<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3325 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3147\">94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3326 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3327 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3143\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3546 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-cc1eb9a4 ps3141\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3328 ss186\"><div><div class=\"ps291 ss183\"><span class=\"f charStyle-9208d16a ps36\">Gesamtportfolio</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3329 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">601<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3330 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3049\">210<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3331 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3147\">25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3332 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3547 ss155\"><div><div class=\"ps291 ss151\"><span class=\"f charStyle-0b080fec ps3141\">7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3333 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">Die dargestellten Sicherheiten sind Marktwerte.</span></div></div></div></td></tr></tbody></table></div></div></div><div><div id=\"i09a461f17cf74621addefd77da42aae9_175\" style=\"position:absolute;top:104.88pt\"></div><div class=\"ps328 ss0\" style=\"font-size:13pt\"><span class=\"f charStyle-b1e544a7 ps2\">I</span><span class=\"f charStyle-b1e544a7 ps8036\">mpairment</span></div><div class=\"ps1238 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gem\u00e4\u00df IFRS 9 werden die Wertberichtigungen anhand von</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">erwarteten Kreditverluste f\u00fcr alle nicht ausgefallenen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Verm\u00f6genswerte in Stufe 1 und 2 (in Folge als ECL bezeichnet)</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und f\u00fcr alle ausgefallenen finanziellen Verm\u00f6genswerte in<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> <span class=\"f ps37\"> </span></span></div><div class=\"ps1242 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Stufe 3 (in Folge als LLP bezeichnet) berechnet, die zu</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1049 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">fortgef\u00fchrten Anschaffungskosten (AC) oder FVOCI erfasst</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1050 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden, einschlie\u00dflich Leasingforderungen, Kreditzusagen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1051 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Finanzgarantien sowie Vertragsforderungen gem\u00e4\u00df IFRS 15.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1052 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Einstufung in Stufe 3 wird gem\u00e4\u00df Kapitel \"Notleidende</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1053 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:93.26pt\">Kredite\"\u00a0 angewendet.</span></div><div class=\"ps1055 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das folgende Kapitel ist in f\u00fcnf Unterkapitel unterteilt, um die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1056 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Beurteilung und die Berechnung von Wertminderungen der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1058 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:100.48pt\">BAWAG zu beschreiben:</span><span class=\"f charStyle-34546584 ps8037\" style=\"width:2.36pt\"> </span></div><div class=\"ps1062 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">1.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:71.6pt\">Stufenzuordnung</span></div><div class=\"ps1067 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">2.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:134.89pt\">Berechnung der Wertminderung</span><span class=\"f charStyle-34546584 ps8039\" style=\"width:2.36pt\"> </span></div><div class=\"ps1069 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">3.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:226.06pt\">Entwicklung von Buchwerten, Wertminderungen und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1426 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps5516\" style=\"width:27.05pt\">Stufen</span></div><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">4.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:202.66pt\">Neuartige Risiken und Post-Modell-Anpassungen</span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps8038\" style=\"width:7.78pt\">5.<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps5516\" style=\"width:81.34pt\">Sensitivit\u00e4tsanalyse</span></div></div><span class=\"f charStyle-02ed52cc ps1633\">Stufenzuordnung</span><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Ein wesentlicher Aspekt der Sch\u00e4tzung von Wertminderungen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">nach IFRS 9 ist die Einteilung der finanziellen Verm\u00f6genswerte</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">in drei Stufen. Die Stufen 1 und 2 umfassen Verm\u00f6genswerte,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">die als r\u00fcckzahlungsf\u00e4hig angesehen werden, w\u00e4hrend Stufe 3</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">f\u00fcr \u00f6konomisch notleidende Verm\u00f6genswerte (siehe Kapitel</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">\"Notleidende Kredite\") vorgesehen ist. Dar\u00fcber hinaus fallen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">finanzielle Verm\u00f6genswerte, welche bei Erwerb oder</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Kreditvergabe bereits als notleidend identifiziert wurden in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">eine separate Kategorie Purchased or originated as credit-</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">impaired (POCI). Die BAWAG-Gruppe pr\u00fcft die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Stufenzuordnung der Verm\u00f6genswerte zu jedem</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:75.39pt\">Berichtszeitpunkt.</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 1: Erstmalige Erfassung </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Stufe 1 umfasst alle finanziellen Instrumente bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">erstmaliger Erfassung (Ausnahme POCI) und diejenigen, deren</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Kreditrisiko sich seit der Ersterfassung nicht signifikant erh\u00f6ht</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:16.3pt\">hat.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 2: Signifikanter Anstieg des Kreditrisikos (SICR)</span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Finanzinstrumente, bei denen ein signifikanter Anstieg des</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Kreditrisikos seit der erstmaligen Buchung festgestellt wird,</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden in Stufe 2 transferiert (Ausnahme POCI). Die SICR-</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Einstufung der Verm\u00f6genswerte wird auf Einzelkontoebene</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:57.31pt\">durchgef\u00fchrt.</span><span class=\"f charStyle-34546584 ps8040\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Transferkriterien von Stufe 1 auf Stufe 2 basieren auf drei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:30.51pt\">S\u00e4ulen:</span></div><div class=\"ps1564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:89.13pt\">quantitative Kriterien</span></div><div class=\"ps1566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:82.73pt\">qualitative Kriterien</span></div><div class=\"ps1568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:79.88pt\">Backstop-Kriterium</span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die quantitativen Kriterien untersuchen die Verschlechterung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">der Lifetime-PDs seit der erstmaligen Buchung, w\u00e4hrend die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">qualitativen Kriterien zus\u00e4tzliche Informationen \u00fcber die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verm\u00f6genswerte ber\u00fccksichtigen, um einen signifikanten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Anstieg des Kreditrisikos zu beurteilen. Als zus\u00e4tzliches</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Backstop-Kriterium wird in der BAWAG der Zahlungsr\u00fcckstand</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">von 30 Tagen ber\u00fccksichtigt. Wenn eines der Kriterien erf\u00fcllt</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">ist, wird ein Finanzinstrument von Stufe 1 in Stufe 2 \u00fcberf\u00fchrt.</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Ist keines der Transferkriterien erf\u00fcllt, wird der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Verm\u00f6genswert beibehalten oder wieder in Stufe 1</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:50.05pt\">zugeordnet.</span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Quantitative Kriterien</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Ein quantitatives Kriterium untersucht das Kreditrisikoprofil</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:227.63pt\">des finanziellen Verm\u00f6genswerts unter zwei Aspekten:</span></div><div class=\"ps1531 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:147.96pt\">der relativen Lifetime-PD-\u00c4nderung</span></div><div class=\"ps1533 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:152.39pt\">der absoluten Lifetime-PD-\u00c4nderung</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Wenn beide Indikatoren die vorgegebenen Schwellenwerte,</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">welche auf Portfolio-Ebene bestimmt werden, \u00fcberschreiten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">und auf einen signifikanten Anstieg des Kreditrisikos</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:201.32pt\">hinweisen, wird das Asset in Stufe 2 transferiert.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Qualitative Kriterien</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die von der BAWAG ausgew\u00e4hlten Faktoren f\u00fcr die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:143.83pt\">qualitativen Staging-Kriterien sind:</span></div><div class=\"ps1543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:197.64pt\">Aufnahme in die Watchlist (Non-Retail-Kunden)</span></div><div class=\"ps1545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:164.41pt\">Eintrag in die Warnliste (Retail-Kunden)</span></div><div class=\"ps1547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:163.89pt\">Setzung des Forbearance-Kennzeichens</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Wenn einer dieser Faktoren als aktiv gekennzeichnet ist, wird</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:235.95pt\">der finanzielle Verm\u00f6genswert in die Stufe 2 \u00fcbertragen.</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Backstop-Kriterium</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Als Backstop-Kriterium wird in der BAWAG ein</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Zahlungsr\u00fcckstand von mehr als 30 Tagen verwendet. Alle</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Finanzinstrumente, die mehr als 30 Tage \u00fcberf\u00e4llig sind,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.97pt\">werden in Stufe 2 transferiert, sofern sie nicht schon in Stufe 3</span><span class=\"f charStyle-34546584 ps237\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:19.72pt\">sind.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Stufe 3: Notleidende Verm\u00f6genswerte</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Finanzinstrumente werden gem\u00e4\u00df der Ausfalldefinition f\u00fcr</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">\u00f6konomisch notleidenden Kredite in Stufe 3 eingestuft,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">basierend auf dem Ausfall nach Artikel 178 CRR,\u00a0 bereinigt um</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Retail &amp; SME-Positionen ohne materielle R\u00fcckst\u00e4nde auf</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundenebene f\u00fcr 90-Tage-\u00fcberf\u00e4llige Kredite,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Restrukturierungen bzw. harte und weiche UTP-Trigger. Sobald</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">die Gesundungsperiode ohne R\u00fcckstand beginnt, wird das</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Finanzinstrument in Stufe 2 eingestuft; jedoch f\u00fchrt jeder</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">materielle R\u00fcckstand auf Kundenebene zu einen sofortigen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Transfer nach Stufe 3. Dar\u00fcber hinaus erfolgt die R\u00fcckstufung</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.98pt\">eines Finanzinstruments in Stufe\u202f1 oder Stufe\u202f2 (gem\u00e4\u00df SICR-</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Klassifizierung), sobald dessen Gesundung nach einem Ausfall</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:166.54pt\">nach Artikel 178 CRR festgestellt wurde.</span></div><span class=\"f charStyle-02ed52cc ps1633\">Berechnung der Wertminderung</span><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Berechnung der Wertminderung von Finanzinstrumenten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">st\u00fctzt sich auf drei grundlegende Parameter:</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ausfallwahrscheinlichkeit (PD \u2013 Probability of Default),</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Verlustquote bei Ausfall (LGD \u2013 Loss Given Default) und</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">ausstehende Kreditsumme bei Ausfall (EAD \u2013 Exposure at</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Default). Diese Parameter bestimmen gemeinsam die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bewertung der erwarteten Kreditverluste und werden mit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Hilfe interner Modelle gesch\u00e4tzt. Wenn vorhanden, bilden die</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">aufsichtsrechtlichen, auf internen Ratings basierenden (IRB)</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Risikomodelle, die konzeptionell auf Through-the-Cycle-</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Beobachtungen basieren, den Ausgangspunkt f\u00fcr die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Sch\u00e4tzung der Wertminderungsparameter. F\u00fcr</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risikoparameter, f\u00fcr die keine IRB-Risikomodelle eingesetzt</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden, d.h. Standardansatz oder LGDs f\u00fcr F-IRB-Modelle,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">werden andere interne Modelle und Sch\u00e4tzungen (bspw.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">durch Benchmarking) verwendet. Zur IFRS-9-Konformit\u00e4t</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">werden folgende Anpassungen implementiert: Erweiterung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">des Prognosehorizonts auf die gesamte Kreditlaufzeit,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Transformation der Through-the-Cycle zu Point-in-Time-</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Parametern zur Abbildung aktueller Markttrends sowie</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Integration zukunftsgerichteter Informationen in die ECL-</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Berechnung. Die Parameter werden in allen drei Stufen (au\u00dfer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">bei Stufe 3 Corporate Customers, wo ein individuelles</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Assessment durchgef\u00fchrt wird) angewandt, aber ihre</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Anwendung in der endg\u00fcltigen Wertminderungsberechnung</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">unterscheidet sich je nach Stufe des einzelnen finanziellen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:73.06pt\">Verm\u00f6genswerts.</span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">F\u00fcr die Ermittlung der Risikoparameter f\u00fcr die Gesamtlaufzeit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">f\u00fcr Portfolios mit unterschiedlichen zugrunde liegenden</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Risiken werden separate Modelle und Sch\u00e4tzungen entwickelt.</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Genauigkeit der Modelle wird durch j\u00e4hrliche interne</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:230.19pt\">Modellvalidierung kontinuierlich und rigoros \u00fcberpr\u00fcft.</span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die Lifetime-Risikoparameter nach IFRS 9 bestehen aus einer</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zyklus\u00fcbergreifenden (Through-the-Cycle) und einer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zeitpunktbezogenen (Point-in-Time) Komponente, welche</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">vorrausschauende Informationen (Forward-looking-</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Information) ber\u00fccksichtigt. Die Through-the-Cycle-</span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Komponente erfasst die idiosynkratischen Risiken der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Finanzinstrumente, die im Zeitablauf stabil sind und durch den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">langfristigen Durchschnitt der Risikoparameter gemessen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">werden. Die zeitpunktbezogene Komponente misst die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">systematischen Risiken, die in der Regel durch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">makro\u00f6konomische Prognosen und den Kreditrisikozyklus des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:123.76pt\">Portfolios dargestellt werden.</span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Exposure bei Ausfall (EAD)</span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Das Lifetime-Exposure at Default misst den erwarteten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Forderungsbetrag zum Zeitpunkt des Ausfalls. Bei Krediten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1041 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">wird der Betrag als Summe der diskontierten zuk\u00fcnftigen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Cashflows gesch\u00e4tzt, die die Bank erwartungsgem\u00e4\u00df erh\u00e4lt.</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">F\u00fcr revolvierende Produkte ist EAD eine Summe der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">erwarteten in Anspruch genommenen Zusagen zum Zeitpunkt</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">des Ausfalls. Die zum Zeitpunkt des Ausfalls erwarteten in</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Anspruch genommenen Betr\u00e4ge werden durch den</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kreditkonversionsfaktor (CCF) approximiert, der auf der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Grundlage der historisch beobachteten in Anspruch</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:163.23pt\">genommenen Zusagen modelliert wird.</span></div><div class=\"ps52 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Ausfallwahrscheinlichkeit (PD)</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.04pt\">Die Lifetime-Ausfallwahrscheinlichkeit ist die Wahrscheinlichkeit</span><span class=\"f charStyle-7973db00 ps192\" style=\"width:2.26pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.01pt\">der Zahlungsunf\u00e4higkeit des Kunden \u00fcber die Laufzeit des</span><span class=\"f charStyle-7973db00 ps212\" style=\"width:2.26pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.03pt\">Finanzinstruments. Die Through-the-Cycle-Komponente der PD</span><span class=\"f charStyle-7973db00 ps205\" style=\"width:2.26pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.05pt\">wird durch das langfristige durchschnittliche</span><span class=\"f charStyle-7973db00 ps208\" style=\"width:2.26pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:262.04pt\">Migrationverhaltens der Ratings abgeleitet und prim\u00e4r anhand</span><span class=\"f charStyle-7973db00 ps192\" style=\"width:2.26pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:140.45pt\">von Migrationsmatrizen gesch\u00e4tzt.</span><span class=\"f charStyle-7973db00 ps8041\" style=\"width:2.26pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Verlust bei Ausfall (LGD)</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Der Lifetime-Verlust bei Ausfall stellt den erwarteten Verlust</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der Bank dar, wenn die finanziellen Verm\u00f6genswerte</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">ausgefallen sind. Er wird auf der Grundlage historischer</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Verlustquoten gesch\u00e4tzt, wobei Faktoren wie Gesundung,</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sicherheiten, Barzahlungen und andere Quellen der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Verwertung ber\u00fccksichtigt werden. Diese diskontierten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">R\u00fcckfl\u00fcsse werden mit dem erwarteten Exposure at Default</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">w\u00e4hrend der Laufzeit des finanziellen Verm\u00f6genswerts</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">verglichen. Dies erm\u00f6glicht, den erwarteten Verlust im Falle</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">eines Ausfalls zu verstehen, wobei ber\u00fccksichtigt wird, wie</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">sich die Erl\u00f6sfaktoren, z.B. Werte von Sicherheiten, w\u00e4hrend</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:257.37pt\">der Lebensdauer des finanziellen Verm\u00f6genswerts ver\u00e4ndern.</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Zukunftsgerichtete Informationen f\u00fcr Point-in-Time-</span></div><div class=\"ps259 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Anpassung</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die Parameter f\u00fcr den erwarteten Kreditverlust sind von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zukunftsgerichteten Informationen abh\u00e4ngig. Daher werden</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">diese Parameter auf der Grundlage der vorherrschenden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">makro\u00f6konomischen Bedingungen und ihrer Prognosen zu</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">jedem Zeitpunkt angepasst. So h\u00e4ngen beispielsweise die</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Prognosen f\u00fcr die Wertentwicklung von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Immobiliensicherheiten von der Vorhersage des</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Immobilienpreisindexes ab, und die Beziehung zwischen der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Ausfallwahrscheinlichkeit und makro\u00f6konomischen Faktoren,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.06pt\">wie dem Bruttoinlandsprodukt oder Arbeitslosigkeit, wird</span><span class=\"f charStyle-e63b9797 ps190\" style=\"width:2.11pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.06pt\">bewertet und prognostiziert. Zur Gew\u00e4hrleistung einer objektiven</span><span class=\"f charStyle-e63b9797 ps190\" style=\"width:2.11pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262pt\">und marktgerechten Datenbasis greift das Institut hierbei auf die</span><span class=\"f charStyle-e63b9797 ps186\" style=\"width:2.11pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:262.03pt\">etablierten makro\u00f6konomischen Szenarien von Moody\u2019s Analytics</span><span class=\"f charStyle-e63b9797 ps205\" style=\"width:2.11pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-e63b9797 ps185\" style=\"width:28.16pt\">zur\u00fcck.</span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG verwendet f\u00fcr ihre makro\u00f6konomischen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Prognosen ein Set von drei Szenarien: 26% pessimistisch, 45%</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Baseline und 29% optimistisch. Die Gewichtung wird mithilfe</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">eines statistischen Ansatzes abgeleitet, der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wahrscheinlichkeitsgewichtungen aus dem Schweregrad der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">gegebenen Szenarien ermittelt und als Anteil der m\u00f6glichen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zuk\u00fcnftigen Ergebnisse zu verstehen ist, den das jeweilige</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:74.93pt\">Szenario darstellt.</span><span class=\"f charStyle-34546584 ps8042\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Szenarien basieren auf einem bereitgestellten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Basisszenario, das als zentrale makro\u00f6konomische Referenz</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">(\u201eBaseline\u201c) dient. Ausgehend von dieser Grundlage werden</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">die weiteren Szenarien entwickelt und zur Verf\u00fcgung gestellt.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Diese werden unter Ber\u00fccksichtigung des jeweiligen Szenario-</span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Narrativ ermittelt. Das makro\u00f6konomische Szenario-Komitee</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">pr\u00fcft alle Szenarien und erteilt die finale Genehmigung. Von</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">allen makro\u00f6konomischen Variablen verwendet die BAWAG</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">das BIP-Wachstum als Hauptquelle f\u00fcr zukunftsgerichtete</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Informationen, die in den ECL-Sch\u00e4tzungen ber\u00fccksichtigt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden, wobei zus\u00e4tzliche Variablen wie Inflation,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Arbeitslosenquote oder Immobilienpreise eine erg\u00e4nzende</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:55.35pt\">Rolle spielen.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Makro\u00f6konomische Prognose f\u00fcr den Euroraum und US,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:138.84pt\">angewendet f\u00fcr ECL-Berechnung:</span><span class=\"f charStyle-34546584 ps8043\" style=\"width:2.36pt\"> </span></div><div class=\"ps3714 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:12pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6940 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">Euroraum BIP-Wachstum 31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps8044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8045 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8046 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8047 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8048 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps8049 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1334 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8053 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">Euroraum BIP-Wachstum 31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-0,5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8054 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:12pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6940 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">US BIP-Wachstum 31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps8044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8045 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8046 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8047 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2028<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8048 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps8049 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1334 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps294\">1,9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,4<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8055 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:12pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps6940 ss27\"><div><div class=\"ps4211 ss26\"><span class=\"f charStyle-dcb49308 ps36\">US BIP-Wachstum 31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in %<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8045 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8046 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2026<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8047 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps433\">2027<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8048 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Optimistisch (29% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8049 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8050 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">3,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8051 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8052 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps1334 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Basislinie (45% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3720 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Pessimistisch (26% Gewichtung)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps506\">-1,0<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">0,6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps294\">2,5<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 1 &amp; 2: Erwarteter Kreditverlust (ECL)</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die erwarteten Kreditverluste werden f\u00fcr jedes Gesch\u00e4ft</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">einzeln auf Basis der Parameter PD, LGD und EAD berechnet.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die BAWAG wendet ein wahrscheinlichkeitsgewichtetes</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">erwartetes Ergebnis unter drei verschiedenen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">makro\u00f6konomischen Szenarien an, die mit entsprechenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Gewichten aggregiert werden, um eine endg\u00fcltige ECL-</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Sch\u00e4tzung zu erstellen. Die Verteilung auf drei Szenarien</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">erm\u00f6glicht es der Bank, ein breites Spektrum an</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zukunftserwartungen abzudecken, und wurde im Rahmen der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:230.7pt\">Branchenstandards als am besten geeignet ausgew\u00e4hlt.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 1: 12-Monats-ECL</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Horizont der Berechnung des erwarteten Kreditverlusts f\u00fcr</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Stufe 1 ist bis zu einem Jahr nach dem Stichtag, unter</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der\u00a0Ber\u00fccksichtigung der vorausschauenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Ausfallswahrscheinlichkeit, des Verlusts bei Ausfall und der</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:182.35pt\">Exposure-Struktur innerhalb dieser Periode.</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 2: Lifetime-ECL</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">F\u00fcr Finanzinstrumente in Stufe 2 werden die erwarteten</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Kreditverluste wie bei Stage 1 berechnet, jedoch der Horizont</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">f\u00fcr die erwarteten Kreditverluste ist erweitert bis zum Ende</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:126.13pt\">der Laufzeit des Instrumentes.</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Stufe 3: Wertberichtigungen (LLP)</span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bei Retail-, KMU- und nicht signifikanten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Unternehmenskunden erfolgt die Berechnung der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wertberichtigungen automatisiert anhand interner Modelle.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Diese st\u00fctzen sich auf historisch beobachtete Ausfall- und</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Eintreibungsinformationen, die Dauer des jeweiligen Ausfalls</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:178.58pt\">sowie LTV-Werte bei Hypothekendarlehen.</span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Demgegen\u00fcber unterliegen Engagements gegen\u00fcber</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">signifikanten Unternehmenskunden, Finanzinstituten und der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">\u00f6ffentlichen Hand einer individuellen Risikoanalyse. Um</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">etwaige Verlustereignisse zu identifizieren, werden in</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">regelm\u00e4\u00dfigen Abst\u00e4nden aktuelle Informationen und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">kontrahentenbezogene Faktoren gepr\u00fcft. Hierzu z\u00e4hlen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">insbesondere erhebliche finanzielle Schwierigkeiten des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Schuldners oder Vertragsbr\u00fcche, wie etwa der Verzug oder</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:168.47pt\">Ausfall von Zins- und Tilgungsleistungen.</span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">In der Kompetenz- und Pouvoirordnung ist der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Genehmigungsvorgang f\u00fcr die Abschreibung und den Verzicht</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">geregelt. Ausbuchungen erfolgen in Abstimmung mit den</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">jeweiligen Fachbereichen, wenn alle zumutbaren</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Bestrebungen, die Forderung einzutreiben, ergebnislos</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">verlaufen sind oder wenn keine Absicht besteht, die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:125.17pt\">Betreibung aktiv fortzusetzen.</span></div><span class=\"f charStyle-02ed52cc ps1633\">Entwicklung von Buchwerten, Wertminderungen und </span><div class=\"ps187 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps1633\">Stufen <span class=\"f ps37\"> </span></span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die folgende Tabelle gibt einen \u00dcberblick f\u00fcr die Entwicklung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der IFRS-Buchwerte (netto, abz\u00fcglich Wertberichtigungen)</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:111.32pt\">\u00fcber die jeweiligen Stufen:</span></div><div class=\"ps2555 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Entwicklung von Buchwerten nach Stufe</span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss572\"><div><div class=\"ps8056 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3584 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss573\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1336\">Er\u00f6ffnungsbil<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8057\">anz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8058\">Erh\u00f6hungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8060\">Originierung </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8061\">und Erwerb</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss573\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4377\">R\u00fcckg\u00e4nge <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8062\">R\u00fcckzahlung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8063\">\u00c4nderungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8064\">an </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8065\">existierenden </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8066\">Buchwerten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss573\"><div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps3137\">Schlussbilanz<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps854 ss574\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der Stufe 1<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4418 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps684\">63.063<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4419 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps684\">17.881<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4420 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.612<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4421 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.642<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4422 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps684\">65.690<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5542 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5544 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">31.937<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5545 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">9.344<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5546 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.717<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5547 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.411<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5548 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">36.154<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3623 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8067 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">12.686<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8068 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.408<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8069 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.297<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8070 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.257<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3626 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">13.541<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6839 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8071 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">18.421<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8072 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">4.124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6844 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.591<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6845 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-3.972<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6846 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">15.982<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3590 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8073 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">17<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8074 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8075 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8076 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8077 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps631 ss574\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der Stufe 2<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2086 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps772\">1.928<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps632 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">357<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps633 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps623\">-156<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps634 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps708\">-63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps635 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps772\">2.066<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1718 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4442 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.458<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4443 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">355<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4444 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-111<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1719 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-144<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1721 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.558<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5282 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8078 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">469<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8079 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8080 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-44<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8081 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">81<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8082 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">508<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3598 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8083 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8084 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8085 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8086 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8087 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps659 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8088 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps660 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps661 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps663 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps664 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2699 ss574\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der Stufe 3<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2700 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">571<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2701 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps650\">77<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2702 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps623\">-125<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2703 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps650\">96<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2704 ss73\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-0b080fec ps622\">619<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps907 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8089 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">468<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8090 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">72<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8091 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8092 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">82<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8093 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">587<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps120 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8094 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">103<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8095 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8096 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-88<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8097 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8098 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5584 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5585 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5586 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5587 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4136 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2729 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2730 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2731 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2732 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2733 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2734 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3752 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8099 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps650\">54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8100 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps622\">211<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8101 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8102 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8103 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps622\">251<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2374 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8104 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">50<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8105 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">211<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps5677 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2375 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2376 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">248<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2166 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2169 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2170 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2171 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2172 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2173 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6929 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8106 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8107 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8108 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8109 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8110 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8111 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8112 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8113 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8114 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8115 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8116 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2307 ss359\"><div><div class=\"ps40 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8117 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">65.616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8118 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">18.526<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8119 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.895<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2309 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-7.620<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2310 ss31\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-0b080fec ps684\">68.626<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8120 ss575\"><div><div class=\"ps4208 ss17\"><span class=\"f charStyle-5ee25b5a ps36\">Nur IFRS-9-relevante Buchwerte werden gezeigt.<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:252.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"11\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Entwicklung von Wertminderungen nach Stufe<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:39.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss572\"><div><div class=\"ps8056 ss17\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3584 ss17\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss573\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps1336\">Er\u00f6ffnungsbil<span class=\"f ps37\"> </span></span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8057\">anz</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8058\">Erh\u00f6hungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8060\">Originierung </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8061\">und Erwerb</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss573\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps4377\">R\u00fcckg\u00e4nge <span class=\"f ps37\"> </span></span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8059\">aufgrund von </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8062\">R\u00fcckzahlung</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss573\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-37455c2a ps8063\">\u00c4nderungen <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-37455c2a ps8064\">an </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-37455c2a ps8065\">existierenden </span></div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps8066\">Buchwerten</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss573\"><div><div class=\"ps2029 ss20\"><span class=\"f charStyle-37455c2a ps3137\">Schlussbilanz<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps854 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Wertberichtigungen Stufe 1 (ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4418 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">55<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4419 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">62<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4420 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4421 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4422 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">100<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3800 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8121 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8122 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps6182 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8123 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8124 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">88<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3586 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8125 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8126 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps6186 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8127 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8128 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2065 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2068 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2069 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2070 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2071 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2072 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2073 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2076 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2077 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2078 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2079 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2080 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps3590 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Wertberichtigungen Stufe 2 (ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8073 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">63<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8074 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8075 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8076 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8077 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">102<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3592 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8129 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">61<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8130 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">35<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8131 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8132 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8133 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">98<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3594 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8134 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8135 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8136 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8137 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8138 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1355 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8139 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8140 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8141 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8142 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8143 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps746 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8144 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps747 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps748 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps749 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps750 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3598 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Wertberichtigungen Stufe 3 (ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8083 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">242<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8084 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8085 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8086 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">53<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8087 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">308<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps3600 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8145 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">219<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8146 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">43<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8147 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8148 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">52<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8149 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">295<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7457 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8150 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8151 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8152 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8153 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8154 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5437 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8155 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8156 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8157 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8158 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8159 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps5502 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8160 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8161 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8162 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8163 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8164 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps120 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8094 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8095 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8096 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8097 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8098 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8165 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8166 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8167 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1115 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1116 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1118 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8168 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8169 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8170 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8171 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8172 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8173 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8174 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8175 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8176 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8177 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8178 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8179 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8180 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8181 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8182 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8183 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8184 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8185 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3755 ss22\"><div><div class=\"ps291 ss17\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8186 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">368<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8187 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">133<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8188 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8189 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">45<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8190 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">500<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8191 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die folgende Tabelle gibt einen \u00dcberblick \u00fcber den Transfer</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8192 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:239.69pt\">von Wertminderung zwischen Stufen im Laufe des Jahres:</span></div><div class=\"ps8199 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Transfer von Wertminderungen zwischen Stufen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">34<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">46<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8200 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Transfer von Wertminderungen zwischen Stufen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss262\"><div><div class=\"ps4211 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 1 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 2 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 3</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 1</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps624 ss20\"><span class=\"f charStyle-37455c2a ps8193\">Von Stufe 3 <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8194\">auf Stufe 2</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">21<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps448 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">37<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Ratingverteilung von Buchwerten nach Stufen</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die folgenden Zahlen beziehen sich auf IFRS-Buchwerte</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:197.56pt\">(abz\u00fcglich der Vorsorgen f\u00fcr die Stufen 1 bis 3).</span></div><div class=\"ps3127 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:153pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:37.5pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"19\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:21.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss576\"><div><div class=\"ps6608 ss3\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps4269 ss3\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8203 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8204 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4477 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8205 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8206 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4479 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps8201\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps8202\">klasse 8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8207 ss578\"><div><div class=\"ps40 ss577\"><span class=\"f charStyle-37455c2a ps3026\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss577\"><span class=\"f charStyle-37455c2a ps4875\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2548 ss579\"><div><div class=\"ps624 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 1</span></div><div class=\"ps1792 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8208 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps6383\">19.424<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7694 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8209\">7.757<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8210 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8209\">9.770<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8211 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps6383\">20.355<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8212 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8209\">7.867<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps7697 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8213\">459<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8215 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8214\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8217 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8218 ss580\"><div><div class=\"ps1792 ss577\"><span class=\"f charStyle-0b080fec ps6383\">65.690<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2941 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8220 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.002<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8221 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">3.907<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8222 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">8.504<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8223 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">15.689<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8224 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">6.536<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8225 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">458<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8226 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8227 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8228 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">36.154<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2944 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8229 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">4.077<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8230 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">3.030<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8231 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.003<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8232 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">4.124<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8233 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.304<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8235 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8236 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8237 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8238 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">13.541<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2891 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8239 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">14.345<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8240 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">819<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8241 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">255<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8242 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">537<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8243 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8244 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8245 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8246 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8247 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps3817\">15.982<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6839 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8248 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8249 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8250 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8251 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8252 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6844 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8253 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8254 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8255 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7431 ss583\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 2</span></div><div class=\"ps2567 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8256 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8257 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8214\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8258 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8214\">57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8259 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">290<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8260 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">754<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8261 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">544<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8262 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">400<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8263 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8264 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8209\">2.066<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps884 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8265 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4229 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8266 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">57<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8267 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">204<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8268 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">407<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4232 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">471<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8269 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">397<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8270 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8271 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8219\">1.558<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1094 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8272 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4235 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8273 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8274 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">85<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8275 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">347<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1095 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">73<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8276 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8277 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8278 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">508<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1098 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8279 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4238 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8280 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8281 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8282 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1099 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8283 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8284 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8285 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1102 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8286 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8287 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8288 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8289 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8290 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1103 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8291 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8292 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8293 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3251 ss583\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps2566 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 3</span></div><div class=\"ps2567 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8294 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8295 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8296 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8297 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8298 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5718 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8299 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8300 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">619<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8301 ss584\"><div><div class=\"ps2567 ss577\"><span class=\"f charStyle-0b080fec ps8213\">619<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps907 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8302 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8303 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8304 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8305 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8306 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8091 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8307 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8308 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">587<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8309 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">587<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5298 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8310 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8311 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8312 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8313 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8314 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8315 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8316 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8317 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">33<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8318 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">33<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5301 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8319 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8320 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8321 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8322 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8323 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8324 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8325 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8326 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8327 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5304 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8328 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8329 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8330 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8331 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8332 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8333 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8334 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8335 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8336 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5307 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8337 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8338 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8339 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8340 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8234\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8341 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8342 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">86<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8343 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8344 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8214\">56<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8345 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-0b080fec ps8213\">251<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps4699 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8346 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8347 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8348 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8349 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8350 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">76<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8351 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">85<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8352 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8353 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8214\">54<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8354 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8213\">248<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5312 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8355 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8356 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8357 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8358 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8359 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8360 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8361 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8362 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8363 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8234\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5317 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8364 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8365 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8366 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8367 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8368 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8369 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8370 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8371 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8372 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4813 ss581\"><div><div class=\"ps291 ss3\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8373 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8374 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8375 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8376 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8377 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8378 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8379 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8380 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8381 ss582\"><div><div class=\"ps291 ss577\"><span class=\"f charStyle-cc1eb9a4 ps8216\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:15.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7056 ss585\"><div><div class=\"ps6145 ss3\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8382 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps6383\">19.424<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8383 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">7.778<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8384 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">9.827<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8385 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps6383\">20.645<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8386 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">8.697<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8387 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8209\">1.089<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8388 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8213\">490<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8389 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps8213\">676<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8390 ss586\"><div><div class=\"ps6145 ss577\"><span class=\"f charStyle-0b080fec ps6383\">68.626<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8391 ss587\"><div><div class=\"ps4208 ss3\"><span class=\"f charStyle-5ee25b5a ps36\">Nur IFRS-9-ECL-relevante Buchwerte werden gezeigt.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div></div><div class=\"ps797 ss0\"><div class=\"ss518 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:155.25pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:36.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"19\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss589\"><div><div class=\"ps4211 ss588\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss588\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8395 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8396 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8397 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps4477 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8398 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2544 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8399 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8400 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8393\">Rating-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8394\">klasse 8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8403 ss591\"><div><div class=\"ps624 ss590\"><span class=\"f charStyle-37455c2a ps8401\">Gesamt-<span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss590\"><span class=\"f charStyle-37455c2a ps8402\">portfolio<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss592\"><div><div class=\"ps40 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 1</span></div><div class=\"ps2027 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8405 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8404\">20.705<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8407 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">6.699<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8408 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">7.877<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4489 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8404\">21.655<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8409 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">5.669<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8410 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">365<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8411 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3438\">93<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8412 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8413 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8404\">63.063<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2941 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8414 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">970<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8415 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">3.705<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8416 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">6.283<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8223 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">16.265<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8417 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">4.258<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8418 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">364<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8419 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">93<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8420 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8421 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">31.937<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2944 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8422 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">3.207<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8423 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">2.155<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8424 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">1.170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8232 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">4.837<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8425 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">1.316<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8427 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8428 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8429 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8430 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">12.686<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2891 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8431 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">16.529<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8432 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">829<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8433 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">417<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8242 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">552<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8434 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">94<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8435 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8436 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8437 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8438 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3777\">18.421<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6839 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8439 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8440 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8441 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8251 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8442 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8443 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8444 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8445 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8446 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">17<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7431 ss592\"><div><div class=\"ps40 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 2</span></div><div class=\"ps2027 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8447 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8448 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8449 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8259 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">452<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8450 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">590<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8451 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">466<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8452 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">387<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8453 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8454 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps8406\">1.928<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps2770 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8455 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8456 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8457 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8458 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">286<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8459 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">347<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8460 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">408<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8461 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">385<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8462 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8463 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps280\">1.458<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps888 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8464 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8465 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8466 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8467 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">167<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8468 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">243<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8469 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">58<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8470 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8471 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8472 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">469<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2775 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8473 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8474 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8475 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8476 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8477 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8478 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8479 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8480 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8481 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2778 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8482 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8483 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8484 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8485 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8486 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8487 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8488 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8489 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8490 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps1106 ss592\"><div><div class=\"ps40 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Buchwerte f\u00fcr Wertberichtigungen der <span class=\"f ps37\"> </span></span></div><div class=\"ps1717 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Stufe 3</span></div><div class=\"ps2027 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">(ohne POCI)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8491 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8492 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8493 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8494 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8495 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8496 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8497 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8498 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">571<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8499 ss593\"><div><div class=\"ps2027 ss590\"><span class=\"f charStyle-0b080fec ps7398\">571<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps678 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8500 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8501 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8502 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8503 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8504 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8505 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8506 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8507 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">468<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8508 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">468<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps683 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8509 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8510 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8511 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8512 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8513 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8514 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8515 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8516 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">103<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8517 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps7398\">103<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps912 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8518 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8519 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8520 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8521 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8522 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8523 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8524 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8525 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8526 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4137 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8527 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8528 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8529 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8530 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8531 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8532 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8533 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8534 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8535 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4144 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Summe POCI<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8536 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8537 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3438\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8538 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8539 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8540 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8426\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8541 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8426\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8542 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8426\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8543 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3438\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8544 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps3438\">54<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4151 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Retail &amp; SME<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8545 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8546 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8547 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8548 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8549 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8550 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8551 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8552 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8553 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3438\">50<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5603 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporates, Real Estate &amp; Public Sector<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8554 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8555 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8556 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8557 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8558 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8559 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8560 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8561 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8562 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps8426\">3<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps5610 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Treasury<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8563 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8564 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8565 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8566 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8567 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8568 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8569 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8570 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8571 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8572 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-37455c2a ps36\">Corporate Center<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8573 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8574 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8575 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8576 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8577 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8578 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8579 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8580 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8581 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-cc1eb9a4 ps3383\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8582 ss594\"><div><div class=\"ps291 ss588\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8583 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8404\">20.705<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8584 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8406\">6.733<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8585 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8406\">7.893<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8586 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8404\">22.107<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8587 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8406\">6.259<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8588 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps7398\">838<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8589 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps7398\">486<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8590 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps7398\">594<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8591 ss595\"><div><div class=\"ps291 ss590\"><span class=\"f charStyle-0b080fec ps8404\">65.616<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:11.25pt\"><td style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8592 ss596\"><div><div class=\"ps4208 ss588\"><span class=\"f charStyle-5ee25b5a ps36\">Nur IFRS-9-ECL-relevante Buchwerte werden gezeigt.</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr></tbody></table></div></div></div><span class=\"f charStyle-02ed52cc ps1633\">Neuartige Risiken und Post-Modell-Anpassungen</span><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">BAWAGs ECL-Berechnungen basieren auf historischen Daten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und beobachteten Zusammenh\u00e4ngen, um die k\u00fcnftige</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Entwicklung der erwarteten Kreditverluste vorherzusehen.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Allerdings kann die vollst\u00e4ndige Erfassung von bestimmten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risiken in historischen Datens\u00e4tzen eingeschr\u00e4nkt sein, sodass</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">diese m\u00f6glicherweise au\u00dferhalb des Umfangs der Modelle</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">liegen. Dies betrifft vor allem neuartige Risiken wie</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">geopolitische Unsicherheiten, klimarelevante</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Herausforderungen, Lieferkettenunterbrechungen, Pandemien</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">sowie abrupte Inflations- und Zinssatz-Schwankungen. Daher</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">wendet der Konzern ein Framework an, das proaktiv solche</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:62.5pt\">Risiken erfasst.</span><span class=\"f charStyle-34546584 ps8594\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die BAWAG ist bestrebt, ihre ECL-Modelle laufend</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">weiterzuentwickeln, um sicherzustellen, dass sie die sich stetig</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">\u00e4ndernden Wirtschafts- und Marktbedingungen weiterhin</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">angemessen und pr\u00e4zise widerspiegeln. Diese Anpassungen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">umfassen eine regelm\u00e4\u00dfige \u00dcberarbeitung und Rekalibrierung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:219.14pt\">der PD-, LGD- und CCF-Modelle f\u00fcr alle Assetklassen.</span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Dar\u00fcber hinaus hat die BAWAG ein systematisches Verfahren</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zur Identifizierung der besagten neuartiger Risiken und zur</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Bewertung ihrer m\u00f6glichen Auswirkungen auf verschiedene</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Portfolios etabliert. Dieser Prozess wird kontinuierlich</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">angewendet, um festzustellen, ob Ma\u00dfnahmen wie Post-</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Modell-Anpassungen oder kollektive Stufen\u00e4nderung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">notwendig sind. In diesem Zusammenhang wurden keine</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sch\u00e4tzunsicherheiten, die zus\u00e4tzliche Ma\u00dfnahmen erfordern,</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:50.68pt\">identifiziert.</span></div><span class=\"f charStyle-02ed52cc ps8596\">Sensitivit\u00e4tsanalyse</span><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die folgende Tabelle veranschaulicht den gewichteten</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">erwarteten Kreditverlust sowie die Ergebnisse der</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Sensitivit\u00e4tsanalyse, bei der die ECLs unter jedem Szenario mit</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">einer Gewichtung von 100% gemessen werden. Die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Sensitivit\u00e4tsanalyse basiert auf dem kalkulierten ECL von</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:47pt\">202\u00a0Mio. \u20ac.</span><span class=\"f charStyle-34546584 ps8597\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Die Ergebnisse der Sensitivit\u00e4tsanalyse variieren von einem</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">ECL-R\u00fcckgang von -47 Mio. \u20ac, wenn das optimistische Szenario</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">mit 100% gewichtet wird, bis zu einer ECL-Erh\u00f6hung von</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">83\u00a0Mio. \u20ac, wenn das pessimistische Szenario mit 100%</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:67.28pt\">gewichtet wird..</span></div><div class=\"ps8605 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss288\"><div><div class=\"ps281 ss287\"><span class=\"f charStyle-c5fdbd46 ps8598\">ECL-Szenario-\u00c4nderungen</span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss597\"><div><div class=\"ps2640 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps296 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2057\">ECL Total<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2058\">Optimistisch</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8600\">Baseline</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8601\">Pessimistisch</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2885 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Stufe 1 &amp; Stufe 2 Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8602 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">202<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8603 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8604 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5541 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">83<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8606 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:309.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"9\" style=\"border-top:0.5pt solid #000000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"padding:0\"><div class=\"ps278 ss27\"><div><div class=\"ps277 ss26\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps36\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"5\" style=\"border-bottom:0.5pt solid #000000;padding:0\"><div class=\"ps286 ss288\"><div><div class=\"ps281 ss287\"><span class=\"f charStyle-c5fdbd46 ps8598\">ECL-Szenario-\u00c4nderungen</span></div></div></div></td></tr><tr style=\"height:29.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps292 ss597\"><div><div class=\"ps2640 ss26\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac <span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps296 ss138\"><div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2057\">ECL Total<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps297 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps2058\">Optimistisch</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps298 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8600\">Baseline</span></div></div></div></td><td style=\"border-top:0.5pt solid #000000;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps299 ss138\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps8599\">100% <span class=\"f ps37\"> </span></span></div><div class=\"ps1792 ss20\"><span class=\"f charStyle-37455c2a ps8601\">Pessimistisch</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2885 ss28\"><div><div class=\"ps291 ss26\"><span class=\"f charStyle-37455c2a ps36\">Stufe 1 &amp; Stufe 2 Wertberichtigungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8602 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">118<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8603 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-15<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8604 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps5541 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">27<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfCreditRiskExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-786": {
   "value": "<div class=\"ps7542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Gesch\u00e4ftsstrategie der BAWAG fokussiert sich auf die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Finanzierung von besicherten Krediten, wann immer dies</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7544 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">m\u00f6glich ist. Sicherheiten dienen als wesentliche Unterst\u00fctzung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">f\u00fcr die Kreditvergabe und wirken verlustmindernd bei Ausfall</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">des Schuldners, wobei beim Entscheidungsprozess neben der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps7547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Qualit\u00e4t und Verwertbarkeit der Sicherheiten die Leistbarkeit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:227.34pt\">f\u00fcr den Kreditnehmer jedenfalls im Vordergrund steht.</span></div><div class=\"ps7549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Alle angenommenen Sicherheiten sind im Konzern-</span></div><div class=\"ps7550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Sicherheitenkatalog festgehalten, wo auch die Grundlagen f\u00fcr</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps7551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">die Bewertung und Neubewertung von Sicherheiten definiert</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sind. Hier wird neben allen grunds\u00e4tzlich akzeptierten</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kombinationen von G\u00fctern (Eigenschaften des</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Wirtschaftsguts) und Sicherheiten (Rechtstitel der Bank) auch</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">definiert, welcher Wert (Marktwert, Nominalwert etc.)</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">heranzuziehen ist. Das Enterprise-Risk-Management-Komitee</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">entscheidet, welche Sicherheiten \u2013 unter Ber\u00fccksichtigung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7560 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">der\u00a0entsprechenden Haircuts \u2013 kreditrisikomindernd</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps7561 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:125.6pt\">herangezogen werden d\u00fcrfen.</span></div><div class=\"ps7562 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:173.59pt\">Folgende Sicherheiten werden akzeptiert:</span></div><div class=\"ps7563 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:226.62pt\">Wohnimmobilien und gewerblich genutzte Immobilien</span></div><div class=\"ps7564 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Sonstige Kreditsicherheiten: Fahrzeuge und sonstige</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7565 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.85pt\">physische Sicherheiten (derzeit keine Verwendung zur</span><span class=\"f charStyle-34546584 ps371\" style=\"width:2.36pt\"> </span></div><div class=\"ps7566 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Kreditrisikominimierung), Verpf\u00e4ndung oder Abtretung von</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7567 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:93.05pt\">Lebensversicherungen</span></div><div class=\"ps7568 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Finanzgarantien: finanzielle Sicherheiten, Wertpapiere und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7569 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:140.41pt\">Bareinlagen beim eigenen Institut</span></div><div class=\"ps7570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps185\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps369\" style=\"width:247.87pt\">Kreditverbesserungen: Garantien und Mitverpflichtungen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps7571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.89pt\">(NHG-Garantien f\u00fcr Immobilienhypotheken in den</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps7572 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:247.86pt\">Niederlanden bieten eine zus\u00e4tzliche Garantie f\u00fcr</span><span class=\"f charStyle-34546584 ps1488\" style=\"width:2.36pt\"> </span></div><div class=\"ps7573 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps369\" style=\"width:136.79pt\">Risikominderungsberechnungen)</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Um als Kreditrisikominderung zu dienen, m\u00fcssen Sicherheiten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">alle gesetzlichen und regulatorischen Anforderungen erf\u00fcllen,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">welche wiederum in gruppenweiten, internen Policies</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">definiert sind. Um l\u00e4nderspezifischen Besonderheiten bei</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kreditsicherheiten Rechnung zu tragen, gibt es zus\u00e4tzlich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">regionale Handb\u00fccher f\u00fcr die einzelnen T\u00f6chter bzw.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Niederlassungen. Zumindest j\u00e4hrlich erfolgt eine \u00dcberpr\u00fcfung</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">dieser Policies. Allf\u00e4llige Ausnahmen zu den internen</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Regelungen m\u00fcssen begr\u00fcndet, gesondert beantragt und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:112.86pt\">explizit genehmigt werden.</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Die Wertermittlung f\u00fcr inl\u00e4ndische Wohnimmobilien erfolgt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">zentral durch Experten f\u00fcr die Bewertung von Immobilien</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">unter Anwendung standardisierter Methoden sowie unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zuhilfenahme eines Bewertungstools. Die Sch\u00e4tzung von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Immobilien in anderen L\u00e4ndern erfolgt ebenfalls durch</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">unabh\u00e4ngige Fachleute nach internationalen Standards. Die</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">turnusm\u00e4\u00dfige \u00dcberpr\u00fcfung bzw. Aktualisierung der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Wohnimmobilienwerte erfolgt automationsgest\u00fctzt auf Basis</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">des Immobilienpreisindex des Fachverbands der Immobilien-</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">und Verm\u00f6genstreuh\u00e4nder der Wirtschaftskammer \u00d6sterreich</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">f\u00fcr \u00f6sterreichische Objekte, mittels</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Marktschwankungsmethode bei in Deutschland gelegenen</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Immobilien, sowie mit Hilfe der entsprechenden lokalen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Immobilienpreisindices in den L\u00e4ndern, in denen sich</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:226.19pt\">Immobiliensicherheiten der BAWAG-Gruppe befinden.</span><span class=\"f charStyle-34546584 ps7574\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Gewerbeimmobilien werden von Sachverst\u00e4ndigen f\u00fcr die</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bewertung von Gewerbeimmobilien oder von ausgew\u00e4hlten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">externen Gutachtern im Auftrag des Konzerns bzw. eines</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Konsortialpartners individuell nach erfolgter Vor-Ort-</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:211.89pt\">Besichtigung und voller Befundaufnahme bewertet</span><span class=\"f charStyle-34546584 ps7575\" style=\"width:2.62pt\">.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DescriptionOfAccountingPolicyForCollateralExplanatory",
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    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
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   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Marktrisiko</span><div class=\"ps8608 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Das Marktrisiko ist definiert als Risiko eines Verlustes infolge</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps8609 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">offener Risikopositionen am Markt und einer ung\u00fcnstigen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps8610 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Entwicklung der Marktrisikofaktoren (Zinss\u00e4tze, Wechselkurse,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps8611 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Aktienkurse, Volatilit\u00e4ten, Credit Spreads). Ein Marktrisiko</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps8612 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">kann im Zusammenhang mit Trading- und mit Nicht-Trading-</span></div><div class=\"ps8613 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:89.86pt\">Aktivit\u00e4ten auftreten.</span></div><div class=\"ps8614 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die BAWAG hat einen klar definierten Marktrisikoappetit. Alle</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps8615 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">damit verbundenen Risiken (sowohl aus \u00f6konomischer Sicht</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8616 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">als auch in Bezug auf die Risiken in IFRS-Fair-Value-</span></div><div class=\"ps8617 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Bilanzierungskategorien \u2013 Gewinn- und Verlustrechnung sowie</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps8618 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Sonstiges Ergebnis) werden auf Konzernebene strategisch</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps8619 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">gesteuert. Alle Tochtergesellschaften der Gruppe halten</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps8620 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">grunds\u00e4tzlich keine offenen Marktrisikopositionen, da das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8621 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Kundengesch\u00e4ft (z.B. Kredite und Einlagen), die Anlageb\u00fccher</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8622 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">sowie die eigenen Emissionen gem\u00e4\u00df der ALM-Hedging Policy</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps8623 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">vollst\u00e4ndig abgesichert werden. Alle offenen Risikopositionen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8624 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">unterliegen der Genehmigung des strategischen Asset Liability</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8625 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:237.61pt\">Committee und werden separat gemessen und berichtet.</span></div><div class=\"ps8626 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die Hauptkomponenten des Marktrisikos der BAWAG sind</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8627 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Zinsrisiko und Credit-Spread-Risiko. Beide Risikoarten werden</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps8628 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">auf Basis eines Sensitivit\u00e4ts- und eines Value-at-Risk-Ansatzes</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps8629 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(VaR) sowie von Szenarienrechnungen gemessen und</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8630 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">\u00fcberwacht. Die bilanzielle Behandlung der Positionen wird</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps8631 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:188.98pt\">zus\u00e4tzlich in den Risikoreports ber\u00fccksichtigt.</span></div><div class=\"ps8632 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Das prim\u00e4re Gremium f\u00fcr die Behandlung von Marktrisiken ist</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps8633 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">das strategische Asset Liability Committee (S-ALCO), welches</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8634 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">quartalsweise tagt. Zus\u00e4tzlich werden marktrisikobezogene</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps8635 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Themen in w\u00f6chentlichen Vorstandssitzungen (MB) behandelt,</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">in denen auch der gesamte Vorstand vertreten ist. Der Umfang</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">umfasst alle strategischen zins-, fremdw\u00e4hrungs- und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">liquidit\u00e4tsrisikobehafteten Gesch\u00e4ftsm\u00f6glichkeiten mit</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Diskussionen \u00fcber deren Auswirkungen auf Risiko-, Ertrags-</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">und Bilanzziele. Die gew\u00fcnschte Bilanz- und Risikostruktur</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">wird unter Ber\u00fccksichtigung von Zins-, Fremdw\u00e4hrungs- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:192.82pt\">Liquidit\u00e4tslimiten f\u00fcr das Bankbuch festgelegt.</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Marktrisiko im Handelsbuch</span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Die BAWAG f\u00fchrt kein Handelsbuch. Derzeit sind keine</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:215pt\">Handelsaktivit\u00e4ten f\u00fcr die gesamte Gruppe geplant.</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Marktrisiko im Bankbuch</span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die wesentlichen Komponenten des Marktrisikos der BAWAG</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:211.4pt\">resultieren aus Zinsrisiko und Credit-Spread-Risiko.</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Zinsrisiko im Bankbuch</span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Das Zinsrisiko im Bankbuch ist der potenzielle Verlust, der sich</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aus Nettover\u00e4nderungen der Verm\u00f6genswerte und der</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">k\u00fcnftigen Entwicklung des Nettozinsertrags infolge von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:160.52pt\">ung\u00fcnstigen Zinsentwicklungen ergibt.</span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Das Strategische Asset Liability Committee (S-ALCO) hat dem</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Bereich Treasury &amp; Markets Zinsrisiko-Limite zugeteilt, um das</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zins\u00e4nderungsrisiko im Sinne eines optimalen Risk/Return-</span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Verh\u00e4ltnisses auf Konzernebene zu steuern. Der Enterprise</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Risk Management &amp; Analytics Bereich berichtet dem Vorstand</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">teilweise t\u00e4glich sowie monatlich auf Konzernebene mit</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">unterschiedlichen steuerungsrelevanten granularen Details</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:176.55pt\">\u00fcber Limitauslastung und Risikoverteilung.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die durch das S-ALCO vorgegebene Zielzinsrisikostruktur wird</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">durch den Bereich Treasury &amp; Markets implementiert. Die</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:197.25pt\">BAWAG verwendet Zinssteuerungsderivate zur:</span></div><div class=\"ps1570 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Umsetzung der Zinsrisikostrategie im Rahmen der durch</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1571 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:184.34pt\">das S-ALCO definierten Vorgaben und Limite</span></div><div class=\"ps1515 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.89pt\">Steuerung der Sensitivit\u00e4t des Bewertungsergebnisses und</span><span class=\"f charStyle-34546584 ps961\" style=\"width:2.36pt\"> </span></div><div class=\"ps1516 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:117.63pt\">der Neubewertungsr\u00fccklage</span></div><div class=\"ps1518 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.86pt\">Absicherung der \u00f6konomischen Risikoposition unter</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1519 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:181.06pt\">Ber\u00fccksichtigung der bilanziellen Abbildung</span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">Die BAWAG wendet Hedge Accounting gem\u00e4\u00df IAS 39 an.</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Derzeit werden folgende Fair-Value-Hedge-Accounting-</span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:242.22pt\">Methoden zur Absicherung von Marktrisiken angewendet:</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Micro-Fair-Value-Hedge</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Absicherung von finanziellen Verm\u00f6genswerten oder</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">finanziellen Verbindlichkeiten gegen \u00c4nderungen ihres</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">beizulegenden Zeitwerts. Die Entscheidung, welches</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Instrument in das Mikro-Hedge-Accounting aufgenommen</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:256.07pt\">wird, wird im Kontext der Gesamtzinsrisikoposition getroffen.</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Portfolio-Fair-Value-Hedge (\u201eEU-Carve-out\u201c</span><span class=\"f charStyle-8bc56e46 ps8636\">)</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die BAWAG hat Sichteinlagen in Euro als ein Portfolio</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">identifiziert, das gegen Zinsrisiken abgesichert werden soll.</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Diese Einlagen sind entsprechend den erwarteten</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">R\u00fcckzahlungs- und Zinsanpassungsterminen in Laufzeitb\u00e4nder</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">unterteilt. Die BAWAG bestimmt aus dem identifizierten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Portfolio einen Betrag an Verbindlichkeiten, der dem Betrag</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">entspricht, der als Basis f\u00fcr den Portfolio-Fair-Value-Hedge</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:205.64pt\">abgesichert werden soll, wobei ein Bottom</span><span class=\"f charStyle-5a2826df ps8637\" style=\"width:56.4pt\"><span style=\"background-color:inherit\">-Layer-Ansatz</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:192.82pt\"><span style=\"background-color:inherit\">verwendet wird. Per 31.12.2025 waren 46% </span></span><span class=\"f charStyle-34546584 ps8638\" style=\"width:69.24pt\">(2024: 39%) des</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gesamtvolumens der Sichteinlagen dem Portfolio-Fair-Value-</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:73.04pt\">Hedge gewidmet.</span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Dar\u00fcber hinaus werden vertraglich vereinbarte Zinsober- und/</span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">oder Untergrenzen, die in finanzielle Verm\u00f6genswerte (z.B.</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Darlehensforderungen oder Wertpapiere) und/oder</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Verbindlichkeiten (z.B. Spareinlagen) eingebettet sind, in eine</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Portfolio-Fair-Value-Hedge-Beziehung gewidmet, um diese</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Instrumente gegen \u00c4nderungen des beizulegenden Zeitwerts</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">aufgrund von Zins\u00e4nderungen abzusichern. Die Entscheidung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">\u00fcber den Betrag, der in die Bilanzierung der Fair-Value-Hedge-</span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Beziehung einbezogen werden soll, wird unter Anwendung</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">eines Bottom-Layer-Ansatzes und im Kontext der Steuerung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">der Zinsrisikoposition unter Einhaltung der definierten Limite</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:41.6pt\">getroffen.</span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Das Zinsrisiko wird anhand von Sensitivit\u00e4ten basierend auf</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">dem PVBP-Konzept gemessen. Der PVBP, der aus der Duration</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">zinstragender Finanzinstrumente abgeleitet ist, gibt die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Ver\u00e4nderung des Nettobarwerts infolge einer parallelen</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Verschiebung der Zinskurven um einen Basispunkt nach oben</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">(0,01%) an. Die folgenden Tabellen stellen die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Zinsrisikosensitivit\u00e4ten des Konzerns zum 31. Dezember 2024</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:173.6pt\">und 2025 anhand des PVBP-Konzepts dar:</span></div></div><div><div class=\"ps797 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:138.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"15\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Zinssensitivit\u00e4t \u2013 gesamt\u00f6konomische Risikoposition<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss598\"><div><div class=\"ps4211 ss83\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss83\"><span class=\"f charStyle-dcb49308 ps36\">in Tsd. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2038 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8639\">&lt;1J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8640\">1J\u20133J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8640\">3J\u20135J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8640\">5J\u20137J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8641\">7J\u201310J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8642\">&gt;10J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps4243\">Summe</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8643 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-389<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">205<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">103<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-144<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">78<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-323<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-470<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8644 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-18<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-51<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8645 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8646 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">Sonstige W\u00e4hrungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8647 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8648 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-393<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">188<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">93<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps456 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-134<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">74<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-357<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-529<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8649 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:138.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"15\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Zinssensitivit\u00e4t \u2013 gesamt\u00f6konomische Risikoposition<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss598\"><div><div class=\"ps4211 ss83\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss83\"><span class=\"f charStyle-dcb49308 ps36\">in Tsd. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2038 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8639\">&lt;1J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8640\">1J\u20133J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8640\">3J\u20135J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8640\">5J\u20137J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8641\">7J\u201310J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8642\">&gt;10J</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps4243\">Summe</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8643 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-459<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">23<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">225<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-177<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">305<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-272<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-355<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8644 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">16<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">32<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">15<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8645 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-40<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8646 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-9<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-13<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-37455c2a ps36\">Sonstige W\u00e4hrungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8647 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">8<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-14<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss86\"><div><div class=\"ps291 ss83\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8648 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-477<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">220<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps456 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-170<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">326<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-296<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-407<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8650 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die durch Zins\u00e4nderungen bedingten Auswirkungen von</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps8651 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Marktwert\u00e4nderungen auf die Gewinn- und Verlustrechnung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps6493 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">sowie auf das Eigenkapital werden separat berechnet, limitiert</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6494 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">und beobachtet. Die Sensitivit\u00e4t der erfolgswirksam zum</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6503 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">beizulegenden Zeitwert bewerteten finanziellen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6495 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Verm\u00f6genswerte betr\u00e4gt zum 31. Dezember 2025 +243 Tsd. \u20ac</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps6496 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">(vgl. Jahresdurchschnitt 2025: +291 Tsd. \u20ac bzw. per</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6504 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">31.\u00a0Dezember 2024: -55 Tsd. \u20ac). F\u00fcr im sonstigen Ergebnis</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps6497 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">ausgewiesene zum beizulegenden Zeitwert bewertete</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps6498 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">finanzielle Verm\u00f6genswerte betr\u00e4gt die Sensitivit\u00e4t +108 Tsd.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps6499 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:84.4pt\">\u20ac (2024: +35 Tsd. \u20ac).</span></div><div class=\"ps8650 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Im Rahmen des Internal Capital Adequacy Assessment Process</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps8651 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">(ICAAP) wird monatlich eine VaR-Berechnung auf</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6493 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:119.64pt\">Konzernebene durchgef\u00fchrt.</span></div><div class=\"ps6503 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Zinssensitivit\u00e4t \u2013 Szenarioanalysen</span></div><div class=\"ps6496 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps1602\">Bewertungsperspektive</span></div><div class=\"ps6504 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Die Darstellung unten illustriert die Zinssensitivit\u00e4t der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps6497 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">gesamt\u00f6konomischen Risikoposition unter Anwendung</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps6498 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:219.1pt\">paralleler Zins\u00e4nderungen von +/- 200 Basispunkten.</span></div><div class=\"ps8662 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:81.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"17\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Zinsrisikosensitivit\u00e4t (+/- 200 basis points shift)</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss600\"><div><div class=\"ps4211 ss599\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss599\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8652 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps4036\">-200bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2038 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps4036\">-100bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8653\">-50bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8653\">-25bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8654\">+25bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8654\">+50bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8655\">+100bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8655\">+200bp</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">97<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8643 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">24<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-24<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-48<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-97<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8644 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">5<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">12<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8645 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8646 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">Sonstige W\u00e4hrungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8647 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps622\">122<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8648 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">56<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">26<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps456 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-13<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-25<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-51<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps623\">-102<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8663 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:81.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"17\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-b07a4b4f ps36\">Zinsrisikosensitivit\u00e4t (+/- 200 basis points shift)</span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss600\"><div><div class=\"ps4211 ss599\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss599\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8652 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps4036\">-200bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2038 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps4036\">-100bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8653\">-50bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8653\">-25bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8654\">+25bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8654\">+50bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8655\">+100bp</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-c5fdbd46 ps8655\">+200bp</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">EUR<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8656 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">53<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8643 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">36<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps4011 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">19<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps295 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps296 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps297 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-20<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-40<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-85<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8657 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-4<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8644 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4369 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps301 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps302 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps303 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">4<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps306 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8658 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8645 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">7<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps4370 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps307 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps308 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps309 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-5<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps312 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8659 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">3<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8646 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8195 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8196 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps444 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps445 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-2<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps448 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-37455c2a ps36\">Sonstige W\u00e4hrungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8660 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps662\">1<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8647 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8197 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8198 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps449 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps450 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-1<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss601\"><div><div class=\"ps291 ss599\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8661 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">75<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8648 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">42<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7711 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7712 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps456 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps457 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-22<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-42<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps708\">-89<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Ertragsperspektive</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Unter der Annahme einer konstanten Bilanz, Gesch\u00e4ftsmargen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">auf Basis aktueller Transaktionen, statischer Margen f\u00fcr</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Einlagen (vor anwendbaren 0%-Kundenzinsuntergrenzen) und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Forward-S\u00e4tzen zur Berechnung des Referenzzinssatzes der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">zugrunde liegenden Cashflows als Basisszenario w\u00fcrde 2025</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">der Nettozinsertrag bei einer sofortigen parallelen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Zinsverschiebung von +/- 200 Basispunkten eine Auswirkung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">von -4 Mio. \u20ac bzw. -127 Mio. \u20ac haben (2024: -11\u00a0Mio.\u00a0\u20ac bzw.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:53.29pt\">-106 Mio. \u20ac).</span></div><div class=\"ps250 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Credit-Spread-Risiko im Bankbuch</span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Unter Credit-Spread-Risiko im Bankbuch wird das Risiko von</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">fallenden Barwerten von Wertpapieren und Derivaten</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aufgrund einer Ver\u00e4nderung der Credit Spreads verstanden.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Die Risikomanagement-Modelle in diesem Risikofaktor werden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">kontinuierlich weiterentwickelt. Das Credit-Spread-Risiko wird</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">anhand von Sensitivit\u00e4ten (PVBP-Konzept) gemessen. Der</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Credit-Spread-PVBP gibt die Ver\u00e4nderung des Nettobarwertes</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">infolge einer parallelen Verschiebung der Credit Spreads um</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">einen Basispunkt (0,01%) nach oben an. Die folgende Tabelle</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">zeigt die Credit-Spread-Sensitivit\u00e4t des credit spread</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">relevanten Portfolios der BAWAG (Nettovolumen: \u20ac 2,8 Mrd.</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">nach Abzug der Verbdindlichkeiten und Credit Sread Hedges)</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sowie die Aufteilung nach den f\u00fcr die Gewinn- und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verlustrechnung und das sonstige Gesamtergebnis relevanten</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:71.97pt\">Bilanzkategorien:</span></div><div class=\"ps8665 ss0\"><div class=\"ss67 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss140\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Credit-Spread-Sensitivit\u00e4t<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps277 ss141\"><span class=\"f charStyle-dcb49308 ps36\">in Tsd. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Gesamtportfolio<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps623\">-945<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-952<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Erfolgswirksam zum beizulegenden <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zeitwert bewertete finanzielle Positionen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2931 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps650\">77<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2932 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">155<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:27.75pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps858 ss602\"><div><div class=\"ps8664 ss141\"><span class=\"f charStyle-37455c2a ps36\">Im sonstigen Ergebnis ausgewiesene zum <span class=\"f ps37\"> </span></span></div><div class=\"ps7590 ss141\"><span class=\"f charStyle-37455c2a ps36\">beizulegenden Zeitwert bewertete </span></div><div class=\"ps7588 ss141\"><span class=\"f charStyle-37455c2a ps36\">finanzielle Positionen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps2846 ss603\"><div><div class=\"ps7588 ss20\"><span class=\"f charStyle-71900c34 ps623\">-346<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2847 ss603\"><div><div class=\"ps7588 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-450<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps454 ss142\"><div><div class=\"ps624 ss141\"><span class=\"f charStyle-37455c2a ps36\">Zu fortgef\u00fchrten Anschaffungskosten <span class=\"f ps37\"> </span></span></div><div class=\"ps281 ss141\"><span class=\"f charStyle-37455c2a ps36\">bewertete finanzielle Positionen</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps3712 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-71900c34 ps623\">-676<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3713 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-657<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3769 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Dar\u00fcber hinaus werden monatlich die Risikokenngr\u00f6\u00dfen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps3771 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Value-at-Risk und Expected Shortfall berechnet sowie</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps8666 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:144.65pt\">Szenariorechnungen durchgef\u00fchrt.</span></div><div class=\"ps8667 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Das Credit-Spread-Risiko wird auf Gesamtkonzernebene auch</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps8668 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">im Rahmen des ICAAP ber\u00fccksichtigt bzw. limitiert und ist</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps8669 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:164.19pt\">Bestandteil der bankweiten Stresstests.</span></div><div class=\"ps8670 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Alle eingesetzten Modelle werden laufend kalibriert und</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8671 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">zumindest j\u00e4hrlich durch \u00dcberpr\u00fcfung der Annahmen und</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps8672 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:127.62pt\">Backtestingverfahren validiert.</span></div></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Fremdw\u00e4hrungsrisiko im Bankbuch</span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die H\u00f6he der offenen Fremdw\u00e4hrungspositionen im Bankbuch</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">des Konzerns wird durch konservative Limite beschr\u00e4nkt,</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">wodurch ein geringes Fremdw\u00e4hrungsrisiko im Bankbuch</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">sichergestellt wird. Die Einhaltung der Limite wird t\u00e4glich</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:47.21pt\">\u00fcberwacht.</span><span class=\"f charStyle-34546584 ps8674\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Folgende Tabelle stellt Sensitivit\u00e4ten aus Fremdw\u00e4hrungen auf</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Basis der offenen Devisenposition dar. Aus Fremdw\u00e4hrungen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">resultiert f\u00fcr das Bewertungsergebnis keine signifikante</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:60.61pt\">Risikoposition.</span></div><div class=\"ps8696 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:102.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss605\"><div><div class=\"ps4211 ss604\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss604\"><span class=\"f charStyle-dcb49308 ps36\">in Tsd. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8676 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-c5fdbd46 ps8675\">USD</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8678 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-c5fdbd46 ps8677\">GBP</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8680 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-c5fdbd46 ps8679\">CHF</span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8681 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-c5fdbd46 ps5840\">Sonstige Fremdw\u00e4hrungen</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss608\"><div><div class=\"ps291 ss604\"><span class=\"f charStyle-37455c2a ps36\">FX-Ver\u00e4nderung (in %)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8683 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss608\"><div><div class=\"ps291 ss604\"><span class=\"f charStyle-37455c2a ps36\">Einfluss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8689 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.360<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.360<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">754<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-754<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">704<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-704<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">145<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-145<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3582 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:102.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss605\"><div><div class=\"ps4211 ss604\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 <span class=\"f ps37\"> </span></span></div><div class=\"ps277 ss604\"><span class=\"f charStyle-dcb49308 ps36\">in Tsd. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8676 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-37455c2a ps8675\">USD<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8678 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-37455c2a ps8677\">GBP<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8680 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-37455c2a ps8679\">CHF<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td colspan=\"2\" style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps8681 ss607\"><div><div class=\"ps281 ss606\"><span class=\"f charStyle-37455c2a ps5840\">Sonstige Fremdw\u00e4hrungen<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss608\"><div><div class=\"ps291 ss604\"><span class=\"f charStyle-37455c2a ps36\">FX-Ver\u00e4nderung (in %)<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8682 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8683 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8684 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8685 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8686 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8687 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps8688 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps650\">10<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss608\"><div><div class=\"ps291 ss604\"><span class=\"f charStyle-37455c2a ps36\">Einfluss<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8689 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8690 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-149<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8691 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-798<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8692 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">798<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8693 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.506<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8694 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.506<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8695 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-864<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps622\">864<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps6503 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Zur Steuerung von Fremdw\u00e4hrungsrisiken wendet die BAWAG</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6495 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:189.59pt\">ebenfalls Hedge Accounting gem\u00e4\u00df IAS 39 an.</span></div><div class=\"ps6504 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-8bc56e46 ps2\">Cash-Flow-Hedge</span></div><div class=\"ps6497 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Das Fremdw\u00e4hrungsrisiko aus den zuk\u00fcnftigen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps6498 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Margeneinnahmen der Fremdw\u00e4hrungsportfolios sowie</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6499 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">weiterer PnL-relevanter Komponenten der BAWAG wird durch</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6500 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">die Implementierung des Cash-Flow-Hedges f\u00fcr FX-PnL</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps6501 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">mitigiert. Die BAWAG wendet einen Bottom-Layer-Ansatz an,</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6502 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">bei dem definierte Betr\u00e4ge von Cashflows f\u00fcr einen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps8697 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">bestimmten Zeitraum als abgesicherte Position ausgewiesen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps8698 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden. Derzeit werden aus Margeneinnahmen resultierende</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8699 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Cashflows denominiert in GBP, USD und CHF \u00fcber FX-</span></div><div class=\"ps8700 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Termingesch\u00e4fte abgesichert. Es gelten die folgenden</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.99pt\">Zielabsicherungsquoten f\u00fcr zuk\u00fcnftige FX-Margen-Einnahmen:</span></div><div class=\"ps8701 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.83pt\">USD: 90% der Ertr\u00e4ge aus USD-PnL der n\u00e4chsten 60</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps8702 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps956\" style=\"width:32.76pt\">Monate</span></div><div class=\"ps8703 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:247.47pt\">GBP: 70% der Ertr\u00e4ge aus GBP-PnL der n\u00e4chsten 36 Monate</span></div><div class=\"ps8704 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-08912f65 ps2\" style=\"width:10.88pt\">\u00e0<span class=\"f ps37\"> </span></span><span class=\"f charStyle-34546584 ps956\" style=\"width:245.99pt\">CHF: 70% der Ertr\u00e4ge aus CHF-PnL der n\u00e4chsten 36 Monate</span></div><div class=\"ps7550 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Die BAWAG wendet den Cash-Flow-Hedge auch f\u00fcr die Cross-</span></div><div class=\"ps7551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Currency-Risiken an. Das abgesicherte Risiko ist das</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps7552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Fremdw\u00e4hrungsrisiko zuk\u00fcnftiger Cashflows von kapital- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps7553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">indikatorbasierten Zahlungen (\u201eReferenzzinssatz\u201c; z.B.</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Cashflows auf Basis des LIBOR-Satzes) des</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps7555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Fremdw\u00e4hrungsportfolios der BAWAG. Die BAWAG hat hier</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps7556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">einen Bottom-Layer-Ansatz in Bezug auf den Nominal-/</span></div><div class=\"ps7557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Tenorwert des Grundgesch\u00e4fts implementiert. Daher m\u00fcssen</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps8705 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die Betr\u00e4ge der abgesicherten Risiko- und</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps6503 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:79.58pt\">Absicherungsinstru</span><span class=\"f charStyle-5a2826df ps8706\" style=\"width:182.48pt\"><span style=\"background-color:inherit\">mente (Cross-Currency-Swaps) laufend</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps6495 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">angepasst und in Bezug auf Neugesch\u00e4ft bis zu den dedizierten</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps6496 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Bottom Layers verl\u00e4ngert werden, um die</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps6504 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Absicherungsanforderungen der Bank zu erf\u00fcllen. Per</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps6497 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">31.12.2025 waren etwa 67% (2024: 85%) des USD-Portfolios</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps6498 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.03pt\"><span style=\"background-color:inherit\">und 71% (2024: 69%) des GBP-Portfolios in das Cash-Flow-</span></span></div><div class=\"ps6499 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:122.77pt\"><span style=\"background-color:inherit\">Hedge-Accounting gewidmet.</span></span></div><div class=\"ps6501 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1c95266 ps185\"><span style=\"background-color:inherit\">Net Investment Hedge</span></span></div><div class=\"ps6502 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">Ein Fremdw\u00e4hrungsrisiko ergibt sich auch aus der</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps8697 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.06pt\"><span style=\"background-color:inherit\">Nettoinvestition des Konzerns in eine Tochtergesellschaft mit</span></span><span class=\"f charStyle-5a2826df ps190\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps8698 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">der funktionalen W\u00e4hrung CHF und in eine Tochtergesellschaft</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps8699 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:261.98pt\"><span style=\"background-color:inherit\">mit der funktionalen W\u00e4hrung USD. Das Risiko ergibt sich aus</span></span><span class=\"f charStyle-5a2826df ps1243\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps8700 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">der Schwankung der Kassakurse zwischen dem CHF und dem</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7542 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:261.99pt\"><span style=\"background-color:inherit\">EUR sowie zwischen dem USD und dem EUR, wodurch die</span></span><span class=\"f charStyle-5a2826df ps214\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7543 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:143.45pt\"><span style=\"background-color:inherit\">H\u00f6he der Nettoinvestition variiert.</span></span></div><div class=\"ps7545 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">Das abgesicherte Risiko bei der Absicherung der</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7546 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Nettoinvestition ist das Risiko einer Schw\u00e4chung des CHF</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7547 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.04pt\"><span style=\"background-color:inherit\">gegen\u00fcber dem EUR bzw. des USD gegen\u00fcber dem EUR, die zu</span></span><span class=\"f charStyle-5a2826df ps192\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7548 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">einer Verringerung des Buchwerts der Nettoinvestition der</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps8707 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.02pt\"><span style=\"background-color:inherit\">Gruppe in die Tochtergesellschaft in der funktionalen W\u00e4hrung</span></span><span class=\"f charStyle-5a2826df ps201\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7549 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:83.73pt\"><span style=\"background-color:inherit\">CHF bzw. USD f\u00fchrt.</span></span></div><div class=\"ps7551 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:261.99pt\"><span style=\"background-color:inherit\">Der volle Betrag bzw. ein Teil der Nettoinvestition der Gruppe</span></span><span class=\"f charStyle-5a2826df ps214\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7552 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">in ihre Tochtergesellschaft in der funktionalen W\u00e4hrung CHF</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7553 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.01pt\"><span style=\"background-color:inherit\">bzw. USD wird durch einen Devisen-Swap zwischen EUR und</span></span><span class=\"f charStyle-5a2826df ps212\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7554 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262.05pt\"><span style=\"background-color:inherit\">CHF bzw. EUR und USD abgesichert bzw. gemindert</span></span><span class=\"f charStyle-5a2826df ps208\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7555 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:262pt\"><span style=\"background-color:inherit\">(Nominalwert: 48\u00a0Mio. CHF; 2024: 45\u00a0Mio. CHF) bzw. 252\u00a0Mio.</span></span><span class=\"f charStyle-5a2826df ps186\" style=\"width:2.36pt\"><span style=\"background-color:inherit\"> </span></span></div><div class=\"ps7556 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-5a2826df ps185\" style=\"width:141.24pt\"><span style=\"background-color:inherit\">USD; 2024: 180\u00a0Mio. USD). Die</span></span><span class=\"f charStyle-34546584 ps8708\" style=\"width:120.76pt\"> Devisen-Swaps werden als</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps7557 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Sicherungsinstrumente f\u00fcr die Wertver\u00e4nderungen der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Nettoinvestition bestimmt, die auf \u00c4nderungen der EUR/CHF-</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:194.71pt\">und EUR/USD-Kassakurse zur\u00fcckzuf\u00fchren sind.</span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Die Strategie der Gruppe besteht darin, die Nettoinvestition</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:225.26pt\">bis zu 100% des Nettoinvestitionsbetrags abzusichern.</span></div><div class=\"ps53 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Konzentrationsrisiken</span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Alle wesentlichen Risikofaktoren werden \u00fcber VaR-Modelle/</span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Szenarioanalysen und Stresstests abgedeckt, die auf alle</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Handels- und Bankbuchpositionen angewendet werden.</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Instabilit\u00e4ten der Korrelationen, die zu einer \u00dcbersch\u00e4tzung</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">der Diversifikationseffekte f\u00fchren k\u00f6nnen, werden dadurch</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">ber\u00fccksichtigt, dass nur Korrelationen innerhalb ausgew\u00e4hlter</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Risikofaktoren (Zinsen, Wechselkurse, Volatilit\u00e4ten) sowie</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">(nach umfassender empirischer Analyse) auch zwischen</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zinsrisiko im Bankbuch und Credit-Spread-Risiko ber\u00fccksichtigt</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden, dar\u00fcber hinaus aber keine Diversifikation</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps255 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">angenommen wird. Stresstest-Ergebnisse werden ebenso in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">verschiedene Risikofaktoren unterteilt, errechnet, berichtet</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">und limitiert, um Korrelationen innerhalb eines Risikofaktors</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:102.91pt\">identifizieren zu k\u00f6nnen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfMarketRiskExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-788": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Liquidit\u00e4tsrisiko</span><div class=\"ps977 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Liquidit\u00e4tsrisiko ist das Risiko, Zahlungsverpflichtungen zum</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps980 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Zeitpunkt ihrer F\u00e4lligkeit nicht nachkommen (dispositives</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps985 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Liquidit\u00e4tsrisiko) oder diese Verpflichtungen nur mit h\u00f6heren</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps986 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Refinanzierungskosten (strukturelles Liquidit\u00e4tsrisiko) erf\u00fcllen</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps987 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">zu k\u00f6nnen. Zum Liquidit\u00e4tsrisiko geh\u00f6rt ferner das Risiko, dass</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps948 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Transaktionen nicht geschlossen oder verkauft werden k\u00f6nnen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps949 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">oder dies aufgrund unzureichender Markttiefe oder aufgrund</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps950 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">von Marktunterbrechungen (Marktliquidit\u00e4tsrisiko) nur mit</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps951 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Verlust m\u00f6glich ist. Das Ziel des Liquidit\u00e4tsrisikomanagements</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps952 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">der BAWAG besteht darin, sicherzustellen, dass der Konzern</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1405 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">seinen Verpflichtungen jederzeit nachkommen kann, und das</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps953 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:233.78pt\">Liquidit\u00e4tsrisiko innerhalb des Risikoappetits zu steuern.</span></div><div class=\"ps955 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Liquidit\u00e4tsrisikomanagement</span></div><div class=\"ps1406 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Im Einklang mit dem Supervisory Review and Evaluation</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Process (SREP) der EZB hat die BAWAG einen j\u00e4hrlichen</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps1408 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Prozess zur Beurteilung der internen Liquidit\u00e4tsad\u00e4quanz</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps1409 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">(ILAAP) implementiert, der die Grundlage f\u00fcr die konzernweite</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1410 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Messung, Steuerung und \u00dcberwachung von Liquidit\u00e4tsrisiken</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1411 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:26.61pt\">bildet.</span></div><div class=\"ps1412 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Der Vorstand legt die Liquidit\u00e4tsrisikostrategie sowie den</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1413 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">allgemeinen Liquidit\u00e4tsrisikoappetit fest und \u00fcberpr\u00fcft und</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1414 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">genehmigt mindestens einmal j\u00e4hrlich den ILAAP sowie die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1415 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:187.84pt\">konzernweiten Limits und die Fundingspl\u00e4ne.</span></div><div class=\"ps971 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Das wichtigste Entscheidungsgremium im Zusammenhang mit</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps972 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Liquidit\u00e4tsrisiken ist das Strategic Asset Liability Committee</span><span class=\"f charStyle-34546584 ps148\" style=\"width:4.72pt\">\u00a0 </span></div><div class=\"ps973 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">(S-ALCO), in dem alle Vorstandsmitglieder vertreten sind. Das</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps1416 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">S-ALCO wird mindestens einmal im Monat \u00fcber die Leistung im</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps974 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:190.2pt\">Vergleich zu den Risikokennzahlen informiert.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Treasury ist beauftragt, die Liquidit\u00e4ts- und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Finanzierungsposition zu steuern. Risiko-Controlling fungiert</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">als unabh\u00e4ngige Risikokontrollfunktion und ist f\u00fcr die</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:203.95pt\">\u00dcberpr\u00fcfung des ILAAP-Rahmens verantwortlich.</span></div><div class=\"ps246 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Liquidit\u00e4tsstrategie </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.99pt\">Einlagen von Retail- und Firmenkunden bilden seit Jahren den</span><span class=\"f charStyle-34546584 ps214\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">Kern der Refinanzierungsstrategie der BAWAG und werden</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">auch in Zukunft die wichtigste Refinanzierungsquelle der Bilanz</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps248 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">darstellen. Die kontinuierliche Verlagerung der BAWAG-Aktiva</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">auf besicherte Produkte erh\u00f6ht auch die Flexibilit\u00e4t der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Gruppe auf den M\u00e4rkten f\u00fcr besicherte Finanzierungen.</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Folglich gewinnt die Refinanzierung \u00fcber Pfandbriefe im</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:187.18pt\">gesamten Refinanzierungsmix an Bedeutung.</span></div><div class=\"ps252 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Liquidit\u00e4tssteuerung</span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-7973db00 ps185\" style=\"width:259.02pt\">Die Steuerung der Liquidit\u00e4tsposition erfolgt auf Konzernebene.</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die kurzfristige Steuerung basiert auf einer t\u00e4glich erstellten</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">30-Tage-Liquidit\u00e4tsvorschau, die ein genaues Monitoring und</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">das Management der kurzfristigen Liquidit\u00e4tsposition</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:47.41pt\">erm\u00f6glicht.</span></div><div class=\"ps257 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">F\u00fcr die mittelfristige Steuerung wird monatlich eine</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Liquidit\u00e4tsvorschau f\u00fcr die n\u00e4chsten 15 Monate erstellt und an</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">das S-ALCO berichtet. Im Rahmen des Prognoseprozesses, der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Szenarioanalysen f\u00fcr geplante Ma\u00dfnahmen und Annahmen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zum Kundenverhalten ber\u00fccksichtigt, wird die Entwicklung</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">aller wichtigen Liquidit\u00e4tsrisikokennzahlen auf Grundlage der</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">zugrunde liegenden Gesch\u00e4ftspl\u00e4ne prognostiziert, um die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps65 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:241.73pt\">Einhaltung des allgemeinen Risikoappetits sicherzustellen.</span><span class=\"f charStyle-34546584 ps8710\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Die langfristige Steuerung der Liquidit\u00e4t wird im Rahmen des</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">j\u00e4hrlichen Planungsprozesses f\u00fcr die kommenden f\u00fcnf Jahre</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">durchgef\u00fchrt. Zus\u00e4tzlich werden strategische Ma\u00dfnahmen</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:127.77pt\">w\u00e4hrend des Jahres analysiert.</span></div><div class=\"ps264 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Liquidit\u00e4ts-Stresstests</span></div><div class=\"ps69 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Liquidit\u00e4ts-Stresstests und Szenarioanalysen werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">angewendet, um die Liquidit\u00e4tsrisikoposition der BAWAG zu</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">bewerten, die Risikolimite festzulegen und die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Liquidit\u00e4tspuffer zu kalibrieren. Sie erg\u00e4nzen das operative</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Liquidit\u00e4tsmanagement und die mittel- bis langfristige</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:82.61pt\">Liquidit\u00e4tsstrategie.</span></div><div class=\"ps1036 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Stresstests werden sowohl auf Konzern- als auch auf</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Tochterunternehmensebene durchgef\u00fchrt und decken</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Szenarien ab, die sich in L\u00e4nge und Schweregrad</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">unterscheiden (systemischer Stress, idiosynkratischer Stress,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">kombinierter Stress). Die Ergebnisse der Stresstests werden</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:146.32pt\">monatlich an das S-ALCO berichtet.</span></div><div class=\"ps1042 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps185\">Liquidit\u00e4tspuffer</span></div><div class=\"ps1043 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Die BAWAG h\u00e4lt einen Liquidit\u00e4tspuffer, um unerwartete</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1044 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">Liquidit\u00e4tsabfl\u00fcsse in einem Stressszenario abzudecken. Der</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps1045 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">Liquidit\u00e4tspuffer stellt daher eine vorbeugende Ma\u00dfnahme</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps1046 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">gegen das Liquidit\u00e4tsrisiko dar. Der Liquidit\u00e4tspuffer besteht</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">aus einem Portfolio liquider Aktiva, mit dem in</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Stresssituationen liquide Mittel generiert werden k\u00f6nnen, um</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">die Illiquidit\u00e4t der Gruppe zu verhindern. Der Liquidit\u00e4tspuffer</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">der BAWAG beinhaltet nur Verm\u00f6genswerte, die innerhalb</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">von 30 Tagen mit niedrigem Ausf\u00fchrungsrisiko liquidiert</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">werden k\u00f6nnen. Die Marktliquidit\u00e4t des Liquidit\u00e4tspuffers wird</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:91.64pt\">regelm\u00e4\u00dfig \u00fcberpr\u00fcft.</span></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Die nachfolgende Tabelle zeigt die Zusammensetzung des</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Liquidit\u00e4tspuffers auf Basis von Marktwerten unbelasteter</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Aktiva nach Ber\u00fccksichtigung eines komponentenspezifischen</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:36.93pt\">Haircuts.</span></div><div class=\"ps5318 ss0\" style=\"text-align:justify;text-align-last:var(--justify)\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:423.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">Zusammensetzung des Liquidit\u00e4tspuffers<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss133\"><div><div class=\"ps277 ss131\"><span class=\"f charStyle-dcb49308 ps36\">in Mio.\u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #9b0000;padding:0\"><div class=\"ps288 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-584de24a ps1758\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Bei der Notenbank eingelieferte Kreditforderungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:1pt solid #9b0000;padding:0\"><div class=\"ps298 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps619\">13.284<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps299 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps619\">16.701<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">F\u00fcr Kreditgesch\u00e4fte des Eurosystems zugelassene Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps304 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.466<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps305 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.676<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Sonstige f\u00fcr Kreditgesch\u00e4fte des Eurosystems zugelassene Aktiva<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps310 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.021<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps311 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.134<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Kurzfristiger Liquidit\u00e4tspuffer<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps446 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">17.771<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps447 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">21.511<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps448 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-37455c2a ps36\">Sonstige marktf\u00e4hige Wertpapiere<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #9b0000;border-top:0.5pt solid #9b0000;padding:0\"><div class=\"ps451 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">1.021<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps452 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">1.194<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps454 ss134\"><div><div class=\"ps291 ss131\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #9b0000;border-top:0.25pt solid #9b0000;padding:0\"><div class=\"ps458 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-36b68314 ps684\">18.792<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps460 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps684\">22.705<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps3582 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">F\u00e4lligkeitsanalyse der vertraglichen undiskontierten Cashflows der finanziellen Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss609\"><div><div class=\"ps8022 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2025 <span class=\"f ps37\"> </span></span></div><div class=\"ps3306 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss95\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-c5fdbd46 ps6015\">Vertragliche </span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps3263\">Zahlungs-</span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps8711\">str\u00f6me</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss95\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps8712\">Weniger als </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps8713\">1\u00a0Monat</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss95\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps8216\">1 bis 3 </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps8714\">Monate</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss95\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps4215\">3 Monate bis </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps4216\">1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps4463\">1 bis 5 Jahre</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss95\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps8715\">Mehr als </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps4219\">5 Jahre</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Nichtderivate Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3323 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Einlagen von Banken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8716 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-959<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8717 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-175<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-11<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-53<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8720 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-481<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-239<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3328 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Einlagen von Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7699 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps877\">-48.377<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps877\">-42.488<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-800<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.616<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.053<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.420<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3333 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Ausgegebene Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8722 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps877\">-19.460<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8723 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-84<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-384<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6836 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.325<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6837 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps877\">-10.812<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6838 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-6.854<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3338 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Zwischensumme<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-68.796<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8726 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-42.747<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7522 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-1.194<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7523 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-2.995<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7524 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-12.346<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7525 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-9.513<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps872 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Derivate Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-546<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps668\">-6<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8729 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-10<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-66<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8731 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-301<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8732 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-163<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3555 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Sonstige au\u00dferbilanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8733 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.969<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.969<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8735 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3561 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8736 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-71.311<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-44.723<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8738 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-1.204<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8739 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-3.061<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-12.647<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8741 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-9.676<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8742 ss0\"><div class=\"ss15 ws0 ps131\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:195.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"13\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss16\"><div><div class=\"ps276 ss15\"><span class=\"f charStyle-9f85f029 ps36\">F\u00e4lligkeitsanalyse der vertraglichen undiskontierten Cashflows der finanziellen Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:30.75pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss609\"><div><div class=\"ps8022 ss261\"><span class=\"f charStyle-dcb49308 ps36\">31.12.2024 angepasst<span class=\"f ps37\"> </span></span></div><div class=\"ps3306 ss261\"><span class=\"f charStyle-dcb49308 ps36\">in Mio. \u20ac<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2044 ss95\"><div><div class=\"ps40 ss20\"><span class=\"f charStyle-c5fdbd46 ps6015\">Vertragliche </span></div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps3263\">Zahlungs-</span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps8711\">str\u00f6me</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps282 ss95\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps8712\">Weniger als </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps8713\">1\u00a0Monat</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps284 ss95\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps8216\">1 bis 3 </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps8714\">Monate</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps286 ss95\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps4215\">3 Monate bis </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps4216\">1 Jahr</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps288 ss95\"><div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps4463\">1 bis 5 Jahre</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps290 ss95\"><div><div class=\"ps1717 ss20\"><span class=\"f charStyle-c5fdbd46 ps8715\">Mehr als </span></div><div class=\"ps2027 ss20\"><span class=\"f charStyle-c5fdbd46 ps4219\">5 Jahre</span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps3317 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Nichtderivate Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3323 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Einlagen von Banken<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8716 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.387<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8717 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-564<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8718 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-14<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8719 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-47<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8720 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-195<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8721 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-566<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3328 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Einlagen von Kunden<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7699 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps877\">-47.196<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7700 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps877\">-39.785<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7701 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-892<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7702 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-2.639<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7703 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-803<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7704 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-3.077<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3333 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Ausgegebene Schuldverschreibungen<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8722 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps877\">-19.523<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8723 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-256<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8724 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-309<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6836 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.159<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6837 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-9.836<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6838 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-7.963<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3338 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Zwischensumme<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8725 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-68.105<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8726 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-40.605<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7522 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-1.216<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7523 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-3.845<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7524 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-10.834<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps7525 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-11.606<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps872 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps36\">Derivate Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8727 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.216<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8728 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-24<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8729 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps708\">-34<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8730 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-217<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8731 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-646<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.5pt solid #000000;padding:0\"><div class=\"ps8732 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps623\">-295<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3555 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-37455c2a ps621\">Sonstige au\u00dferbilanzielle Verbindlichkeiten<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8733 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.756<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8734 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps620\">-1.756<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8735 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6752 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6753 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps6754 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps675\">\u2014<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps3561 ss265\"><div><div class=\"ps291 ss261\"><span class=\"f charStyle-7ff22fcd ps36\">Summe<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8736 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-71.077<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8737 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-42.385<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8738 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-1.250<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8739 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2308\">-4.062<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8740 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-11.481<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.5pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps8741 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-0b080fec ps2060\">-11.901<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8743 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Die obige Tabelle zeigt die konsolidierten nominellen (nicht</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps8744 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">diskontierten) Cashflows inklusive Zinszahlungen aus</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8745 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Finanzverbindlichkeiten. Als Basis der Zuordnung in das</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps8746 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">entsprechende Laufzeitband dienen die vertraglichen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps8747 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">F\u00e4lligkeiten. Die t\u00e4glich f\u00e4lligen Sichteinlagen wurden</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps8748 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">gesamthaft dem ersten Laufzeitband zugeordnet. Bei</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps8749 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">K\u00fcndigungsrechten wurde das Laufzeitende auf den Tag des</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps8750 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:160.14pt\">n\u00e4chsten K\u00fcndigungstermins bezogen.</span></div><div class=\"ps8751 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die BAWAG beh\u00e4lt im Liquidit\u00e4tsmanagement ihren</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps8752 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">konservativen Ansatz bei, was sich in einer Liquidity Coverage</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps8753 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Ratio (LCR) von 204% zum Ende 2025 (2024: 249%)</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps8743 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">widerspiegelt. Die BAWAG \u00fcbertrifft damit signifikant die</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps8744 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:151.6pt\">regulatorischen LCR-Anforderungen.</span></div><div class=\"ps8746 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262pt\">Das Gesch\u00e4ftsjahr 2025 war gepr\u00e4gt von einer sehr starken</span><span class=\"f charStyle-34546584 ps186\" style=\"width:2.36pt\"> </span></div><div class=\"ps8747 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Liquidit\u00e4tsposition, getragen durch ein robustes Wachstum</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps8748 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.02pt\">der Kernrefinanzierungsquellen sowie eine breit diversifizierte</span><span class=\"f charStyle-34546584 ps201\" style=\"width:2.36pt\"> </span></div><div class=\"ps8749 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Refinanzierungsstruktur. Die Retail\u2011Einlagen blieben das</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8750 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.05pt\">Fundament des Refinanzierungsmodells und wurden durch die</span><span class=\"f charStyle-34546584 ps208\" style=\"width:2.36pt\"> </span></div><div class=\"ps8754 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.01pt\">vollst\u00e4ndige Konsolidierung von Knab sowie dem Erwerb der</span><span class=\"f charStyle-34546584 ps212\" style=\"width:2.36pt\"> </span></div><div class=\"ps8751 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Easybank Deutschland im Februar 2025 um rund 3,9\u202fMrd.\u202fEUR</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps8752 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:261.18pt\">durch eine deutlich ausgeweitete Kundenbasis weiter gest\u00e4rkt.</span></div></div><div class=\"ps50 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Neben der stabilen und wachsenden Einlagenbasis f\u00fchrte die</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps187 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">BAWAG Group im Jahr 2025 eigene</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps51 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Refinanzierungstransaktionen in H\u00f6he von rund 1,6\u202fMrd.\u202f\u20ac</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps245 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">durch. Dies unterstreicht das weiterhin positive</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps52 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Investoreninteresse und den verl\u00e4sslichen Zugang zu den</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps246 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Kapitalm\u00e4rkten. Die Emissionst\u00e4tigkeit umfasste 1,3\u202fMrd.\u202f\u20ac an</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps53 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Senior\u2011Unsecured\u2011Anleihen aus sieben Transaktionen,</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps247 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">250\u202fMio.\u202f\u20ac an Tier\u20112\u2011Instrumenten sowie rund 100\u202fMio.\u202f\u20ac an</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps54 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:110.19pt\">Credit\u2011Linked Notes (CLN).</span></div><div class=\"ps55 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Diese Aktivit\u00e4ten wurden durch die fortlaufende Nutzung der</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps250 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">Covered\u2011Bond\u2011Programme erg\u00e4nzt, unterst\u00fctzt durch</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps56 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">erweiterte Hypotheken\u2011 und Public\u2011Sector\u2011Deckungsst\u00f6cke,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps251 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">sowohl der BAWAG als auch von Knab. Dar\u00fcber hinaus wurde</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps57 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">diese Entwicklung durch eine erh\u00f6hte Bilanzsumme infolge der</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps252 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">erfolgreichen Integration der Barclays Consumer Bank Europe</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps58 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:89.22pt\">zus\u00e4tzlich beg\u00fcnstigt.</span></div><div class=\"ps59 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Konzentrationsrisiko</span></div><div class=\"ps268 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Als \u00fcberwiegend Retail-finanzierte Bank ist die BAWAG keinem</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps60 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">wesentlichen Konzentrationsrisiko auf der Passivseite</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps256 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">ausgesetzt. Unsere Refinanzierungsbasis ist breit diversifiziert,</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps61 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:259.95pt\">ohne materielle Abh\u00e4ngigkeiten von einzelnen Gegenparteien.</span></div><div class=\"ps62 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">Auf der Aktivseite wird der Gro\u00dfteil unseres Liquidit\u00e4tspuffers</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps258 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">bei der Zentralbank gehalten, was ein hohes Ma\u00df an Stabilit\u00e4t</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps63 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">und Verf\u00fcgbarkeit gew\u00e4hrleistet. W\u00e4hrend ein Teil des Puffers</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps259 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">in Form von Wertpapieren gehalten wird, unterliegt unser</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps64 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Engagement in HQLA-Wertpapieren klar definierten</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps260 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:88.27pt\">Konzentrationslimits.</span></div><div class=\"ps261 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Auf der Passivseite steuern wir Konzentrationsrisiken aktiv,</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps66 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">indem wir Laufzeitkonzentrationen unserer eigenen</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps262 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.02pt\">Emissionen durch drei verschiedene Limitarten begrenzen.</span><span class=\"f charStyle-34546584 ps148\" style=\"width:2.36pt\"> </span></div><div class=\"ps67 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">Dar\u00fcber hinaus \u00fcberwachen wir unsere gr\u00f6\u00dften Einleger \u00fcber</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps263 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">verschiedene Kategorien hinweg, insbesondere die zehn</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps68 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">gr\u00f6\u00dften Einlagenpositionen, wobei hierf\u00fcr keine festen Limits</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps264 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:41.33pt\">bestehen.</span></div><div class=\"ps265 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Zur weiteren Diversifizierung unserer Refinanzierungsstruktur</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps70 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262pt\">haben wir ein Soft Target etabliert, um sicherzustellen, dass</span><span class=\"f charStyle-34546584 ps167\" style=\"width:2.36pt\"> </span></div><div class=\"ps266 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">die Finanzierung \u00fcber den Geldmarkt (MM) 10 % unserer</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps71 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Bilanzsumme nicht \u00fcberschreitet. Diese Ma\u00dfnahme dient</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps267 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">dazu, eine \u00fcberm\u00e4\u00dfige Abh\u00e4ngigkeit von dieser</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1035 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:144.2pt\">Finanzierungsquelle zu vermeiden.</span></div><div class=\"ps2407 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">Alle relevanten Kennzahlen zum Konzentrationsrisiko werden</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1037 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">mindestens monatlich \u00fcberwacht, einige davon zus\u00e4tzlich auf</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps1038 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.04pt\">w\u00f6chentlicher Basis, um ein vorausschauendes</span><span class=\"f charStyle-34546584 ps171\" style=\"width:2.36pt\"> </span></div><div class=\"ps1039 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.05pt\">Risikomanagement und die Einhaltung unseres</span><span class=\"f charStyle-34546584 ps152\" style=\"width:2.36pt\"> </span></div><div class=\"ps1040 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:155.49pt\">Risikoapettitrahmens sicherzustellen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfLiquidityRiskExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-789": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2895\">Personalstand</span><div class=\"ps8846 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss140\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Kopfzahl \u2013 Angestellte<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"></td><td style=\"border-bottom:0.25pt solid #ffffff;padding:0\"></td><td style=\"border-bottom:1pt solid #990000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-bottom:0.25pt solid #ffffff;padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Stichtagsbezogene Mitarbeiteranzahl<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:1pt solid #990000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">4.048<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"border-top:0.25pt solid #ffffff;padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.625<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Durchschnittliche Mitarbeiteranzahl<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">4.162<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.190<span class=\"f ps37\"> </span></span></div></div></div></td></tr></tbody></table></div></div></div><div class=\"ps8849 ss0\"><div class=\"ss67 ws0 ps1358\"><div><table style=\"border-collapse:collapse;display:inline-table;font-size:initial;padding:0;table-layout:fixed;width:100%\"><tbody><tr style=\"height:0\"><td style=\"padding:0;width:147.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td><td style=\"padding:0;width:5.25pt\"></td><td style=\"padding:0;width:51.75pt\"></td></tr><tr style=\"height:14.25pt\"><td colspan=\"5\" style=\"border-top:0.5pt solid #000;padding:0\"><div class=\"ps1 ss140\"><div><div class=\"ps276 ss67\"><span class=\"f charStyle-9f85f029 ps36\">Vollzeit\u00e4quivalente \u2013 Angestellte<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:20.25pt\"><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps278 ss142\"><div><div class=\"ps281 ss141\"><span class=\"f charStyle-c5fdbd46 ps8847\">\u00a0</span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #990000;padding:0\"><div class=\"ps2840 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-36b68314 ps4372\">31.12.2025<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:1pt solid #000000;padding:0\"><div class=\"ps2841 ss21\"><div><div class=\"ps281 ss20\"><span class=\"f charStyle-37455c2a ps1759\">31.12.2024<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps292 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Stichtagsbezogene Mitarbeiteranzahl<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:1pt solid #990000;padding:0\"><div class=\"ps2842 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.632<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000;border-top:1pt solid #000000;padding:0\"><div class=\"ps2843 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.232<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps300 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-37455c2a ps36\">Durchschnittliche Mitarbeiteranzahl<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2931 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.735<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000;padding:0\"><div class=\"ps2932 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">2.808<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:12pt\"><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps306 ss143\"><div><div class=\"ps291 ss141\"><span class=\"f charStyle-c5fdbd46 ps36\">Anzahl aktiver Mitarbeiter</span><span class=\"f charStyle-88cee56f ps8848\"><sup>1</sup></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #990000;border-top:0.25pt solid #990000;padding:0\"><div class=\"ps2933 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-71900c34 ps625\">3.347<span class=\"f ps37\"> </span></span></div></div></div></td><td style=\"padding:0\"></td><td style=\"border-bottom:0.25pt solid #000000;border-top:0.25pt solid #000000;padding:0\"><div class=\"ps2934 ss23\"><div><div class=\"ps291 ss20\"><span class=\"f charStyle-cc1eb9a4 ps625\">3.068<span class=\"f ps37\"> </span></span></div></div></div></td></tr><tr style=\"height:18pt\"><td colspan=\"5\" style=\"border-top:0.25pt solid #000000;padding:0\"><div class=\"ps312 ss619\"><div><div class=\"ps5315 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">1 Exklusive Mitarbeitern in jeglicher Form von Karenz und Mitarbeitern, die eine Vereinbarung im <span class=\"f ps37\"> </span></span></div><div class=\"ps5316 ss67\"><span class=\"f charStyle-5ee25b5a ps36\">Rahmen eines Sozialplanes eingegangen sind.</span></div></div></div></td></tr></tbody></table></div></div></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfInformationAboutEmployeesExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-790": {
   "value": "<div class=\"ps9086 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Aufwendungen f\u00fcr den Konzernabschlusspr\u00fcfer im</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps9087 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.01pt\">laufenden Gesch\u00e4ftsjahr betragen 3,7\u00a0Mio.\u00a0\u20ac (2024: 2,2\u00a0Mio.\u00a0\u20ac)</span><span class=\"f charStyle-34546584 ps150\" style=\"width:2.36pt\"> </span></div><div class=\"ps9088 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.03pt\">und umfassen Aufwendungen f\u00fcr Abschlusspr\u00fcfungen in H\u00f6he</span><span class=\"f charStyle-34546584 ps160\" style=\"width:2.36pt\"> </span></div><div class=\"ps9089 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.96pt\">von 3,2\u00a0Mio.\u00a0\u20ac (2024: 2,1\u00a0Mio.\u00a0\u20ac), f\u00fcr Steuerberatung in H\u00f6he</span><span class=\"f charStyle-34546584 ps917\" style=\"width:2.36pt\"> </span></div><div class=\"ps9090 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.98pt\">von 0,4\u00a0Mio.\u00a0\u20ac (2024: 0,1\u00a0Mio.\u00a0\u20ac) sowie f\u00fcr sonstige</span><span class=\"f charStyle-34546584 ps1445\" style=\"width:2.36pt\"> </span></div><div class=\"ps9091 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:260.5pt\">Beratungsleistungen in H\u00f6he von 0,1\u00a0Mio.\u00a0\u20ac (2024: 0,0\u00a0Mio.\u00a0\u20ac).</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuditorsRemunerationExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-791": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2895\">Zeitpunkt der Freigabe zur </span><div class=\"ps9100 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-b1e544a7 ps2895\">Ver\u00f6ffentlichung</span></div><div class=\"ps9101 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.06pt\">Der vorliegende Konzernabschluss wurde von der</span><span class=\"f charStyle-34546584 ps190\" style=\"width:2.36pt\"> </span></div><div class=\"ps9102 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Gesch\u00e4ftsf\u00fchrung am 24. Februar 2026 zur Weitergabe an den</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps9103 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.03pt\">Aufsichtsrat freigegeben. Der Aufsichtsrat hat die Aufgabe,</span><span class=\"f charStyle-34546584 ps205\" style=\"width:2.36pt\"> </span></div><div class=\"ps9104 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:262.04pt\">den Konzernabschluss zu pr\u00fcfen und zu erkl\u00e4ren, ob er den</span><span class=\"f charStyle-34546584 ps192\" style=\"width:2.36pt\"> </span></div><div class=\"ps9105 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps185\" style=\"width:101.87pt\">Konzernabschluss billigt.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfAuthorisationOfFinancialStatementsExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "f-792": {
   "value": "<span class=\"f charStyle-b1e544a7 ps2852\">Ereignisse nach dem </span><span class=\"f charStyle-b1e544a7 ps9107\">Bilanzstichtag</span><div class=\"ps1238 ss0\" style=\"font-size:12pt\"><span class=\"f charStyle-02ed52cc ps2\">Verschmelzung der Health Coevo AG</span></div><div class=\"ps1239 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Die Health Coevo AG wird als \u00fcbertragende Gesellschaft im</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1240 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:262.06pt\">Wege einer grenz\u00fcberschreitenden Upstream Verschmelzung</span><span class=\"f charStyle-34546584 ps146\" style=\"width:2.36pt\"> </span></div><div class=\"ps1241 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:261.99pt\">im ersten Quartal 2026 vollst\u00e4ndig auf die BAWAG P.S.K. AG</span><span class=\"f charStyle-34546584 ps249\" style=\"width:2.36pt\"> </span></div><div class=\"ps1242 ss0\" style=\"font-size:12pt;text-align:justify;text-align-last:var(--justify)\"><span class=\"f charStyle-34546584 ps2\" style=\"width:49.1pt\">\u00fcbertragen.</span></div>",
   "dimensions": {
    "concept": "ifrs-full:DisclosureOfEventsAfterReportingPeriodExplanatory",
    "language": "de",
    "entity": "scheme:529900S9YO2JHTIIDG38",
    "period": "2025-01-01T00:00:00/2026-01-01T00:00:00"
   }
  },
  "fn-3": {
   "value": "<span class=\"f charStyle-5ee25b5a ps2016\">+8</span>",
   "dimensions": {
    "concept": "xbrl:note",
    "noteId": "fn-3",
    "language": "de"
   }
  },
  "fn-4": {
   "value": "<span class=\"f charStyle-5ee25b5a ps2014\">-11</span>",
   "dimensions": {
    "concept": "xbrl:note",
    "noteId": "fn-4",
    "language": "de"
   }
  },
  "fn-2": {
   "value": "<span class=\"f charStyle-5ee25b5a ps2014\">+2</span>",
   "dimensions": {
    "concept": "xbrl:note",
    "noteId": "fn-2",
    "language": "de"
   }
  },
  "fn-1": {
   "value": "<div class=\"ps1756 ss24\"><div><div class=\"ps325 ss15\"><span class=\"f charStyle-5ee25b5a ps36\">1 In den Nettozinsertrag.<span class=\"f ps37\"> </span></span></div></div></div>",
   "dimensions": {
    "concept": "xbrl:note",
    "noteId": "fn-1",
    "language": "de"
   }
  },
  "fn-5": {
   "value": "<span class=\"f charStyle-5ee25b5a ps2020\">+36</span>",
   "dimensions": {
    "concept": "xbrl:note",
    "noteId": "fn-5",
    "language": "de"
   }
  }
 }
}